ZIP 21769 Property Distress & Foreclosure Data

Frederick County, Maryland's ZIP 21769 registers 24/100 composite distress, which DLRadar reads as low. Climate and flood risk are elevated too — climate & FEMA risk (79/100), flood (NFIP) exposure (64/100). The latent-versus-live split is 55/100 structural and 2/100 already moving. The most distinctive pressure shows up in construction/permit lag (75/100), structural risk (55/100), institutional ownership (15/100). institutional ownership (15/100) and mortgage stress (6/100) stay muted.

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 14% higher over three years (phase confidence 32/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Around 29% of renters are cost-burdened. Roughly 1.9% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 21769 scores 23/100. About 49% have a four-year degree. The ZIP holds roughly 4,331 housing units. A median home runs $507,000 here, or 3.3 times local income. The vacancy rate is 4.5%. 12,695 residents call 21769 home, typically aged 43. Households earn a median $148,821 — above the roughly $78,000 national figure. The tenure split is 88% owner-occupied to 12% rented.

On balance, 21769 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.