ZIP 21776 Property Distress & Foreclosure Data

DLRadar grades ZIP 21776 (Carroll County, Maryland) at a low 22/100 for overall property distress. Property-level stress concentrates in construction/permit lag (65/100), structural risk (50/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (70/100), flood (NFIP) exposure (65/100). The latent-versus-live split is 50/100 structural and 2/100 already moving.

The market reads peak — home values rose 2.8% year on year, and 18% higher over three years (phase confidence 31/100). Topping markets hide individual distress behind strong averages.

At $111,923, median income runs above typical U.S. levels. The poverty rate is 5.0% — low. The typical home is worth about $461,600 (3.9× income, relatively affordable). The ZIP holds roughly 2,378 housing units. About 5,905 people live here, median age 44. Around 37% of adults hold a bachelor's degree or higher. Around 40% of renters are cost-burdened. The demographic-stress sub-score lands at 27/100. The vacancy rate is 4.1%. 92% of housing is owner-occupied.

Overall 21776 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.