ZIP 21778 Property Distress & Foreclosure Data

Frederick County, Maryland's ZIP 21778 registers 24/100 composite distress, which DLRadar reads as low. 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. Climate and flood risk are elevated too — climate & FEMA risk (79/100), flood (NFIP) exposure (64/100). On the structural side it scores 55/100, with 2/100 of stress already active.

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 24% higher over three years (phase confidence 32/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

840 residents call 21778 home, typically aged 52. The tenure split is 95% owner-occupied to 5% rented. A median home runs $382,100 here, or 3.8 times local income. About 23% have a four-year degree. On demographic stress specifically, 21778 scores 25/100. Households earn a median $110,489 — above the roughly $78,000 national figure. The ZIP holds roughly 332 housing units. Roughly 0.0% live below the poverty line, a low share typical of higher-equity areas. The vacancy rate is 8.8%.

On balance, 21778 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.