ZIP 21788 Property Distress & Foreclosure Data

ZIP code 21788 in Frederick County, Maryland carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. It additionally carries heavy environmental risk: climate & FEMA risk (79/100), flood (NFIP) exposure (64/100). What sets it apart are the readings on construction/permit lag (75/100), structural risk (55/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (6/100) register low. Structural exposure scores 55 and live distress 2 on the 0–100 scale.

The market reads peak — home values rose 2.8% year on year, and 10% higher over three years, at 32/100 phase confidence. Topping markets hide individual distress behind strong averages.

The typical home is worth about $379,200 (3.7× income, relatively affordable). Rent burden reaches 45% of tenant households. About 11,919 people live here, median age 47. There are about 4,871 housing units across 21788. The demographic-stress sub-score lands at 30/100. The poverty rate is 9.4%. 82% of housing is owner-occupied. At $93,717, median income runs above typical U.S. levels. Vacancy runs 5.5%. Around 30% of adults hold a bachelor's degree or higher.

Overall 21788 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.