ZIP 21794 Property Distress & Foreclosure Data

DLRadar grades ZIP 21794 (Howard County, Maryland) at a low 24/100 for overall property distress. It additionally carries heavy environmental risk: climate & FEMA risk (78/100), flood (NFIP) exposure (68/100). The latent-versus-live split is 55/100 structural and 2/100 already moving. Property-level stress concentrates in construction/permit lag (71/100), structural risk (55/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (6/100) register low.

The market reads peak — home values rose 2.8% year on year, and 26% higher over three years (phase confidence 30/100). Topping markets hide individual distress behind strong averages.

At $223,833, median income runs above typical U.S. levels. 100% of housing is owner-occupied. The poverty rate is 2.8% — low. Around 58% of adults hold a bachelor's degree or higher. Around 0% of renters are cost-burdened. The demographic-stress sub-score lands at 20/100. The vacancy rate is 3.1%. About 2,326 people live here, median age 42. The ZIP holds roughly 690 housing units. The typical home is worth about $999,400 (4.4× income).

Overall 21794 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.