ZIP 21797 Property Distress & Foreclosure Data

ZIP code 21797 in Howard County, Maryland carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. Structural risk reads 54/100 against active distress of 2/100. What sets it apart are the readings on construction/permit lag (72/100), structural risk (54/100), institutional ownership (16/100). By contrast, institutional ownership (16/100) and mortgage stress (6/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (75/100), flood (NFIP) exposure (67/100).

The market reads peak — home values rose 2.8% year on year, and 16% higher over three years, at 31/100 phase confidence. Topping markets hide individual distress behind strong averages.

About 8,772 people live here, median age 44. Rent burden reaches 64% of tenant households. The typical home is worth about $735,600 (3.9× income, relatively affordable). The poverty rate is 4.7% — low. 90% of housing is owner-occupied. Vacancy runs 2.3%. The demographic-stress sub-score lands at 30/100. There are about 2,903 housing units across 21797. Around 49% of adults hold a bachelor's degree or higher. At $185,435, median income runs above typical U.S. levels.

Overall 21797 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.