ZIP 21798 Property Distress & Foreclosure Data

In Frederick County, Maryland, ZIP 21798 scores 24 of 100 for composite distress, a low level on DLRadar's public-record index. Environmental exposure also runs high (climate & FEMA risk (79/100), flood (NFIP) exposure (64/100)). The latent-versus-live split is 55/100 structural and 2/100 already moving. Its standout signals are construction/permit lag (75/100), structural risk (55/100), institutional ownership (15/100). On the quiet end sit institutional ownership (15/100) and mortgage stress (6/100).

The peak-phase market in 21798 posted values that rose 2.8% over the year, and 11% higher over three years (phase confidence 32/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $125,583, above the U.S. median near $78,000. Educational attainment sits at 37% bachelor's-or-above. 13.9% of residents fall below the poverty threshold. The ZIP holds roughly 1,031 housing units. The vacancy rate is 7.8%. DLRadar's demographic-stress index for the area reads 29/100. Home values center near $498,400, an affordability ratio of 3.7× — accessible. Owners hold 82% of homes, renters 18%. Around 31% of renters are cost-burdened. Population is roughly 2,765 with a median age of 42.

Broadly, 21798 is a steadier market — the deals are the exceptions, not the rule. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.