ZIP 21821 Property Distress & Foreclosure Data

Composite property distress in 21821 (Somerset County, Maryland) lands at 21/100 — low on DLRadar's public-record scoring. Structural exposure scores 48 and live distress 3 on the 0–100 scale. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100). The sharpest non-environmental signals are construction/permit lag (60/100), structural risk (48/100), institutional ownership (19/100). By contrast, institutional ownership (19/100) and mortgage stress (11/100) register low.

The market reads expansion — home values rose 6.9% year on year, and 66% higher over three years, at 57/100 phase confidence. Appreciation rarely lifts every parcel — the laggards are the opportunity.

About 736 people live here, median age 57. The poverty rate is 15.4%. 90% of housing is owner-occupied. Around 8% of adults hold a bachelor's degree or higher. The typical home is worth about $188,200 (3.0× income, relatively affordable). There are about 679 housing units across 21821. Vacancy runs 50.8%, above the national norm and a classic distress-and-opportunity signal. The demographic-stress sub-score lands at 31/100. Rent burden reaches 26% of tenant households. At $51,500, median income runs below typical U.S. levels.

Net-net, 21821 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.