ZIP 21824 Property Distress & Foreclosure Data

In Somerset County, Maryland, ZIP 21824 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout 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 latent-versus-live split is 48/100 structural and 3/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100).

The market reads expansion — home values rose 6.9% year on year (phase confidence 57/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $108,500 (1.2× income, relatively affordable). The poverty rate is 7.7%. At $87,938, median income runs above typical U.S. levels. The vacancy rate is 29.8% — elevated. Around 1% of adults hold a bachelor's degree or higher. The ZIP holds roughly 180 housing units. Around 0% of renters are cost-burdened. The demographic-stress sub-score lands at 20/100. 80% of housing is owner-occupied. About 234 people live here, median age 49.

Net-net, 21824 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.