ZIP 21838 Property Distress & Foreclosure Data

In Somerset County, Maryland, ZIP 21838 scores 21 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (83/100). Its standout signals are construction/permit lag (60/100), structural risk (48/100), institutional ownership (19/100). institutional ownership (19/100) and mortgage stress (11/100) stay muted. Structural risk reads 48/100 against active distress of 3/100.

Prices here sit in a expansion phase: values rose 6.9% over the trailing year, at 57/100 phase confidence. Even climbing markets leave specific parcels in distress; the scoring isolates them.

Vacancy runs 21.8%, above the national norm and a classic distress-and-opportunity signal. The tenure split is 93% owner-occupied to 7% rented. There are about 917 housing units across 21838. Roughly 4.4% live below the poverty line, a low share typical of higher-equity areas. On demographic stress specifically, 21838 scores 21/100. Rent burden reaches 13% of tenant households. A median home runs $202,400 here, or 2.1 times local income. About 20% have a four-year degree. 1,975 residents call 21838 home, typically aged 46. Households earn a median $85,577 — near the roughly $78,000 national figure.

Taken together, 21838 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.