ZIP 21861 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 21861 (Wicomico County, Maryland) lands at 18/100 — low on DLRadar's distress scoring. Structural risk reads 42/100 against active distress of 2/100. Climate and flood risk are elevated too — flood (NFIP) exposure (65/100), climate & FEMA risk (64/100). Leading the profile are structural risk (42/100), construction/permit lag (40/100), institutional ownership (15/100). By contrast, institutional ownership (15/100) and mortgage stress (7/100) register low.

The peak-phase market in 21861 posted values that rose 2.7% over the year, 1.3% off the recent peak (phase confidence 33/100). Topping markets hide individual distress behind strong averages.

There are about 413 housing units across 21861. About 19% have a four-year degree. Home values center near $192,100, an affordability ratio of 2.2× — accessible. The tenure split is 85% owner-occupied to 15% rented. Households earn a median $85,714 — near the roughly $78,000 national figure. 4.6% of residents fall below the poverty threshold. 806 residents call 21861 home, typically aged 38. Rent burden reaches 15% of tenant households. The vacancy rate is 11.3% — elevated. The demographic-stress sub-score lands at 21/100.

Broadly, 21861 is a steadier market — the deals are the exceptions, not the rule. Parcel-level detail for 21861 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 21861 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 18/100 composite is a like-for-like number rather than an isolated estimate. Every figure is auditable to a public dataset and refreshed as records update; 21861 shows blanks, not estimates, wherever the record is sparse.

The 18/100 for 21861 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. For a buyer, 21861 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.