ZIP 21864 Property Distress & Foreclosure Data

ZIP code 21864 in Worcester County, Maryland carries a composite property-distress score of 24/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (84/100), structural risk (55/100), mortgage stress (17/100). On the quiet end sit mortgage stress (17/100) and institutional ownership (16/100). The latent-versus-live split is 55/100 structural and 5/100 already moving. Environmental exposure also runs high (flood (NFIP) exposure (71/100), climate & FEMA risk (68/100)).

The peak-phase market in 21864 posted values that rose 2.8% over the year (phase confidence 32/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $87,717, above the U.S. median near $78,000. Around 44% of renters are cost-burdened. 1.6% of residents fall below the poverty threshold. DLRadar's demographic-stress index for the area reads 27/100. Educational attainment sits at 5% bachelor's-or-above. Home values center near $163,500, an affordability ratio of 2.0× — accessible. The vacancy rate is 21.5% — elevated. Owners hold 84% of homes, renters 16%. Population is roughly 667 with a median age of 43. The ZIP holds roughly 311 housing units.

On the whole, 21864 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.