ZIP 21866 Property Distress & Foreclosure Data

DLRadar grades ZIP 21866 (Somerset County, Maryland) at a low 21/100 for overall property distress. It additionally carries heavy environmental risk: flood (NFIP) exposure (83/100). On the structural side it scores 48/100, with 3/100 of stress already active. Property-level stress concentrates in 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 (phase confidence 57/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The typical home is worth about $177,500 (1.2× income, relatively affordable). The vacancy rate is 32.3% — elevated. Around 5% of adults hold a bachelor's degree or higher. The demographic-stress sub-score lands at 29/100. 100% of housing is owner-occupied. At $81,420, median income runs near typical U.S. levels. About 106 people live here, median age 61. The poverty rate is 40.6% — high, a tax-stress and distress correlate. The ZIP holds roughly 73 housing units.

Net-net, 21866 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.