ZIP 21904 Property Distress & Foreclosure Data

ZIP code 21904 in Cecil County, Maryland carries a composite property-distress score of 26/100 — a low reading on DLRadar's deterministic public-record index. Climate and flood risk are elevated too — flood (NFIP) exposure (88/100), climate & FEMA risk (62/100). What sets it apart are the readings on construction/permit lag (100/100), structural risk (61/100), institutional ownership (20/100). institutional ownership (20/100) and mortgage stress (9/100) stay muted. Structural risk reads 61/100 against active distress of 3/100.

Prices here sit in a peak phase: values rose 2.8% over the trailing year, and 31% higher over three years, at 32/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

There are about 2,622 housing units across 21904. Households earn a median $84,375 — near the roughly $78,000 national figure. 6,401 residents call 21904 home, typically aged 41. On demographic stress specifically, 21904 scores 31/100. A median home runs $333,500 here, or 3.8 times local income. Roughly 7.5% live below the poverty line. Vacancy runs 13.3%, above the national norm and a classic distress-and-opportunity signal. About 25% have a four-year degree. The tenure split is 84% owner-occupied to 16% rented. Rent burden reaches 49% of tenant households.

Taken together, 21904 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.