Frederick, Md. — January 24, 2026
Maryland Cash Home Buyers (MCHB) released market analysis indicating foreclosure activity in Baltimore County remains elevated, with Maryland Department of Housing and Community Development (DHCD) “Foreclosure Hot Spots” data showing a year-over-year increase in Q3 2025 following a substantial increase earlier in 2025.
The Latest Data: Q3 2025
According to DHCD Foreclosure Hot Spots reports, foreclosure events in Baltimore County hot spot ZIP codes totaled 246 in Q3 2025, up from 189 in Q3 2024 (+30.2%). In DHCD jurisdiction tables, Baltimore County appears under “Baltimore.”
In addition, events in the DHCD “Very High” hot spot tier (Foreclosure Index 200–300) increased from 12 (Q3 2024) to 80 (Q3 2025)—a 566.7% year-over-year increase. Over the same period, the “High” tier (Index 100–200) declined modestly (177 to 166), indicating that the overall increase is being driven by a shift toward higher-severity activity in certain ZIP codes.
The Bigger Picture: A Sustained Trend
This Q3 data follows DHCD Q2 2025 figures showing a 149% year-over-year increase in High-tier hot spot events (126 to 314), with the number of hot spot ZIP codes doubling from 5 to 10.
Taken together, the data indicates that foreclosure pressure in Baltimore County is not a one-quarter anomaly but a sustained trend affecting a widening geographic area—with severity escalating.
Why This Matters for Baltimore Homeowners
This analysis was conducted to support MCHB’s Pre-Foreclosure Resolution Program™, a specialized initiative designed to help Maryland homeowners facing mortgage distress understand their timeline and resolution options before auction deadlines.
“The data suggests foreclosure pressure in Baltimore County is not limited to a single quarter,” said Justin Mitchell, Founder of Maryland Cash Home Buyers. “Our goal is to help homeowners understand their timeline and available options. Every situation is different, and homeowners may want to consult a HUD-approved housing counselor or an attorney for legal guidance.”
Expert Analysis: Why Severity Escalation Matters
Debbi Rivero, Licensed Maryland Realtor® (#320362), serving in an advisory capacity, noted that increases in higher-severity categories can be consistent with households facing tighter timeframes and fewer options.
“When activity rises in the ‘Very High’ hot spot tier, it can be a sign that more homeowners are closer to critical deadlines,” said Rivero. “Timing varies by case, but acting earlier typically provides more options.”
The Pre-Foreclosure Resolution Program™: Two Paths
The program offers Maryland homeowners two resolution paths:
- Direct Cash Offer — For homeowners prioritizing speed and certainty. A cash offer can close as fast as 7–21 days in some cases when title is clear.
- Licensed Realtor® Consultation — For homeowners pursuing a traditional listing or short-sale strategy (where permitted by the lender). A traditional listing typically takes 60–90+ days, depending on market conditions, financing, and property readiness.
Service Area
MCHB serves homeowners throughout Maryland’s priority service areas, including Baltimore County and Baltimore City, as well as Anne Arundel, Howard, Frederick, Montgomery, Prince George’s, Washington, and Carroll counties.
Data Summary
Note: Q3 totals below reflect High + Very High hot spot events combined. Q2 figures shown are High-tier only (Index 100–200) plus the number of hot spot ZIP codes, per DHCD reporting.
| Metric | Q3 2024 | Q3 2025 | YoY Change |
|---|---|---|---|
| Total Hot Spot Events (High + Very High) | 189 | 246 | +30.2% |
| “Very High” Severity Events (Index 200–300) | 12 | 80 | +566.7% |
| “High” Severity Events (Index 100–200) | 177 | 166 | -6.2% |
| Metric | Q2 2024 | Q2 2025 | YoY Change |
|---|---|---|---|
| High-tier Hot Spot Events (High tier only, Index 100–200) | 126 | 314 | +149.2% |
| Hot Spot ZIP Codes | 5 | 10 | +100% |
DHCD reports “High” and “Very High” tiers separately; Q2 summary here references the High tier and ZIP footprint used for context.
Sources:
- Maryland DHCD Foreclosure Hot Spots Report, Q3 2024
- Maryland DHCD Foreclosure Hot Spots Report, Q3 2025
- Maryland DHCD Foreclosure Hot Spots Report, Q2 2024
- Maryland DHCD Foreclosure Hot Spots Report, Q2 2025
- Data accessed January 16–22, 2026 Via DHCD Research page: https://dhcd.maryland.gov/pages/research.aspx
About Maryland Cash Home Buyers
Maryland Cash Home Buyers (MCHB) is a Maryland-based home buying company providing off-market solutions for homeowners and estates across the state, with priority service in Baltimore City/County, Anne Arundel, Howard, Frederick, Montgomery, Prince George’s, Washington, and Carroll counties. MCHB’s Dual-Path Solution™ offers either a direct cash offer or a Realtor® consultation, with a transparency-first valuation approach through its Fair Offer Promise™. Reviewed for general real estate content accuracy by Debbi Rivero, a licensed Maryland Realtor® (#320362), serving in an advisory capacity.
Media Contact:
Justin Mitchell
Maryland Cash Home Buyers (MCHB)
Phone: (240) 693-5776
Website: https://marylandcashhomebuyers.com/