Maryland foreclosures and housing market

How foreclosure works in Maryland, which counties lean to buyers or sellers, and how many homes are for sale right now.

How's the market in Maryland?

A seller's market.

Listings spent about 50 days on the market, and 21% had a price cut in October 2026.

State

County

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Market figures: Realtor.com® Economic Research, October 2026. Free weekly email. Unsubscribe anytime.

Distressed properties in Maryland

Pre-foreclosures, auctions, bank-owned and HUD homes from county notices, with the street area instead of the house number.

Representative photo

We are not tracking properties in Maryland yet

Our property list covers a handful of counties so far. Leave your email for the free weekly brief, and we will note that you want property alerts for Maryland.

The closest place we track is Florida, with 1 property.

The Maryland market in October 2026

Our score compares how many listings went under contract with how many were for sale, ranked against every US county. Low scores lean to buyers, high scores to sellers.

Most buyer-friendly counties

Lowest scores among counties with 50+ homes for sale.

Most seller-friendly counties

Highest scores among counties with 50+ homes for sale.

Source: Realtor.com® Economic Research, October 2026 county data. County days on market are medians. State and US figures weight each county by its homes for sale. Price-cut share is the share of listings with a price reduction.

Non-judicial, court ratifies

How foreclosure works in Maryland

Most Maryland foreclosures are non-judicial, but a court must ratify the sale.

Main steps and notices: The lender sends a notice of intent to foreclose at least 45 days before starting.
An order to docket can generally be filed 90 days after default or 45 days after the notice, whichever is later. Mediation may be offered.
The sale is published once a week for three weeks, the first at least 15 days before the sale.
After the sale, the borrower usually has 30 days to file exceptions with the court.
Catching up before the sale: The borrower can reinstate up to one business day before the sale.
After the sale: The borrower can redeem until the court ratifies the sale.
Before any of this starts: Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind.
Governing law: Maryland Real Property Code § 7-105.1 et seq.; Maryland Rule 14-305

Sources

General information, not legal advice.

Laws change and each case differs. Anyone facing foreclosure should talk with a local attorney or a HUD-approved housing counselor.

Go deeper

Maryland questions

Is foreclosure in Maryland judicial or non-judicial?

Most Maryland foreclosures are non-judicial, but a court must ratify the sale.

Can a homeowner get the home back after a foreclosure sale in Maryland?

The borrower can redeem until the court ratifies the sale.

Can a borrower in Maryland catch up on the loan before the sale?

The borrower can reinstate up to one business day before the sale.

Is Maryland a buyer's or seller's market right now?

A seller's market. Maryland scores 67 out of 100 on our market scale, where low scores lean to buyers. Listings spent about 50 days on the market, and 21% had a price cut in October 2026. Source: Realtor.com® Economic Research.

How far behind does a borrower have to be before foreclosure starts?

Under federal rules, a mortgage servicer generally can't make the first notice or filing for foreclosure until the borrower is more than 120 days behind. Source: Consumer Financial Protection Bureau.