Maryland
Last checked 2026-07-10
114
Designated tracts (of 454 eligible)
29
Rural designated — QROF treatment
58
Former OZ 1.0 tracts redesignated
57
Days until designations take effect
How Maryland chose
Treasury published the final list on October 30, 2026. Maryland designated 114 of 454 eligible tracts, its full allocation, in 20 of 22 counties with eligible tracts. Designations take effect January 1, 2027 and run through December 31, 2036. Treasury's October list has 3 more eligible tracts here than the April appendix, qualified under its missing-data rules; 0 were designated.
Compared with the eligible tracts it passed over, Maryland favored former OZ 1.0 tracts, Urban Institute Tier 1 tracts and higher-poverty tracts.
| Trait | Designated | Passed over |
|---|---|---|
| Former OZ 1.0 tract | 50.9% | 15.6% |
| Rural (QROF) | 25.4% | 14.1% |
| Urban Institute Tier 1 | 25.4% | 10.9% |
| Median poverty rate | 21.1% | 16.8% |
| Median family income, % of area | 54.7% | 54.6% |
| Residents of color (mean) | 70.2% | 73.3% |
| Median density, people / sq mi | 4,706 | 7,350 |
Poverty and income: Treasury's own eligibility figures (ACS 2020–2024). Demographics: ACS 2020–2024. Former OZ 1.0 = at least half the tract's land area was in a 2018 QOZ. How every state compares →
Record: how Maryland ran its nomination input process
Nomination process
Community input window closed 2026-08-07. The state is now in internal review.
Map: designated and eligible tracts
Loading 454 eligible tracts…
Designated tracts by county
The county is usually the first local partner on an OZ deal — zoning, infrastructure, incentives. CDEs listed are New Markets Tax Credit allocatees that have already financed deals inside this county's designated tracts: the organizations with a working track record of underwriting there.
| County | Designated / eligible | Rural | OZ 1.0 kept / lost | Residents | NMTC CDEs active in designated tracts |
|---|---|---|---|---|---|
| Baltimore city | 38 / 140 | — | 18 / 24 | 97,478 | CFBanc Corporation; Capital Impact Partners; Chase New Markets Corporation; City First New Markets Fund II, LLC; ESIC New Markets Partners LP; Greenline Community Development Fund, LLC; HARBOR BANKSHARES CORPORATION; HFHI-SA NMTC I, LLC; Merrill Lynch Community Development Company; Mid-City Community CDE, LLC; National New Markets Tax Credit Fund, Inc.; Reinvestment Fund, Inc., The; Telesis CDE Corporation; The Community Builders CDE LLC; Urban Action Community Development LLC |
| Prince George's County | 18 / 104 | — | 12 / 13 | 85,181 | Mid-City Community CDE, LLC |
| Montgomery County | 10 / 49 | — | 4 / 13 | 46,098 | — |
| Baltimore County | 9 / 60 | — | 3 / 7 | 36,898 | — |
| Frederick County | 4 / 14 | — | 3 / 2 | 19,427 | — |
| Washington County | 4 / 7 | 4 | 4 / 1 | 14,680 | — |
| Allegany County | 3 / 19 | 3 | 2 / 2 | 8,082 | — |
| Anne Arundel County | 3 / 9 | — | 0 / 4 | 6,620 | — |
| Charles County | 3 / 5 | 3 | 1 / 2 | 16,973 | — |
| Dorchester County | 3 / 7 | 3 | 1 / 1 | 13,062 | MASCOMA COMMUNITY DEVELOPMENT, LLC |
| Garrett County | 3 / 4 | 3 | 1 / 3 | 12,138 | — |
| Harford County | 3 / 7 | 3 | 2 / 2 | 19,705 | — |
| Cecil County | 2 / 3 | — | 2 / 2 | 8,810 | — |
| Somerset County | 2 / 2 | 2 | 2 / 1 | 9,093 | — |
| St. Mary's County | 2 / 4 | 2 | 0 / 1 | 10,228 | — |
| Wicomico County | 2 / 6 | 2 | 1 / 7 | 3,056 | — |
| Worcester County | 2 / 4 | 2 | 1 / 2 | 7,937 | — |
| Howard County | 1 / 2 | — | 0 / 1 | 6,402 | — |
| Kent County | 1 / 1 | 1 | 0 / 1 | 4,288 | — |
| Talbot County | 1 / 1 | 1 | 1 / 1 | 3,789 | — |
| Calvert County | 0 / 1 | — | 0 / 3 | — | — |
| Caroline County | 0 / 5 | — | 0 / 2 | — | — |
Counties with no designated tracts are listed only if they lost OZ 1.0 tracts. NMTC: CDFI Fund NMTC public data release. 16 distinct CDEs across Maryland's designated tracts.
Find projects and partners in the designated tracts
Every designated tract in Maryland, tagged by the signals that point to a project type or a partner. Pick tags to narrow the list — a tract must carry every tag selected. Tags are simple published rules, not a score; hover a tag for its definition.
114 of 114 tracts shown
Download all eligible tracts, national (CSV) →| Tract | County | Pov. | MFI | Pop. | Rent. | Vac. | Signals | Prior NMTC CDEs |
|---|---|---|---|---|---|---|---|---|
| 24001000500 | Allegany County | 33.6% | 37.2% | 2,108 | 41.9% | 31.5% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 24001001000 | Allegany County | 32.1% | 35.2% | 1,876 | 51.3% | 24.4% | Rural / QROFFormer OZ 1.0CRA-eligibleHousing pressureHigh vacancy | — |
| 24001001800 | Allegany County | 26.9% | 60.4% | 4,098 | 53.2% | 17.3% | Rural / QROFFormer OZ 1.0Housing pressureHigh vacancy | — |
| 24003730404 | Anne Arundel County | 13.7% | 59.5% | 2,019 | 43.1% | 3.3% | CRA-eligible | — |
| 24003730511 | Anne Arundel County | 16.6% | 32.9% | 1,316 | 98.6% | 8.3% | CRA-eligibleHousing pressure | — |
| 24003740205 | Anne Arundel County | 22.7% | 73.6% | 3,285 | 33.1% | 8% | | — |
| 24005401507 Suitland | Baltimore County | 7.7% | 68.3% | 6,311 | 66.3% | 3.1% | Former OZ 1.0CRA-eligible | — |
| 24005402305 | Baltimore County | 6.7% | 43% | 2,717 | 67% | 0.4% | CRA-eligibleHousing pressure | — |
| 24005402307 | Baltimore County | 12.5% | 51.2% | 5,956 | 60.9% | 7.8% | CRA-eligibleHousing pressure | — |
| 24005403402 | Baltimore County | 18.9% | 65.5% | 4,841 | 39% | 2.5% | CRA-eligibleUI Tier 1 | — |
| 24005420900 Towson | Baltimore County | 21.9% | 53.1% | 3,813 | 45.4% | 1.6% | CRA-eligible | — |
| 24005451600 | Baltimore County | 8.4% | 65.9% | 1,804 | 30.9% | 9.4% | Former OZ 1.0CRA-eligible | — |
| 24005490900 | Baltimore County | 22.9% | 80.3% | 5,188 | 68.5% | 3.5% | Housing pressureUI Tier 1 | — |
| 24005492500 | Baltimore County | 46.8% | — | 3,491 | 0% | 0% | Former OZ 1.0 | — |
| 24005492700 | Baltimore County | 16.8% | 40.4% | 2,777 | 65.8% | 27.1% | CRA-eligibleHousing pressureHigh vacancyUI Tier 1 | — |
| 24510040200 Salisbury | Baltimore city | 30.6% | 32.4% | 1,517 | 97.4% | 6.2% | NMTC track recordPersistent poverty | HARBOR BANKSHARES CORPORATION |
| 24510080301 | Baltimore city | 25% | 44.2% | 1,895 | 67.6% | 29.3% | CRA-eligibleHousing pressureHigh vacancyPersistent poverty | — |
| 24510080400 Silver Spring | Baltimore city | 20.7% | 65.5% | 806 | 76% | 32.7% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureHigh vacancyPersistent poverty | Capital Impact Partners; Telesis CDE Corporation $32.0M · 2 deals |
| 24510080700 | Baltimore city | 39.1% | — | 1,024 | 52.5% | 36.2% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureHigh vacancyUI Tier 1Persistent poverty | ESIC New Markets Partners LP; HARBOR BANKSHARES CORPORATION $0.1M · 2 deals |
| 24510080800 Baltimore | Baltimore city | 29.6% | 62.3% | 2,015 | 65.3% | 10.7% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureUI Tier 1Persistent poverty | HARBOR BANKSHARES CORPORATION $4.3M · 2 deals |
| 24510090300 | Baltimore city | 25.8% | 58.3% | 4,390 | 54% | 5.9% | NMTC track recordCRA-eligibleUI Tier 1Persistent poverty | HARBOR BANKSHARES CORPORATION $9.5M · 2 deals |
| 24510090400 | Baltimore city | 29.7% | 36.2% | 1,419 | 65.3% | 12.2% | CRA-eligibleHousing pressurePersistent poverty | — |
| 24510090500 | Baltimore city | 11.5% | 61.2% | 1,379 | 46.7% | 14.7% | CRA-eligiblePersistent poverty | — |
| 24510090900 | Baltimore city | 20.7% | 45.4% | 2,268 | 77.2% | 33.1% | CRA-eligibleHousing pressureHigh vacancyUI Tier 1Persistent poverty | — |
| 24510100200 Langley Park | Baltimore city | 47.8% | 13.7% | 2,796 | 84.8% | 2% | CRA-eligiblePersistent poverty | — |
| 24510110100 | Baltimore city | 22.8% | 68.8% | 2,309 | 85.8% | 17.4% | Housing pressureHigh vacancyPersistent poverty | — |
| 24510120400 | Baltimore city | 12.8% | 54.7% | 2,081 | 68.1% | 17% | NMTC track recordHigh vacancyPersistent poverty | Telesis CDE Corporation $6.9M · 2 deals |
| 24510120600 | Baltimore city | 40.3% | 51.4% | 2,686 | 87.3% | 14.1% | NMTC track recordCRA-eligibleHousing pressurePersistent poverty | Chase New Markets Corporation; ESIC New Markets Partners LP $5.6M · 2 deals |
| 24510130100 | Baltimore city | 33.2% | — | 3,093 | 80.9% | 9.1% | Housing pressurePersistent poverty | — |
| 24510130200 Baltimore | Baltimore city | 8.9% | 53.7% | 2,026 | 66.4% | 20.4% | Former OZ 1.0Housing pressureHigh vacancyPersistent poverty | — |
| 24510130300 Baltimore | Baltimore city | 37% | 50% | 1,789 | 66.4% | 31.5% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancyPersistent poverty | — |
| 24510140200 | Baltimore city | 34.9% | 40.4% | 2,245 | 67% | 28.5% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancyUI Tier 1Persistent poverty | — |
| 24510140300 | Baltimore city | 38.4% | — | 1,831 | 72.5% | 30.1% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancyPersistent poverty | — |
| 24510160100 | Baltimore city | 34.3% | 31% | 2,169 | 85.1% | 22.6% | CRA-eligibleHousing pressureHigh vacancyPersistent poverty | — |
| 24510170100 | Baltimore city | 29.8% | — | 1,882 | 95.5% | 8.4% | UI Tier 1Persistent poverty | — |
| 24510170200 | Baltimore city | 60.8% | 21.9% | 2,380 | 97.9% | 8.9% | Former OZ 1.0NMTC track recordHousing pressurePersistent poverty | Reinvestment Fund, Inc., The $0.7M · 1 deal |
| 24510180300 | Baltimore city | 25.3% | 45.2% | 1,885 | 85.1% | 17.4% | Former OZ 1.0NMTC track recordHigh vacancyUI Tier 1Persistent poverty | City First New Markets Fund II, LLC; Urban Action Community Development LLC $9.8M · 2 deals |
| 24510190100 | Baltimore city | 42.7% | — | 1,478 | 79.2% | 24.3% | CRA-eligibleHousing pressureHigh vacancyPersistent poverty | — |
| 24510200800 | Baltimore city | 26.5% | 37.6% | 2,113 | 60.5% | 18.3% | CRA-eligibleHigh vacancyUI Tier 1Persistent poverty | — |
| 24510210100 | Baltimore city | 21.6% | 102.6% | 2,082 | 52.6% | 13.2% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureUI Tier 1Persistent poverty | City First New Markets Fund II, LLC; The Community Builders CDE LLC $15.9M · 2 deals |
| 24510210200 Ballenger Creek | Baltimore city | 17.9% | 52.3% | 3,251 | 54.6% | 9.6% | NMTC track recordCRA-eligibleUI Tier 1Persistent poverty | Greenline Community Development Fund, LLC; HFHI-SA NMTC I, LLC $14.3M · 2 deals |
| 24510250204 Essex | Baltimore city | 49% | 22.7% | 4,306 | 98.5% | 8.5% | Former OZ 1.0CRA-eligiblePersistent poverty | — |
| 24510250301 | Baltimore city | 39.1% | 23.6% | 1,938 | 57% | 24.8% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancyUI Tier 1Persistent poverty | — |
| 24510250500 | Baltimore city | 32.5% | 42.8% | 4,808 | 49.1% | 14.9% | Former OZ 1.0NMTC track recordCRA-eligiblePersistent poverty | HARBOR BANKSHARES CORPORATION $7.0M · 1 deal |
| 24510250600 Gaithersburg | Baltimore city | 41.2% | — | 34 | 79.4% | 0% | Persistent poverty | — |
| 24510260303 Walker Mill | Baltimore city | 23.9% | 47.5% | 1,282 | 70.5% | 2.4% | CRA-eligibleUI Tier 1Persistent poverty | — |
| 24510260501 | Baltimore city | 13.9% | 57.7% | 4,757 | 52% | 7.9% | Former OZ 1.0NMTC track recordCRA-eligibleHousing pressureUI Tier 1Persistent poverty | HARBOR BANKSHARES CORPORATION; Mid-City Community CDE, LLC $1.7M · 2 deals |
| 24510260605 Baltimore | Baltimore city | 14.6% | 50.2% | 6,870 | 43.7% | 6.4% | Former OZ 1.0NMTC track recordCRA-eligiblePersistent poverty | CFBanc Corporation $15.0M · 1 deal |
| 24510271700 Walker Mill | Baltimore city | 23.4% | 56.7% | 4,330 | 47.9% | 18.6% | Former OZ 1.0NMTC track recordCRA-eligibleHigh vacancyPersistent poverty | HARBOR BANKSHARES CORPORATION $19.4M · 1 deal |
| 24510280102 | Baltimore city | 25.2% | 54% | 4,868 | 40.7% | 12.5% | NMTC track recordCRA-eligiblePersistent poverty | National New Markets Tax Credit Fund, Inc. $0.5M · 1 deal |
| 24510280401 | Baltimore city | 21.3% | 100.3% | 3,460 | 30% | 5.5% | CRA-eligiblePersistent poverty | — |
| 24510280500 | Baltimore city | 66.5% | 16.4% | 2,492 | 94.1% | 12.9% | Former OZ 1.0CRA-eligibleHousing pressureUI Tier 1Persistent poverty | — |
| 24510280600 | Baltimore city | 36.5% | 31.3% | 3,524 | 83.9% | 12.5% | Former OZ 1.0NMTC track recordCRA-eligibleUI Tier 1Persistent poverty | ESIC New Markets Partners LP; HARBOR BANKSHARES CORPORATION; Merrill Lynch Community Development Company; Urban Action Community Development LLC $39.8M · 4 deals |
| 24015030400 | Cecil County | 25.8% | 46.2% | 5,100 | 64.9% | 10.4% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 24015030505 | Cecil County | 21.3% | 81.4% | 3,710 | 22.4% | 4.1% | Former OZ 1.0UI Tier 1 | — |
| 24017850802 Middle River | Charles County | 11.6% | 61.8% | 5,818 | 25.7% | 1% | Rural / QROFFormer OZ 1.0UI Tier 1 | — |
| 24017850901 | Charles County | 17.8% | 54.7% | 6,407 | 51.4% | 0% | Rural / QROFCRA-eligibleHousing pressure | — |
| 24017851200 | Charles County | 6.3% | 69.4% | 4,748 | 21.8% | 20.7% | Rural / QROFHigh vacancy | — |
| 24019970200 | Dorchester County | 13.9% | 67.1% | 5,688 | 17.1% | 10.9% | Rural / QROF | — |
| 24019970400 Hyattsville | Dorchester County | 12.3% | 66.9% | 3,386 | 47.8% | 23.4% | Rural / QROFFormer OZ 1.0NMTC track recordHigh vacancy | MASCOMA COMMUNITY DEVELOPMENT, LLC $11.9M · 1 deal |
| 24019970500 | Dorchester County | 54.2% | 18.9% | 3,988 | 78.3% | 11.5% | Rural / QROFCRA-eligibleHousing pressure | — |
| 24021750505 Baltimore | Frederick County | 11.5% | 53.1% | 6,789 | 51.2% | 5.8% | CRA-eligibleHousing pressure | — |
| 24021751003 Baltimore | Frederick County | 15.9% | 47.8% | 5,675 | 44.3% | 3.2% | Former OZ 1.0CRA-eligible | — |
| 24021765100 | Frederick County | 9.8% | 60.4% | 5,068 | 38.6% | 2.3% | Former OZ 1.0CRA-eligibleUI Tier 1 | — |
| 24021772200 | Frederick County | 34.7% | 52% | 1,895 | 55.5% | 9.8% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 24023000100 Dundalk | Garrett County | 15.6% | 59.1% | 4,029 | 17.5% | 15.1% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 24023000400 | Garrett County | 12.2% | 53.2% | 2,651 | 18.3% | 18.7% | Rural / QROFCRA-eligibleHigh vacancy | — |
| 24023000700 | Garrett County | 15.7% | 53.8% | 5,458 | 23.1% | 10.5% | Rural / QROFFormer OZ 1.0CRA-eligible | — |
| 24025301302 Coral Hills | Harford County | 22.9% | 52.5% | 8,095 | 45.9% | 2.4% | Rural / QROFFormer OZ 1.0CRA-eligible | — |
| 24025301601 Baltimore | Harford County | 8.4% | 64.5% | 6,797 | 33.4% | 11% | Rural / QROFCRA-eligibleUI Tier 1 | — |
| 24025302902 Baltimore | Harford County | 8.6% | 56.3% | 4,813 | 30.2% | 3.8% | Rural / QROFFormer OZ 1.0CRA-eligible | — |
| 24027606907 Gaithersburg | Howard County | 8.1% | 67.3% | 6,402 | 64% | 5.9% | | — |
| 24029950200 Wheaton | Kent County | 8.9% | 67.5% | 4,288 | 15% | 23.6% | Rural / QROFHigh vacancy | — |
| 24031700309 Baltimore | Montgomery County | 12.9% | 63.6% | 5,889 | 48.7% | 4.2% | CRA-eligible | — |
| 24031700706 | Montgomery County | 5.2% | 65.1% | 4,324 | 56.6% | 5.4% | CRA-eligibleUI Tier 1 | — |
| 24031700713 | Montgomery County | 27.2% | 38% | 4,932 | 65.7% | 5.9% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 24031700732 Baltimore | Montgomery County | 14.7% | 68.1% | 3,263 | 50.3% | 13.2% | CRA-eligibleHousing pressure | — |
| 24031700904 Montgomery Village | Montgomery County | 25.1% | 58% | 3,979 | 95.2% | 7.2% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 24031701219 | Montgomery County | 7.7% | 52.4% | 4,557 | 99.6% | 4.6% | CRA-eligible | — |
| 24031701509 Baltimore | Montgomery County | 21.2% | 44.2% | 6,390 | 78.2% | 0.5% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 24031701702 | Montgomery County | 7.2% | 64% | 2,474 | 60.1% | 6.8% | CRA-eligibleHousing pressure | — |
| 24031703209 | Montgomery County | 13.6% | 66.7% | 6,088 | 39.3% | 8.7% | CRA-eligible | — |
| 24031703800 Greenbelt | Montgomery County | 16.9% | 63.9% | 4,202 | 82.6% | 1.7% | Former OZ 1.0CRA-eligibleHousing pressureUI Tier 1 | — |
| 24033800218 | Prince George's County | 21.3% | 50.7% | 6,856 | 69.8% | 1.1% | CRA-eligibleHousing pressureUI Tier 1 | — |
| 24033801500 Ocean City | Prince George's County | 6.4% | 67.2% | 2,296 | 6.7% | 2.7% | Former OZ 1.0 | — |
| 24033801802 | Prince George's County | 5.8% | 62.6% | 3,753 | 47.3% | 6.1% | Former OZ 1.0CRA-eligible | — |
| 24033801807 | Prince George's County | 11.4% | 55.8% | 5,134 | 50.5% | 8% | Former OZ 1.0CRA-eligible | — |
| 24033801809 | Prince George's County | 8.4% | 62.6% | 4,596 | 36.8% | 5.7% | CRA-eligibleUI Tier 1 | — |
| 24033801907 Frederick | Prince George's County | 18.8% | 42.8% | 3,243 | 59.7% | 6.8% | Housing pressure | — |
| 24033802804 | Prince George's County | 9% | 56.6% | 4,940 | 34.4% | 8.5% | Former OZ 1.0CRA-eligible | — |
| 24033802901 Milford Mill | Prince George's County | 16.4% | 38.7% | 4,059 | 48.5% | 3.5% | Former OZ 1.0CRA-eligible | — |
| 24033803508 | Prince George's County | 26% | 61% | 3,743 | 58.1% | 1.2% | Former OZ 1.0Housing pressure | — |
| 24033803525 | Prince George's County | 32.8% | — | 2,065 | 78.7% | 9% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 24033803602 | Prince George's County | 19.8% | 57% | 2,202 | 42.5% | 7.3% | Former OZ 1.0NMTC track recordCRA-eligible | Mid-City Community CDE, LLC $2.0M · 1 deal |
| 24033803612 | Prince George's County | 14.5% | 49% | 3,992 | 71.8% | 2.4% | Former OZ 1.0CRA-eligibleHousing pressure | — |
| 24033805908 Baltimore | Prince George's County | 14.1% | 43.5% | 2,952 | 78.5% | 17.9% | Former OZ 1.0CRA-eligibleHousing pressureHigh vacancyUI Tier 1 | — |
| 24033805909 Salisbury | Prince George's County | 6.3% | 57.8% | 4,699 | 82.9% | 5.9% | CRA-eligibleHousing pressure | — |
| 24033806713 | Prince George's County | 10% | 38.6% | 3,408 | 100% | 2.2% | CRA-eligibleHousing pressure | — |
| 24033807000 Greensboro | Prince George's County | 43.1% | 74.8% | 8,443 | 73.8% | 13.9% | Former OZ 1.0Housing pressureUI Tier 1 | — |
| 24033807409 | Prince George's County | 18% | 60.8% | 4,052 | 67.8% | 2.4% | | — |
| 24033980000 | Prince George's County | 68.5% | 33.5% | 14,748 | 93.6% | 19.2% | Former OZ 1.0Housing pressureHigh vacancy | — |
| 24039930101 | Somerset County | 23.3% | 84.5% | 6,288 | 59% | 29.4% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancyUI Tier 1 | — |
| 24039930600 Gaithersburg | Somerset County | 17.6% | 63.7% | 2,805 | 43.2% | 29.7% | Rural / QROFFormer OZ 1.0CRA-eligibleHigh vacancy | — |
| 24037875903 | St. Mary's County | 26.7% | 61.8% | 2,913 | 54.2% | 7.6% | Rural / QROFCRA-eligible | — |
| 24037876004 | St. Mary's County | 10.8% | 67.4% | 7,315 | 52.6% | 6.2% | Rural / QROF | — |
| 24041960300 Baltimore | Talbot County | 19.5% | 47.2% | 3,789 | 49.8% | 5.3% | Rural / QROFFormer OZ 1.0CRA-eligible | — |
| 24043000400 | Washington County | 38.8% | 43% | 1,786 | 88.3% | 18.8% | Rural / QROFFormer OZ 1.0CRA-eligibleHousing pressureHigh vacancy | — |
| 24043000500 Milford Mill | Washington County | 29.2% | 63.6% | 6,052 | 63.2% | 6.5% | Rural / QROFFormer OZ 1.0CRA-eligibleHousing pressure | — |
| 24043000700 | Washington County | 32.5% | 64.6% | 2,935 | 82.4% | 13.7% | Rural / QROFFormer OZ 1.0CRA-eligibleHousing pressure | — |
| 24043000800 | Washington County | 33.4% | 47.8% | 3,907 | 68.7% | 3.4% | Rural / QROFFormer OZ 1.0CRA-eligibleHousing pressure | — |
| 24045000200 Wheaton | Wicomico County | 21% | 75.9% | 1,909 | 61.2% | 14.1% | Rural / QROFFormer OZ 1.0Housing pressure | — |
| 24045000300 South Laurel | Wicomico County | 37.4% | 43% | 1,147 | 93.6% | 16% | Rural / QROFCRA-eligibleHousing pressureHigh vacancy | — |
| 24047951300 | Worcester County | 17.5% | 54.6% | 2,984 | 41% | 7.6% | Rural / QROFFormer OZ 1.0CRA-eligible | — |
| 24047951500 | Worcester County | 15.2% | 57.5% | 4,953 | 40.7% | 13.6% | Rural / QROFCRA-eligible | — |
Reading the signals for projects
- Rural / QROF — a rural QOF investment gets a 30% basis step-up at five years, and existing buildings need only 50% improvement. Rehab of existing stock pencils here in ways it does not elsewhere. Mechanics →
- Housing pressure — mostly renters, most of them cost-burdened. Housing deals here have demand; they also carry displacement risk, which is where community benefit terms matter.
- High vacancy — vacant structures to bring back. Pair with the 50% rural improvement threshold where both apply.
- UI Tier 1 — the Urban Institute's read that private capital is likely to come and the impact would be larger.
Reading the signals for partners
- NMTC track record — the listed CDEs have underwritten deals in this exact tract. They know the market and can layer NMTC with OZ equity. How they stack →
- CRA-eligible — bank investment here earns CRA credit. Start with community development officers at banks with branches in the county.
- Former OZ 1.0 — QOFs and sponsors may already hold assets here. They are the most likely early OZ 2.0 investors and know the local approvals path.
- Tribal — the tribal government is a principal, not a stakeholder to consult. Persistent poverty — USDA Rural Development programs can fill gaps.
Data context
69
Eligible tracts in EIG DCI top distress quintile
The EIG Distressed Communities Index (2019–2023) is referenced in many state scoring rubrics. Quintile 1 = most distressed. See whether OZ 1.0 reached the most distressed places →
1
Counties with eligible tracts designated USDA persistent poverty
Persistent poverty = 20%+ poverty rate in every census 1980–2010. Source: USDA ERS County Typology Codes (2015 edition). Relevant for USDA RD program eligibility and QROF rural bonus. See QROF rural bonus mechanics →
71
Prior NMTC investments in eligible OZ tracts
CDFI Fund NMTC Public Data Release (2024). Indicates prior CDFI capital deployment track record in these tracts. See how NMTC and OZ stack →
353
Eligible tracts with CRA designation (LMI or distressed/underserved)
Banks earn CRA credit for investing in low- or moderate-income tracts (Track 1), and in non-metropolitan middle-income tracts officially designated distressed or underserved by FFIEC (Track 2). When an OZ project sits in a CRA-eligible tract, bank capital can satisfy CRA obligations while generating OZ tax benefits. How CRA and OZ interact →
Cities: Baltimore, Hyattsville, Silver Spring, Dundalk, Gaithersburg and 92 more
ZIP codes: 21215, 21213, 21205, 21223, 21222 and 160 more
See all 97 cities and 165 ZIP codes
All cities:
Baltimore, Hyattsville, Silver Spring, Dundalk, Gaithersburg, Capitol Heights, District Heights, Gwynn Oak, Glen Burnie, Temple Hills, Suitland, Frederick, Cumberland, Brooklyn, Takoma Park, Hagerstown, Laurel, Germantown, Halethorpe, Riverdale, Lanham, Rockville, Parkville, Catonsville, Essex, Middle River, Windsor Mill, Mount Savage, Pikesville, Greenbelt, Towson, Bladensburg, Frostburg, Thurmont, Oxon Hill, Washington, Waldorf, Lexington Park, Salisbury, Owings Mills, Sparrows Point, Rocky Ridge, Montgomery Village, Mount Rainier, Nottingham, Aberdeen, Joppa, Elkton, Beltsville, Brentwood, Burtonsville, Fort Washington, Cambridge, Edgewood, College Park, Indian Head, Easton, Denton, Curtis Bay, Rosedale, Crisfield, Corriganville, Snow Hill, Clinton, Cockeysville, Rawlings, Taneytown, Chase, Union Bridge, Unionville, Westernport, Barton, Reisterstown, Princess Anne, Randallstown, Federalsburg, Kensington, Keymar, Havre De Grace, Great Mills, Glenn Dale, Luke, Lutherville Timonium, Midland, Millersville, Emmitsburg, Andrews Air Force Base, Ellerslie, New Windsor, Oakland, Elkridge, Park Hall, Eden, Perry Hall, Eckhart Mines, Pocomoke City, Woodsboro
All ZIP codes:
21215, 21213, 21205, 21223, 21222, 21229, 21217, 20783, 20743, 21216, 21218, 21207, 20785, 21224, 20747, 21206, 20748, 20746, 21502, 20903, 21230, 21740, 20782, 20912, 20906, 21202, 21225, 21239, 20877, 21061, 20737, 20706, 21227, 21220, 21221, 20904, 20901, 21228, 21234, 21201, 20784, 21545, 21244, 21208, 21211, 20770, 21212, 20781, 20879, 20878, 20902, 20707, 20874, 20708, 21287, 21231, 21060, 21532, 21701, 21788, 21702, 21703, 20710, 20910, 21209, 20853, 21214, 20602, 21219, 21236, 20705, 20722, 20740, 20712, 20850, 21117, 20744, 21270, 20745, 20851, 20852, 21742, 20866, 20876, 21286, 20886, 21704, 21778, 21085, 20653, 20916, 21001, 21040, 21921, 21613, 21851, 21521, 21853, 21817, 21822, 21528, 21863, 21529, 21524, 21757, 21804, 21801, 21741, 21727, 21776, 21787, 21632, 21629, 21601, 21562, 21557, 21550, 21542, 21540, 21791, 21792, 21798, 21503, 20233, 21501, 20884, 20857, 20847, 20771, 20769, 20762, 20735, 20726, 20725, 20709, 20667, 20640, 20634, 20604, 20603, 20601, 20599, 20395, 20875, 20885, 21281, 20895, 21237, 21233, 21226, 21204, 21203, 20389, 21136, 21133, 21128, 21108, 21093, 21078, 21075, 21030, 21027, 20993, 20915, 21922
Look up a specific tract (FFIEC) → Source: FFIEC Census Flat File 2026, joined to IRS Rev. Proc. 2026-14 eligible tracts.
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Eligible tracts in top investability quintile (Urban Institute model)
The Urban Institute investability model scores OZ-eligible tracts by predicted likelihood of attracting private capital, based on OZ 1.0 investment patterns. Quintile 1 = highest predicted investability among scored tracts. Not all tracts are scored — coverage reflects tracts with sufficient OZ 1.0 data.
Who to contact
Maryland Dept. of Housing and Community Development (DHCD)
https://dhcd.maryland.gov/pages/oz/opportunityzones.aspx(443) 257-5478
Certified CDFIs
13 certified CDFIs headquartered in Maryland. CDFI Fund certified list →
USDA Rural Development
USDA RD Maryland State Office →RCAP Regional Partner
Southeast Rural Community Assistance Project (SERCAP) →Rural LISC
Rural LISC →Native / tribal
No formal tribal consultation process has been published for Maryland's OZ 2.0 nomination. If your jurisdiction contains or is adjacent to tribal land, contact the relevant Tribal Historic Preservation Office (THPO) or tribal government directly before submitting a nomination.
Designations: Treasury, 2027 QOZ designations and revised eligible-tract file (October 30, 2026). Demographics: ACS 2020–2024 5-year. OZ 1.0: IRS Notice 2018-48, crosswalked to 2020 tracts. Eligible tract counts: IRS Rev. Proc. 2026-14 (April 6, 2026). Rural designation: Notice 2025-50, Section 4.01. Status tier last verified 2026-07-10. Full methodology.