Merrimack County, NH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Where is distress concentrating in Merrimack County, New Hampshire? DLRadar grades every Merrimack County ZIP 0-100 from foreclosure, tax-lien, mortgage and insurance records, peaking at 25/100. Here is the 2026 Merrimack County breakdown.
- Merrimack County's most distressed ZIP is 03104 at 25/100.
- 31 ZIP codes tracked in Merrimack County, averaging 14/100 distress.
- Merrimack County reads peak — home values up 4.3% year over year.
- Vacancy runs 14.2% across Merrimack County's tracked ZIPs, with a 6.3% poverty rate.
- The typical Merrimack County home is worth about $384,994 against a ~$93,251 median income.
- Lending headwind in Merrimack County sits at 78/100 — a forward read on distressed supply.
Compiled from the DLRadar property-distress index and refreshed monthly. Cite with credit to DLRadar (dlradar.com).
| Rank | ZIP | Composite distress |
|---|---|---|
| 1 | 03104 | 25/100 |
| 2 | 03261 | 25/100 |
| 3 | 03243 | 14/100 |
| 4 | 03046 | 13/100 |
| 5 | 03106 | 13/100 |
| 6 | 03216 | 13/100 |
| 7 | 03221 | 13/100 |
| 8 | 03224 | 13/100 |
| 9 | 03229 | 13/100 |
| 10 | 03230 | 13/100 |
| 11 | 03231 | 13/100 |
| 12 | 03233 | 13/100 |
Most distressed ZIP codes in Merrimack County (composite distress 0-100, 2026)
What is driving Merrimack County distress
Merrimack County's placement in the national index rests on public filings — a 14/100 average across its ZIPs. DLRadar reads FHFA price trajectory, CFPB mortgage delinquency, recorder-level foreclosure and tax-lien activity, FEMA/NFIP loss history and Census ACS demographics.
Merrimack County market phase and pricing
Merrimack County currently sits in peak after a 4.3% gain in the past twelve months. Slower absorption is the mechanism that converts price weakness into motivated supply.
See the distressed properties behind the data in Merrimack County
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What people ask
Where is distress highest inside Merrimack County, NH?
ZIP 03104 leads Merrimack County at 25/100, recomputed monthly from public records.
Is Merrimack County expanding or contracting?
FHFA price-index movement places Merrimack County in peak; prices are up 4.3% over twelve months.
What are the sources behind these Merrimack County numbers?
Nothing here is proprietary or estimated — FHFA price data, CFPB performance data, county recorder records, FEMA/NFIP and Census ACS. All 31 Merrimack County ZIPs are scored by the same deterministic method applied to every U.S. county.
How much do distress scores vary between Merrimack County ZIP codes?
Averaging the county conceals how uneven it is. Across the Merrimack County ZIPs DLRadar ranks, scores run from 25/100 in 03104 down to 13/100 in 03233, against a Merrimack County average of 14/100. With 12 points between best and worst, county-level targeting in Merrimack County wastes effort.
What do Merrimack County home values and vacancy say about distressed supply?
The typical Merrimack County home carries about $384,994 of value against a median household income near $93,251. Vacancy across Merrimack County's tracked ZIPs runs 14.2% and the poverty rate is 6.3%. When budgets are stretched and homes sit vacant, arrears become listings — the reason these sit alongside Merrimack County's foreclosure and tax-lien record and its 78/100 lending headwind.
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Produced by fixed formulas over public records — research, not investment, legal or financial advice. The underlying index updates monthly.