Merrimack County, NH Distress Report: Foreclosure, Tax Liens & ZIPs (2026)
Merrimack County, NH distress report, 2026: 31 ZIPs scored in Merrimack, NH, Merrimack, NH average 14/100; the top Merrimack, NH ZIP is 03261 at 25/100; Merrimack, NH market phase peak, Merrimack, NH prices +4.3% year over year.
- Merrimack, NH ranks #3,052 nationally (opportunity index); Merrimack, NH #10 in New Hampshire; Merrimack, NH index 22.6.
- Merrimack, NH ninety-day mortgage delinquency 0.6% in December 2025; Merrimack, NH twelve-month change -0.3%.
- Merrimack, NH ZIP phases: 31 peak.
- Merrimack, NH residential listings tracked: 116 across 28 ZIPs; Merrimack, NH candidate listings 42.
- Merrimack, NH HUD assisted properties: 19 with 675 units.
- Merrimack, NH lenders on watch: 6; largest Merrimack, NH footprint Merrimack County Sb (7 branches).
- Merrimack, NH most distressed ZIP: 03261 at 25/100.
Merrimack, NH figures: DLRadar distress index; Merrimack, NH inputs: CFPB, FHFA, HUD, FDIC; Merrimack, NH rebuilt as sources refresh.
| Rank | Merrimack, NH ZIP | Score |
|---|---|---|
| 1 | 03261 | 25/100 |
| 2 | 03104 | 24/100 |
| 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 Merrimack, NH ZIPs (0-100, 2026)
Mortgage delinquency in Merrimack, NH
0.6% of Merrimack, NH mortgages were ninety-plus days late (Merrimack, NH, December 2025); Merrimack, NH thirty-to-eighty-nine days late: 2.5%; Merrimack, NH twelve-month change -0.3%; Merrimack, NH peak since 2008: 3.8% (December 2009); New Hampshire overall 0.6%. Merrimack, NH ninety-day series: Dec 24 0.9, Jan 25 1.2, Feb 25 1.2 (Merrimack, NH), Mar 25 0.8, Apr 25 0.7, May 25 0.7 (Merrimack, NH), Jun 25 0.7, Jul 25 0.8, Aug 25 0.9 (Merrimack, NH), Sep 25 0.6, Oct 25 0.6, Nov 25 0.6 (Merrimack, NH), Dec 25 0.6.
Opportunity index: Merrimack, NH
Merrimack, NH index 22.6, Merrimack, NH phase weak; Merrimack, NH primary driver bank institutional, Merrimack, NH second driver vacancy. Merrimack, NH components: property stress 9.2, foreclosure pressure 8.4, listing discounts 25.5, bank stress 62.5, insurance 0.0; Merrimack, NH pulse 24.6; Merrimack, NH capital opportunity 19.7; Merrimack, NH seven-day change +0.3%.
ZIP market phases inside Merrimack, NH
31 Merrimack, NH ZIPs carry a price-cycle phase; Merrimack, NH ZIPs by phase (Merrimack, NH), deepest drawdown first: peak, +4.3% YoY (Merrimack, NH): 03046, 03106, 03216, 03220, Merrimack, NH 03221, 03224, 03229, 03230, Merrimack, NH 03231, 03233, 03234, 03235, Merrimack, NH 03242, 03243, 03255; peak, +4.4% YoY (Merrimack, NH): 03104.
Residential listings by Merrimack, NH ZIP
Merrimack, NH ZIPs with the most tracked Merrimack, NH residential listings: 03301 38 listings, 8 candidates, bank pressure 70; 03303 37 listings, 8 candidates, bank pressure 70; 03230 6 listings, 3 candidates, bank pressure 70; 03263 5 listings, 4 candidates, bank pressure 70 (Merrimack, NH); 03221 4 listings, 2 candidates, bank pressure 70; 03242 4 listings, 3 candidates, bank pressure 70; 03275 4 listings, 3 candidates, bank pressure 70; 03278 4 listings, 2 candidates, bank pressure 70. Merrimack, NH totals: 116 listings; Merrimack, NH candidates 42; active ZIPs 19.
HUD assisted housing in Merrimack, NH
19 assisted properties with 675 units sit in Merrimack, NH; largest Merrimack, NH properties: White Rock Senior Living (Bow) 116 units; Briar Pipe Apartments (Penacook) 77 units, 76 assisted; Meadow Brook (Epsom) 50 units, 50 assisted in Merrimack, NH; Eagles Bluff I (Concord) 40 units; Eagles Bluff Ii (Concord) 40 units; Riverside (Franklin) 40 units, 40 assisted.
Lenders with branches in Merrimack, NH
Merrimack, NH lenders by branch count: Merrimack County Sb (Merrimack, NH): stress 85, 7 branches low in Merrimack, NH; Franklin Savings Bank (Merrimack, NH): stress 73, 4 branches low in Merrimack, NH; Sugar River Bank (Merrimack, NH): stress 72, 3 branches low in Merrimack, NH; Bank Of New Hampshire (Merrimack, NH): stress 63, 2 branches low in Merrimack, NH; Walden Mutual Bank (Merrimack, NH): stress 92, 1 branch low in Merrimack, NH; Mascoma Bank (Merrimack, NH): stress 86, 1 branch low in Merrimack, NH.
Vacancy and permits, Merrimack, NH
5,596 of 66,497 Merrimack, NH housing units are vacant; Merrimack, NH permits, twelve months: 162 multifamily units in Merrimack, NH, 294 one-to-four unit units.
Work Merrimack, NH at the parcel level
Every Merrimack, NH parcel carries owner and address; every Merrimack, NH parcel carries APN; Merrimack, NH distress scores sit on the Merrimack, NH live board.
Merrimack, NH figures refresh with each source.
Merrimack, NH questions
Most distressed ZIP code in Merrimack County, NH?
ZIP 03261 leads Merrimack, NH at 25/100; next in Merrimack, NH: 03104 at 24/100; the Merrimack, NH average is 14/100.
Where does Merrimack County, NH rank for investment opportunity?
Merrimack, NH is #3,052 among all ranked counties, #10 in New Hampshire; the Merrimack, NH driver is bank institutional; Merrimack, NH moved up 15 places.
How many mortgages are delinquent in Merrimack County, NH?
0.6% of Merrimack, NH mortgages were ninety-plus days late in December 2025; the Merrimack, NH peak since 2008 was 3.8%.
Which banks lend in Merrimack County, NH?
6 watched lenders hold Merrimack, NH branches; the largest Merrimack, NH footprints are Merrimack County Sb (7), Franklin Savings Bank (4), Sugar River Bank (3).
More on Merrimack, NH
Merrimack County, NH distress report: public-record figures for Merrimack, NH; not legal advice for Merrimack, NH; not tax or investment advice; verify every Merrimack, NH record before acting.