ZIP 03046 Property Distress & Foreclosure Data

DLRadar grades ZIP 03046 (Merrimack County, New Hampshire) at a low 20/100 for overall property distress. Property-level stress concentrates in construction/permit lag (80/100), structural risk (45/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted. Climate and flood risk are elevated too — climate & FEMA risk (81/100). The latent-versus-live split is 45/100 structural and 1/100 already moving.

Prices here sit in a expansion phase: values rose 5.6% over the trailing year, and 30% higher over three years (phase confidence 37/100). Even climbing markets leave specific parcels in distress; the scoring isolates them.

About 43% have a four-year degree. The vacancy rate is 1.6%. The ZIP holds roughly 1,233 housing units. 3,055 residents call 03046 home, typically aged 47. Households earn a median $134,205 — above the roughly $78,000 national figure. On demographic stress specifically, 03046 scores 27/100. Roughly 2.5% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 95% owner-occupied to 5% rented. Around 62% of renters are cost-burdened. A median home runs $484,100 here, or 3.3 times local income.

On balance, 03046 reads as a higher-equity, stable market where distress is selective and worth pinpointing parcel by parcel. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.