ZIP 03104 Foreclosure, Tax-Lien & Distress Report

Hillsborough County, New Hampshire's ZIP 03104 registers 24/100 composite distress, which DLRadar reads as low. Environmental exposure also runs high (climate & FEMA risk (91/100)). Property-level stress concentrates in construction/permit lag (63/100), structural risk (54/100), institutional ownership (13/100). By contrast, institutional ownership (13/100) and mortgage stress (6/100) register low. Structural risk reads 54/100 against active distress of 2/100.

The market reads peak — home values rose 4.4% year on year, and 25% higher over three years, at 27/100 phase confidence. Topping markets hide individual distress behind strong averages.

The vacancy rate is 6.3%. DLRadar's demographic-stress index for the area reads 32/100. 35,274 residents call 03104 home, typically aged 37. About 44% have a four-year degree. The ZIP holds roughly 15,685 housing units. Around 38% of renters are cost-burdened. 57% of housing is owner-occupied. The poverty rate is 9.6%. A median home runs $392,200 here, or 4.3 times local income. Households earn a median $84,513 — near the roughly $78,000 national figure.

Overall 03104 looks resilient on the surface, so the edge is isolating individual stressed parcels. 03104 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The 03104 read uses the identical scoring model applied coast to coast, which means its 24/100 score means exactly what it means anywhere else, and 03104 stays directly comparable to neighboring ZIPs and the rest of Hillsborough County, New Hampshire. Sparse data for 03104 shows as blanks, never estimates, and the score updates on every fresh public filing.

Behind 03104's composite sit distinct signals (foreclosure, mortgage, tax-lien, lender and structural), each scored on its own before rolling up, so two ZIPs with the same total can describe very different situations on the ground. Practically, 03104 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.