ZIP 03221 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 03221 (Merrimack County, New Hampshire) lands at 13/100 — minimal on DLRadar's distress scoring. Structurally it carries 27/100, against 1/100 of stress already in motion. The pressure is most legible in structural risk (27/100), construction/permit lag (8/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted. It additionally carries heavy environmental risk: climate & FEMA risk (81/100).

Prices here sit in a peak phase: values rose 4.3% over the trailing year, and 27% higher over three years, at 29/100 phase confidence. Topping markets hide individual distress behind strong averages.

The ZIP holds roughly 1,245 housing units. Home values center near $325,400, an affordability ratio of 3.3× — accessible. Vacancy runs 27.5%, above the national norm and a classic distress-and-opportunity signal. The poverty rate is 7.8%. Rent burden reaches 33% of tenant households. On demographic stress specifically, 03221 scores 27/100. The tenure split is 89% owner-occupied to 11% rented. Educational attainment sits at 37% bachelor's-or-above. Population is roughly 2,210 with a median age of 47. At $92,083, median income runs above typical U.S. levels.

Net-net, 03221 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. No parcel file is published for 03221 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

Whether 03221 runs hot or quiet, its 13/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 03221 can be compared directly against any other ZIP in Merrimack County, New Hampshire or nationwide. The score is rebuilt from public data as it updates, so 03221 reflects the current record instead of a stale or modeled snapshot.

The 13/100 for 03221 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 03221 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.