ZIP 03224 Property Distress & Foreclosure Data

ZIP code 03224 in Merrimack County, New Hampshire carries a composite property-distress score of 20/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (80/100), structural risk (45/100), mortgage stress (3/100). By contrast, mortgage stress (3/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (81/100). On the structural side it scores 45/100, with 1/100 of stress already active.

The market reads expansion — home values rose 5.6% year on year, and 18% higher over three years (phase confidence 37/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

At $117,500, median income runs above typical U.S. levels. 92% of housing is owner-occupied. Around 77% of renters are cost-burdened. The typical home is worth about $438,500 (3.5× income, relatively affordable). The ZIP holds roughly 989 housing units. The demographic-stress sub-score lands at 30/100. Around 50% of adults hold a bachelor's degree or higher. The vacancy rate is 3.9%. The poverty rate is 4.8% — low. About 2,458 people live here, median age 46.

Overall 03224 looks resilient on the surface, so the edge is isolating individual stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.