ZIP 03234 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 03234 (Merrimack County, New Hampshire) at a minimal 13/100 for overall property distress. The split runs 27/100 structural to 1/100 active on the ground. It additionally carries heavy environmental risk: climate & FEMA risk (81/100). Its heaviest discrete signals: structural risk (27/100), construction/permit lag (8/100), mortgage stress (3/100). mortgage stress (3/100) and institutional ownership (3/100) stay muted.

Prices here sit in a peak phase: values rose 4.3% over the trailing year, and 20% higher over three years (phase confidence 29/100). Topping markets hide individual distress behind strong averages.

A median home runs $338,400 here, or 3.2 times local income. Rent burden reaches 44% of tenant households. Vacancy runs 1.4%. There are about 1,985 housing units across 03234. Owners hold 89% of homes, renters 11%. The demographic-stress sub-score lands at 25/100. 4,896 residents call 03234 home, typically aged 50. Households earn a median $92,623 — above the roughly $78,000 national figure. Around 39% of adults hold a bachelor's degree or higher. Roughly 4.2% live below the poverty line, a low share typical of higher-equity areas.

Overall 03234 looks resilient on the surface, so the edge is isolating individual stressed parcels. Parcel-level detail for 03234 is not published yet -- the ZIP-level readings above remain fully sourced.

No ZIP is too small to score: 03234 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 13/100 composite is a like-for-like number rather than an isolated estimate. Where the record is thin for 03234, the field stays empty rather than modeled, and fills in as new documents post.

Behind 03234'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. The point of the 03234 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.