ZIP 03242 Foreclosure, Tax-Lien & Distress Report

Merrimack County, New Hampshire's ZIP 03242 registers 13/100 composite distress, which DLRadar reads as minimal. What sets it apart are the readings on structural risk (25/100), mortgage stress (3/100), institutional ownership (3/100). By contrast, institutional ownership (3/100) and construction/permit lag (2/100) register low. Structural exposure scores 25 and live distress 1 on the 0–100 scale. It additionally carries heavy environmental risk: climate & FEMA risk (81/100).

The market reads peak — home values rose 4.3% year on year, and 20% higher over three years (phase confidence 29/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Vacancy runs 7.8%. 63% of housing is owner-occupied. Median household income is $87,344, near the U.S. median near $78,000. The ZIP holds roughly 2,305 housing units. About 6,161 people live here, median age 29. Educational attainment sits at 42% bachelor's-or-above. The poverty rate is 12.2%. On demographic stress specifically, 03242 scores 31/100. Rent burden reaches 48% of tenant households. The typical home is worth about $356,700 (3.6× income, relatively affordable).

Overall 03242 looks resilient on the surface, so the edge is isolating individual stressed parcels. There is no property file for 03242 at the moment; the composite and its components are still built from verifiable public records.

Because one deterministic model scores every ZIP, 03242's 13/100 can be lined up against any neighbor in Merrimack County, New Hampshire or any ZIP coast to coast. Nothing here is interpolated — where a source is thin for 03242, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

The 13/100 figure for 03242 is a composite, not one metric: it rolls up foreclosure and pre-foreclosure activity, mortgage stress, tax delinquency and liens, local lender headwind, and structural risk into a single reading, which is why a ZIP can look calm on price yet score high on distress. For a buyer, 03242 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.