ZIP 03242 Property Distress & Foreclosure Data

ZIP code 03242 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. On the structural side it scores 45/100, with 1/100 of stress already active. It additionally carries heavy environmental risk: climate & FEMA risk (81/100).

The market reads expansion — home values rose 5.6% year on year, and 20% higher over three years (phase confidence 37/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 7.8%. 63% of housing is owner-occupied. At $87,344, median income runs near typical U.S. levels. The ZIP holds roughly 2,305 housing units. About 6,161 people live here, median age 29. Around 42% of adults hold a bachelor's degree or higher. The poverty rate is 12.2%. The demographic-stress sub-score lands at 31/100. Around 48% of renters are cost-burdened. 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. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.