ZIP 03257 Property Distress & Foreclosure Data

In Merrimack County, New Hampshire, ZIP 03257 scores 20 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are 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 (80/100). 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 11% higher over three years (phase confidence 37/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The demographic-stress sub-score lands at 28/100. About 4,503 people live here, median age 45. Around 65% of adults hold a bachelor's degree or higher. Around 24% of renters are cost-burdened. The poverty rate is 2.7% — low. The typical home is worth about $559,000 (5.2× income). At $89,750, median income runs above typical U.S. levels. The vacancy rate is 32.0% — elevated. The ZIP holds roughly 2,409 housing units. 87% of housing is owner-occupied.

Net-net, 03257 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.