ZIP 03276 Foreclosure, Tax-Lien & Distress Report

Merrimack County, New Hampshire's ZIP 03276 registers 12/100 composite distress, which DLRadar reads as minimal. It additionally carries heavy environmental risk: climate & FEMA risk (75/100). The most distinctive pressure shows up in structural risk (25/100), construction/permit lag (8/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. Latent structural risk is 25/100 while live distress already moving reads 1/100.

The market reads peak — home values rose 4.3% year on year, and 25% higher over three years, at 29/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $272,700, an affordability ratio of 3.1× — accessible. Around 30% of renters are cost-burdened. About 9,046 people live here, median age 45. There are about 4,030 housing units across 03276. Roughly 9.8% live below the poverty line. The demographic-stress sub-score lands at 28/100. The vacancy rate is 12.3% — elevated. Educational attainment sits at 26% bachelor's-or-above. 69% of housing is owner-occupied. Households earn a median $79,270 — near the roughly $78,000 national figure.

On the whole, 03276 leans distressed, with opportunity clustered in specific stressed parcels. 03276 has no individual parcels listed at present; the signals above still come from the same audited public sources used nationwide.

The number is not local guesswork: 03276's 12/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. The score is rebuilt from public data as it updates, so 03276 reflects the current record instead of a stale or modeled snapshot.

The 12/100 figure for 03276 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. Practically, 03276 works as a screen — verify the reading, drill to the specific parcels driving it, and carry the deal through capital and closing on the platform.