ZIP 03278 Foreclosure, Tax-Lien & Distress Report

Composite property distress in 03278 (Merrimack County, New Hampshire) lands at 13/100 — minimal on DLRadar's public-record scoring. Structural risk reads 25/100 against active distress of 1/100. The sharpest non-environmental signals are structural risk (25/100), mortgage stress (3/100), institutional ownership (3/100). institutional ownership (3/100) and construction/permit lag (2/100) stay muted. Environmental exposure also runs high (climate & FEMA risk (81/100)).

The peak-phase market in 03278 posted values that rose 4.3% over the year, and 29% higher over three years (phase confidence 29/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The ZIP holds roughly 1,492 housing units. The vacancy rate is 19.2% — elevated. Around 26% of renters are cost-burdened. Around 42% of adults hold a bachelor's degree or higher. A median home runs $356,900 here, or 3.3 times local income. Roughly 7.2% live below the poverty line, a low share typical of higher-equity areas. 76% of housing is owner-occupied. DLRadar's demographic-stress index for the area reads 26/100. Population is roughly 3,024 with a median age of 43. Median household income is $98,333, above the U.S. median near $78,000.

On the whole, 03278 leans distressed, with opportunity clustered in specific stressed parcels. No parcel file is published for 03278 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The 03278 read uses the identical public-record model applied coast to coast, which means its 13/100 score means exactly what it means anywhere else, and 03278 stays directly comparable to neighboring ZIPs and the rest of Merrimack County, New Hampshire. The score is rebuilt from public data as it updates, so 03278 reflects the current record instead of a stale or modeled snapshot.

Behind 03278'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. For an operator, 03278 is step one - verify, pull the parcels driving the score, and move straight through to a funded close.