ZIP 03431 Property Distress & Foreclosure Data

ZIP code 03431 in Cheshire County, New Hampshire carries a composite property-distress score of 15/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on construction/permit lag (46/100), structural risk (32/100), mortgage stress (4/100). By contrast, mortgage stress (4/100) and institutional ownership (3/100) register low. It additionally carries heavy environmental risk: climate & FEMA risk (65/100). The latent-versus-live split is 32/100 structural and 1/100 already moving.

The market reads expansion — home values rose 5.6% year on year, and 25% higher over three years (phase confidence 37/100). Appreciation rarely lifts every parcel — the laggards are the opportunity.

The vacancy rate is 9.9%. The typical home is worth about $255,500 (3.0× income, relatively affordable). The poverty rate is 9.8%. Around 41% of adults hold a bachelor's degree or higher. The ZIP holds roughly 11,503 housing units. About 25,035 people live here, median age 37. At $78,196, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 27/100. Around 30% of renters are cost-burdened. 52% of housing is owner-occupied.

Overall 03431 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.