ZIP 03838 Property Distress & Foreclosure Data

In Carroll County, New Hampshire, ZIP 03838 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Climate and flood risk are elevated too — climate & FEMA risk (72/100), flood (NFIP) exposure (71/100). Its standout signals are structural risk (49/100), institutional ownership (43/100), mortgage stress (24/100). mortgage stress (24/100) and construction/permit lag (14/100) stay muted. Structural risk reads 49/100 against active distress of 7/100.

Prices here sit in a peak phase: values rose 4.7% over the trailing year, at 39/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The tenure split is 66% owner-occupied to 34% rented. Vacancy runs 69.7%, above the national norm and a classic distress-and-opportunity signal. A median home runs $407,000 here, or 5.9 times local income. About 33% have a four-year degree. 1,152 residents call 03838 home, typically aged 57. Households earn a median $68,050 — below the roughly $78,000 national figure. Rent burden reaches 60% of tenant households. There are about 1,604 housing units across 03838. Roughly 10.3% live below the poverty line. On demographic stress specifically, 03838 scores 46/100.

Taken together, 03838 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.