ZIP 03846 Property Distress & Foreclosure Data

ZIP code 03846 in Carroll County, New Hampshire carries a composite property-distress score of 23/100 — a low reading on DLRadar's deterministic public-record index. What sets it apart are the readings on structural risk (49/100), institutional ownership (43/100), mortgage stress (24/100). On the quiet end sit mortgage stress (24/100) and construction/permit lag (14/100). Environmental exposure also runs high (climate & FEMA risk (72/100), flood (NFIP) exposure (71/100)). The latent-versus-live split is 49/100 structural and 7/100 already moving.

The peak-phase market in 03846 posted values that rose 4.7% over the year, and 33% higher over three years (phase confidence 39/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 995 housing units. 9.4% of residents fall below the poverty threshold. Educational attainment sits at 61% bachelor's-or-above. Population is roughly 1,043 with a median age of 58. Median household income is $89,583, above the U.S. median near $78,000. Home values center near $719,300, an affordability ratio of 7.5× — stretched. Around 64% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 46/100. The vacancy rate is 51.8% — elevated. Owners hold 78% of homes, renters 22%.

On the whole, 03846 leans distressed, with opportunity clustered in specific stressed parcels. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.