ZIP 03854 Foreclosure, Tax-Lien & Distress Report

Rockingham County, New Hampshire's ZIP 03854 registers 25/100 composite distress, which DLRadar reads as low. The split runs 55/100 structural to 5/100 active on the ground. It additionally carries heavy environmental risk: flood (NFIP) exposure (95/100), climate & FEMA risk (88/100). The most distinctive pressure shows up in structural risk (55/100), institutional ownership (44/100), mortgage stress (18/100). On the quiet end sit mortgage stress (18/100).

Prices here sit in a peak phase: values rose 4.3% over the trailing year, and 4% lower over three years (phase confidence 29/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

The ZIP holds roughly 466 housing units. About 71% have a four-year degree. 92% of housing is owner-occupied. Vacancy runs 15.1%, above the national norm and a classic distress-and-opportunity signal. Home values center near $1,701,300, an affordability ratio of 8.3× — stretched. On demographic stress specifically, 03854 scores 31/100. Median household income is $193,558, above the U.S. median near $78,000. Rent burden reaches 0% of tenant households. About 948 people live here, median age 57. The poverty rate is 3.7% — low.

Taken together, 03854 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. Parcel-level detail for 03854 is not published yet -- the ZIP-level readings above remain fully sourced to public records.

Because one deterministic model scores every ZIP, 03854's 25/100 can be lined up against any neighbor in Rockingham County, New Hampshire or any ZIP coast to coast. The score is rebuilt from public data as it updates, so 03854 reflects the current record instead of a stale or modeled snapshot.

The 25/100 for 03854 sums independent layers - foreclosure, mortgage, tax-lien, lender headwind and structural risk - so the mix behind the number matters as much as the number. The point of the 03854 score is action: it tells you whether to open the ZIP, and DLRadar takes it from there to parcels, funding and close.