ZIP 03856 Foreclosure, Tax-Lien & Distress Report

DLRadar grades ZIP 03856 (Rockingham County, New Hampshire) at a low 25/100 for overall property distress. The split runs 55/100 structural to 5/100 active on the ground. Climate and flood risk are elevated too — 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).

The market reads peak — home values rose 4.3% year on year, and 37% higher over three years (phase confidence 29/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Owners hold 96% of homes, renters 4%. At $191,625, median income runs above typical U.S. levels. Population is roughly 2,010 with a median age of 44. The poverty rate is 1.8% — low. A median home runs $646,400 here, or 3.2 times local income. There are about 639 housing units across 03856. The vacancy rate is 1.6%. On demographic stress specifically, 03856 scores 20/100. Around 31% of renters are cost-burdened. About 67% have a four-year degree.

Overall, 03856 shows a mixed profile — neither uniformly stressed nor insulated — so opportunity is property-specific. No parcel file is published for 03856 yet, but every score above is drawn from a verifiable public dataset and refreshed as records post.

The number is not local guesswork: 03856's 25/100 comes from the same nationwide foreclosure, tax, mortgage and lender model, making it directly comparable anywhere. Every figure is auditable to a public dataset and refreshed on ingest; 03856 shows blanks, not estimates, wherever the record is sparse.

03856's headline rolls up several separately-scored signals, which is why two ZIPs can share a composite yet face very different distress. For a buyer, 03856 is one row in a larger workflow: confirm the score, pull the distressed parcels behind it, then move from signal to funded, closed acquisition through DLRadar.