ZIP 03860 Property Distress & Foreclosure Data

In Carroll County, New Hampshire, ZIP 03860 scores 23 of 100 for composite distress, a low level on DLRadar's public-record index. Its standout signals are structural risk (49/100), institutional ownership (43/100), mortgage stress (24/100). By contrast, mortgage stress (24/100) and construction/permit lag (14/100) register low. The latent-versus-live split is 49/100 structural and 7/100 already moving. It additionally carries heavy environmental risk: climate & FEMA risk (72/100), flood (NFIP) exposure (71/100).

The market reads peak — home values rose 4.7% year on year, and 3% higher over three years (phase confidence 39/100). Topping markets hide individual distress behind strong averages.

At $81,771, median income runs near typical U.S. levels. The demographic-stress sub-score lands at 30/100. Around 40% of adults hold a bachelor's degree or higher. Around 18% of renters are cost-burdened. The vacancy rate is 38.6% — elevated. About 3,780 people live here, median age 56. The poverty rate is 9.6%. 62% of housing is owner-occupied. The typical home is worth about $401,500 (4.0× income). The ZIP holds roughly 3,281 housing units.

Net-net, 03860 is a working-distress ZIP — the kind that rewards current, parcel-level intelligence. Every signal above traces to a verifiable public dataset, refreshed continuously and scored the same way in every ZIP nationwide.