ZIP 03861 Foreclosure, Tax-Lien & Distress Report

In Strafford County, New Hampshire, ZIP 03861 scores 22 of 100 for composite distress, a low level on DLRadar's distress index. The latent-versus-live split is 51/100 structural and 2/100 already moving. It additionally carries heavy environmental risk: flood (NFIP) exposure (70/100), climate & FEMA risk (68/100). The pressure is most legible in construction/permit lag (68/100), structural risk (51/100), institutional ownership (16/100). institutional ownership (16/100) and mortgage stress (7/100) stay muted.

The market reads peak — home values rose 4.3% year on year, and 28% higher over three years (phase confidence 29/100). At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

Home values center near $480,600, an affordability ratio of 3.2× — accessible. 2.3% of residents fall below the poverty threshold. Owners hold 95% of homes, renters 5%. DLRadar's demographic-stress index for the area reads 22/100. Vacancy runs 12.0%, above the national norm and a classic distress-and-opportunity signal. The ZIP holds roughly 1,773 housing units. Population is roughly 4,558 with a median age of 43. At $140,321, median income runs above typical U.S. levels. Rent burden reaches 34% of tenant households. Educational attainment sits at 53% bachelor's-or-above.

Taken together, 03861 profiles as an active-distress market where motivated-seller and below-market acquisitions concentrate. While 03861 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

No ZIP is too small to score: 03861 passes through the same foreclosure, tax, mortgage and bank-stress model as any major-metro ZIP, so its 22/100 composite is a like-for-like number rather than an isolated estimate. 03861 carries no interpolated values - each figure ties to a public source and refreshes the moment new records land.

03861's score blends several independent layers — foreclosure and mortgage stress, tax and lien delinquency, bank headwind and structural exposure — into one 0–100 number, so understanding the components matters as much as the headline for anyone screening the ZIP. For a buyer, 03861 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.