ZIP 03864 Property Distress & Foreclosure Data

ZIP code 03864 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). The latent-versus-live split is 49/100 structural and 7/100 already moving. Environmental exposure also runs high (climate & FEMA risk (72/100), flood (NFIP) exposure (71/100)).

The peak-phase market in 03864 posted values that rose 4.7% over the year, and 44% higher over three years (phase confidence 39/100). Near a top, distress surfaces unevenly, so parcel screening beats headline strength.

Median household income is $64,744, below the U.S. median near $78,000. Around 59% of renters are cost-burdened. DLRadar's demographic-stress index for the area reads 36/100. Educational attainment sits at 19% bachelor's-or-above. 15.7% of residents fall below the poverty threshold. Owners hold 91% of homes, renters 9%. Home values center near $328,200, an affordability ratio of 3.9× — accessible. Population is roughly 2,047 with a median age of 59. The ZIP holds roughly 954 housing units. The vacancy rate is 26.2% — elevated.

On the whole, 03864 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.