ZIP 03870 Foreclosure, Tax-Lien & Distress Report

ZIP 03870's composite property-distress score is 25/100 - DLRadar classes that as low for Rockingham County, New Hampshire. 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). By contrast, mortgage stress (18/100) register low. Latent structural risk is 55/100 while live distress already moving reads 5/100.

The peak-phase market in 03870 posted values that rose 4.3% over the year, and 21% higher over three years, at 29/100 phase confidence. At a peak the opportunity is selective — specific stressed parcels, not a broad discount.

The typical home is worth about $990,700 (7.3× income, severely stretched). On demographic stress specifically, 03870 scores 38/100. Population is roughly 5,092 with a median age of 54. Rent burden reaches 43% of tenant households. The ZIP holds roughly 2,719 housing units. Roughly 6.8% live below the poverty line, a low share typical of higher-equity areas. The tenure split is 80% owner-occupied to 20% rented. Educational attainment sits at 58% bachelor's-or-above. Vacancy runs 18.2%, above the national norm and a classic distress-and-opportunity signal. Median household income is $127,772, above the U.S. median near $78,000.

On the whole, 03870 leans distressed, with opportunity clustered in specific stressed parcels. While 03870 carries no listed distressed parcels today, each signal above ties back to a public dataset on the same national scale.

Whether 03870 runs hot or quiet, its 25/100 composite is built the same deterministic way as every ZIP in the country — from recorded foreclosure, mortgage, tax-lien, climate and lender signals — so 03870 can be compared directly against any other ZIP in Rockingham County, New Hampshire or nationwide. Nothing here is interpolated — where a source is thin for 03870, DLRadar leaves it blank rather than guessing, and re-scores as new records post.

Each component behind 03870 - foreclosure, mortgage stress, tax and lien delinquency, lender pullback, structural exposure - is graded on its own before the 25/100 roll-up. Treat 03870 as a screen: confirm the composite, open the distressed parcels beneath it, and run the deal to funding and close on DLRadar.