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Amherst CDP, NH

ZIP 03031 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 03031

Median Home Value
$491,400
Median Rent
$1,386
Affordability Snapshot
$135,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,157/mo PITI).

11%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.2x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

29.5 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 03031 in Amherst CDP, NH, a household would need roughly $135,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,157. That sits below the local median household income ($155,125), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
91.0%+39% vs US avg
x
Vacancy Rate
0.4%-96% vs US avg
x
Broadband Access
97.8%+12% vs US avg
x
4+ Bedrooms
7.2%-52% vs US avg
x
Built Pre-1939
1.5%-89% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
20.1%-60% vs US avg
x
Mortgage-Free
35.4%-7% vs US avg
x
$491,400
Home Value
$1,386
Rent
1977
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached88.2%
  • 1-unit attached5.2%
  • 2-9 units4.7%
  • 10+ units1.4%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$491,400
Median rent$1,386
Owner-occupied91.0%
Vacant0.4%
Price-to-income3.2x
Est. income to buy$135,000