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Manchester city, NH

ZIP 03102 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 03102

Median Home Value
$309,400
Median Rent
$1,307
Affordability Snapshot
$85,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,988/mo PITI).

22%
Rent-to-Income Ratio

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

4.4x
Home Price-to-Income Ratio

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

19.7 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 03102 in Manchester city, NH, a household would need roughly $85,000 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 $1,988. That is about 22% above the local median household income ($69,927), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
39.3%-40% vs US avg
x
Vacancy Rate
4.8%-53% vs US avg
x
Broadband Access
90.3%+4% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
6.0%-53% vs US avg
x
Built Post-2014
0.2%-98% vs US avg
x
Rent Burden >30%
18.3%-63% vs US avg
x
Mortgage-Free
32.5%-15% vs US avg
x
$309,400
Home Value
$1,307
Rent
1967
Year Built
2016
Moved In

Residents have lived here since ~2016 on average

Housing Structure

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

  • 1-unit detached26.1%
  • 1-unit attached4.1%
  • 2-9 units35.7%
  • 10+ units33.9%
  • Mobile home & other0.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$309,400
Median rent$1,307
Owner-occupied39.3%
Vacant4.8%
Price-to-income4.4x
Est. income to buy$85,000