ZIP Code 03246 — Laconia city, NH Demographics & Data

ZIP code 03246 covers Laconia, NH in Belknap County with a population of about 17,006.

At a glance, the area shows median age of 45.0 versus a U.S. median of about 38.9.

It sits in telephone area code 603; U.S. House district NH-1; the BOSTON (MANCHESTER) media market.

Median household income in ZIP 03246 is about $68,407 — about 9% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 12.1%; unemployment rate near 3.9%; 25.3% of adults with a bachelor’s degree or higher (about 8.4 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 9.4% of workers reporting work-from-home (about 5.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $307,800 — about 12% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,076 (about 7% below the U.S. median rent ($1,163)), and owner-occupancy near 62.9% (about 2.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 03246 in Laconia, 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 $1,977. That is about 24% above the local median household income ($68,407), 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.

FEMA’s National Risk Index rates natural-hazard risk for Laconia city, NH as Relatively Low (composite score 57.4), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (78.4) and flood (70.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Laconia city, NH show little to no average snow and around 45.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 798 for ZIP 03246 (Laconia city, NH) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.