ZIP Code 03278 — Warner CDP, NH Demographics & Data

ZIP code 03278 covers Warner, NH in Merrimack County with a population of about 3,024.

At a glance, the area shows median age of 43.4 versus a U.S. median of about 38.9.

It sits in telephone area code 603; U.S. House district NH-2; the BOSTON (MANCHESTER) media market.

Warner, NH sits in a university / college context (near magdalen college (0.4 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 03278 is about $98,333 — about 31% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.2%; unemployment rate near 1.4%; 41.7% of adults with a bachelor’s degree or higher (about 8.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Education, and Healthcare; about 15.7% of workers reporting work-from-home (roughly in line with 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 $322,900 — about 7% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,077 (about 7% below the U.S. median rent ($1,163)), and owner-occupancy near 75.5% (about 10.1 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 03278 in Warner, NH, a household would need roughly $89,000 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 $2,074. That is roughly in line with the local median household income ($98,333). 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 Warner CDP, NH as Relatively Low (composite score 78.2), which is elevated versus much of the country. The strongest component scores on US5 are flood (85.8) and hurricane (84.8). 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 Warner CDP, NH show little to no average snow and around 48.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 142 for ZIP 03278 (Warner CDP, 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.