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, NH

ZIP 03861 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 03861

Median Home Value
$449,300
Median Rent
$1,061
Affordability Snapshot
$124,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,886/mo PITI).

9%
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.

35.3 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 03861 in NH, a household would need roughly $124,000 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 $2,886. That sits below the local median household income ($140,321), 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

Vacancy rate 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
95.1%+45% vs US avg
x
Vacancy Rate
12.0%+17% vs US avg
x
Broadband Access
93.1%+7% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
1.0%-92% vs US avg
x
Built Post-2014
2.1%-70% vs US avg
x
Rent Burden >30%
25.9%-48% vs US avg
x
Mortgage-Free
39.5%+3% vs US avg
x
$449,300
Home Value
$1,061
Rent
1985
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached79.7%
  • 1-unit attached8.0%
  • 2-9 units5.0%
  • 10+ units1.1%
  • Mobile home & other6.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$449,300
Median rent$1,061
Owner-occupied95.1%
Vacant12.0%
Price-to-income3.2x
Est. income to buy$124,000