ZIP code 03445

ZIP 03445 is a very small community in Cheshire County, New Hampshire, with 699 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #215 of 246 ranked by population — larger than 12% of them. The median age here is 46.8 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 03445 earn a median of $95,625 a year, 21.8% above the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 4.1% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 03445 is valued at $210,600, 30.6% below the national figure, while median gross rent runs $1,150 a month, 18.2% below the national figure, or roughly $13,800 across a full year. A household on the local median income would put about 14.4% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 2.2×, against roughly 3.9× nationally, so purchase prices are unusually low against local pay, the pattern in places where supply is plentiful and wage growth has been flat. 93.5% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

With 699 residents, a handful of survey responses moves every median on this page. Compare ZIP 03445 against its county rather than against national figures.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 03445 is tabulated inside Cheshire County, New Hampshire, one of 25 ZIP areas the Census publishes for that county and 246 across New Hampshire. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 03445 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 03445 reports a median household income of $95,625, 7% above the $88,972 county median, and 3% above the $92,797 typical NH ZIP. Owner-occupied homes are valued at a median of $210,600, 24% below the county figure and 38% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,150 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

New Hampshire charges 0% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 03445.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 03445 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.