ZIP Code 03104 — Manchester city, NH Demographics & Data

ZIP code 03104 covers Manchester, NH in Hillsborough County with a population of about 35,274.

At a glance, the area shows median age of 37.2 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.

Manchester, NH sits in a university / college context (near southern new hampshire university (2.1 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 03104 is about $84,513 — about 12% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.6%; unemployment rate near 3.4%; 43.5% of adults with a bachelor’s degree or higher (about 9.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Retail trade; about 14.7% 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 $364,200 — about 5% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,292 (about 11% above the U.S. median rent ($1,163)), and owner-occupancy near 57.0% (about 8.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 03104 in Manchester, NH, a household would need roughly $100,000 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 $2,340. That is about 18% above the local median household income ($84,513), 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 Manchester city, NH as Relatively Moderate (composite score 89.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (92.6) and hurricane (92.6). 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 Manchester city, NH show little to no average snow and around 42.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,655 for ZIP 03104 (Manchester 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.