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Manchester city, NH

ZIP 03109 — 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 03109

Median Home Value
$350,000
Median Rent
$1,661
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,248/mo PITI).

18%
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.

17.6 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 03109 in Manchester city, NH, a household would need roughly $96,000 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 $2,248. That sits below the local median household income ($108,060), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
79.6%+22% vs US avg
x
Vacancy Rate
3.1%-70% vs US avg
x
Broadband Access
92.0%+6% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
8.1%-37% vs US avg
x
Built Post-2014
1.4%-80% vs US avg
x
Rent Burden >30%
15.1%-70% vs US avg
x
Mortgage-Free
29.4%-23% vs US avg
x
$350,000
Home Value
$1,661
Rent
1984
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 detached68.5%
  • 1-unit attached4.1%
  • 2-9 units9.3%
  • 10+ units13.9%
  • Mobile home & other4.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$350,000
Median rent$1,661
Owner-occupied79.6%
Vacant3.1%
Price-to-income3.2x
Est. income to buy$96,000