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Belmont CDP, NH

ZIP 03220 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 03220

Median Home Value
$265,000
Median Rent
$931
Affordability Snapshot
$73,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,702/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.4x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

23.7 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 03220 in Belmont CDP, NH, a household would need roughly $73,000 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 $1,702. That is roughly in line with the local median household income ($78,151). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 17% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
82.8%+27% vs US avg
x
Vacancy Rate
16.8%+63% vs US avg
x
Broadband Access
89.6%+3% vs US avg
x
4+ Bedrooms
1.9%-87% vs US avg
x
Built Pre-1939
2.9%-77% vs US avg
x
Built Post-2014
0.9%-87% vs US avg
x
Rent Burden >30%
24.5%-51% vs US avg
x
Mortgage-Free
43.5%+14% vs US avg
x
$265,000
Home Value
$931
Rent
1983
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached65.7%
  • 1-unit attached1.2%
  • 2-9 units7.5%
  • 10+ units1.1%
  • Mobile home & other24.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$265,000
Median rent$931
Owner-occupied82.8%
Vacant16.8%
Price-to-income3.4x
Est. income to buy$73,000