ZIP Code 03431 — Keene city, NH Demographics & Data

ZIP code 03431 covers Keene, NH in Cheshire County with a population of about 25,035.

At a glance, the area shows median age of 36.8 versus a U.S. median of about 38.9.

It sits in telephone area code 603; U.S. House district NH-2; the BOSTON (MANCHESTER) media market.

Keene, NH sits in a university / college context (near antioch university-new england (2.3 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 03431 is about $78,196 — about 4% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.8%; unemployment rate near 1.6%; 41.4% of adults with a bachelor’s degree or higher (about 7.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 12.6% of workers reporting work-from-home (about 2.6 points below 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 $233,900 — about 33% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,181 (about even with the U.S. median rent ($1,163)), and owner-occupancy near 52.0% (about 13.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 03431 in Keene, NH, a household would need roughly $64,000 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 $1,503. That sits below the local median household income ($78,196), 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.

FEMA’s National Risk Index rates natural-hazard risk for Keene city, NH as Relatively Low (composite score 60.5), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (76.1) and flood (74.8). 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 Keene city, NH show little to no average snow and around 46.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,175 for ZIP 03431 (Keene 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.