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Keene city, NH

ZIP 03431 — 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 03431

Median Home Value
$233,900
Median Rent
$1,181
Affordability Snapshot
$64,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,503/mo PITI).

18%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

16.5 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 03431 in Keene city, 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.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
52.0%-21% vs US avg
x
Vacancy Rate
9.9%-4% vs US avg
x
Broadband Access
91.7%+5% vs US avg
x
4+ Bedrooms
3.9%-74% vs US avg
x
Built Pre-1939
4.4%-66% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
17.4%-65% vs US avg
x
Mortgage-Free
42.8%+12% vs US avg
x
$233,900
Home Value
$1,181
Rent
1960
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached49.6%
  • 1-unit attached3.8%
  • 2-9 units27.6%
  • 10+ units15.7%
  • Mobile home & other3.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$233,900
Median rent$1,181
Owner-occupied52.0%
Vacant9.9%
Price-to-income3.0x
Est. income to buy$64,000