US5.com
  1. Home
  2. States
  3. New Hampshire
  4. ZIP 03740
  5. Housing & Real Estate
Mountain Lakes CDP, NH

ZIP 03740 — 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 03740

Median Home Value
$219,200
Median Rent
$844
Affordability Snapshot
$60,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,408/mo PITI).

14%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

21.6 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 03740 in Mountain Lakes CDP, NH, a household would need roughly $60,000 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 $1,408. That sits below the local median household income ($70,298), 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

Vacancy rate 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
89.3%+37% vs US avg
x
Vacancy Rate
13.3%+29% vs US avg
x
Broadband Access
83.7%-4% vs US avg
x
4+ Bedrooms
2.2%-85% vs US avg
x
Built Pre-1939
1.2%-91% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
61.6%+61% vs US avg
x
$219,200
Home Value
$844
Rent
1976
Year Built
2003
Moved In

Residents have lived here since ~2003 on average

Housing Structure

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

  • 1-unit detached80.4%
  • 1-unit attached0.8%
  • 2-9 units3.0%
  • 10+ units0.0%
  • Mobile home & other15.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$219,200
Median rent$844
Owner-occupied89.3%
Vacant13.3%
Price-to-income3.1x
Est. income to buy$60,000