ZIP Code 03785 — Mountain Lakes CDP, NH Demographics & Data

ZIP code 03785 covers Mountain Lakes, NH in Grafton County with a population of about 2,141.

At a glance, the area shows median age of 37.8 (near the U.S. median).

It sits in telephone area code 603; U.S. House district NH-2; the BURLINGTON - PLATTSBURGH media market.

Median household income in ZIP 03785 is about $56,449 — about 25% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.4%; unemployment rate near 2.0%; 17.1% of adults with a bachelor’s degree or higher (about 16.6 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Other services, and Education; about 3.1% of workers reporting work-from-home (about 12.1 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 $196,200 — about 44% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $913 (about 21% below the U.S. median rent ($1,163)), and owner-occupancy near 55.0% (about 10.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 03785 in Mountain Lakes, NH, a household would need roughly $54,000 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 $1,260. That is roughly in line with the local median household income ($56,449). 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 Mountain Lakes CDP, NH as Relatively Moderate (composite score 81.8), which is elevated versus much of the country. The strongest component scores on US5 are flood (90.1) and hurricane (78.5). 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 Mountain Lakes CDP, NH show little to no average snow and around 41.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 100 for ZIP 03785 (Mountain Lakes CDP, 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.