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Mountain Lakes CDP, NH

ZIP 03785 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 03785

Median Home Value
$196,200
Median Rent
$913
Affordability Snapshot
$54,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,260/mo PITI).

19%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

17.9 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 03785 in Mountain Lakes CDP, 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.

Housing Tenure

Vacancy rate 41% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
55.0%-16% vs US avg
x
Vacancy Rate
41.3%+301% vs US avg
x
Broadband Access
74.0%-15% vs US avg
x
4+ Bedrooms
1.1%-92% vs US avg
x
Built Pre-1939
1.6%-88% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
17.4%-65% vs US avg
x
Mortgage-Free
24.5%-36% vs US avg
x
$196,200
Home Value
$913
Rent
1965
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 detached69.8%
  • 1-unit attached2.1%
  • 2-9 units9.9%
  • 10+ units10.9%
  • Mobile home & other7.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$196,200
Median rent$913
Owner-occupied55.0%
Vacant41.3%
Price-to-income3.5x
Est. income to buy$54,000