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Portsmouth city, NH

ZIP 03801 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 03801

Median Home Value
$647,500
Median Rent
$1,658
Affordability Snapshot
$178,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,159/mo PITI).

19%
Rent-to-Income Ratio

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

6.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

32.5 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 03801 in Portsmouth city, NH, a household would need roughly $178,000 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 $4,159. That is about 67% above the local median household income ($106,520), so the median earner would likely stretch or need a larger down payment. 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
53.1%-19% vs US avg
x
Vacancy Rate
4.8%-53% vs US avg
x
Broadband Access
93.8%+8% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
6.0%-54% vs US avg
x
Built Post-2014
0.7%-89% vs US avg
x
Rent Burden >30%
13.6%-73% vs US avg
x
Mortgage-Free
38.4%+0% vs US avg
x
$647,500
Home Value
$1,658
Rent
1959
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 detached41.1%
  • 1-unit attached9.0%
  • 2-9 units29.3%
  • 10+ units18.6%
  • Mobile home & other1.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$647,500
Median rent$1,658
Owner-occupied53.1%
Vacant4.8%
Price-to-income6.1x
Est. income to buy$178,000