ZIP Code 03860 — North Conway CDP, NH Demographics & Data

ZIP code 03860 covers North Conway, NH in Carroll County with a population of about 3,780.

At a glance, the area shows median age of 55.5 versus a U.S. median of about 38.9.

It sits in telephone area code 603; U.S. House district NH-1; the PORTLAND - AUBURN media market.

North Conway, NH fits a retirement-oriented profile (high share of residents 65+ (35.0%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 03860 is about $81,771 — about 9% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.6%; unemployment rate near 2.8%; 40.3% of adults with a bachelor’s degree or higher (about 6.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Retail trade, and Professional services; about 4.5% of workers reporting work-from-home (about 10.7 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 $328,500 — about 6% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $954 (about 18% below the U.S. median rent ($1,163)), and owner-occupancy near 62.0% (about 3.4 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 03860 in North Conway, NH, a household would need roughly $90,000 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 $2,110. That is roughly in line with the local median household income ($81,771). 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 North Conway CDP, NH as Relatively Low (composite score 71.0), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (86.4) and flood (82.0). 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 North Conway CDP, NH show little to no average snow and around 50.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 177 for ZIP 03860 (North Conway 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.