ZIP 03864 vs ZIP 03882

This side-by-side compares ZIP 03864 (Ossipee, NH) and ZIP 03882 (Effingham, NH) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 03864 has a population of 1,696 at 19 people per square mile, while ZIP 03882 has 1,465 at 15 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 03864 reports a median household income of $104,485 against $76,607 in ZIP 03882, with per-capita income of $57,569 vs $38,192. The share of adults holding a bachelor's degree or higher is 18.9% in 03864 and 20.3% in 03882. Poverty rate reads 13.2% vs 9.0%, and unemployment 1.6% vs 5.5% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $328,200 in 03864 versus $322,700 in 03882, with median rent of $939 and $1,090 per month respectively. Homeownership rate is 96.7% vs 90.2%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.