Gilford, NH · standard
ZIP Code 03249
Belknap County, New Hampshire - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 7,113
- 71/sq mi Moderate-density area
- $116,635
- Median income Above-median income area
- $456,500
- Median home value Above-median home value
- 45.4%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Gilford pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 11%
- household income, US ZIPs
- Top 16%
- home value, US ZIPs
- 71
- people per sq mi
- 93%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 03249 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 03249 (Gilford, NH) rose +7.7% from 2023 to 2024. The all-transactions index moved from 330.0 in 2023 to 355.4 in 2024 (2000 = 100).
ZIP code 03249 is a mid-sized community (a standard USPS delivery area) in Gilford, Belknap County, New Hampshire, home to 7,113 residents across 100.6 square miles, a density of 71 people per square mile, in the New York time zone.
ZIP 03249 skews affluent, with a median household income of $116,635 (14% above the average New Hampshire ZIP), while per-capita income is $55,713. Both reported hardship measures are comparatively low in absolute terms: poverty is 6.2% and unemployment is 1.3%. Median home value is $456,500 (13% above the average New Hampshire ZIP) and median rent is $1,150; 93.1% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 45.4% of adults hold a bachelor's degree or higher, the median age is 48.2, and the average commute is 22 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Belknap County, so 03249 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 03249
Top 5 sectors by establishment count in Gilford, NH
Which industries have the most business establishments in ZIP 03249.
- Construction
Construction
44 establishments
- Health care and social assistance
Health care and social assistance
32 establishments
- Other services (except public administration)
Other services (except public administration)
32 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
29 establishments
- Retail trade
Retail trade
27 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 03249, Gilford, NH · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
7,113
Population
100.6
Area (sq mi)
71
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 03249?
48.2
Median Age
49.1%
Male
50.9%
Female
3.5%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$116,635
Median Household Income
+14% vs state ZIP avg
$55,713
Per Capita Income
6.2%
Poverty Rate
1.3%
Unemployment Rate
21.9 min
Mean Commute Time
How ZIP 03249 ranks among New Hampshire ZIPs
Gilford, NH household income vs. every New Hampshire ZIP code
Median household income among 236 reporting New Hampshire ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$116,635 Top 27% higher than 73% of 236 New Hampshire ZIPs
Each bar is a $20K-wide band; taller bars hold more New Hampshire ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
5,213housing units
5,213
Total Housing Units
3,044
Occupied Units
2,169
Vacant Units
2.57
Avg Household Size
Occupancy Type
$456,500
Median Home Value
+13% vs state ZIP avg
$1,150
Median Rent
1983
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+7.7%
YoY Change (2024)
355
HPI Index (2000 = 100)
+255%
Total Change Since 2000
Home values in ZIP 03249 have increased 7.7% over the past year (2024). Since 2000, this ZIP has seen +255% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +2.3% | 192 |
| 2021 | +21.5% | 233 |
| 2022 | +27.6% | 297 |
| 2023 | +11.2% | 330 |
| 2024 | +7.7% | 355 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 271 business establishments in ZIP 03249, employing approximately 2,731 people with a combined annual payroll of $153,659,000.
271
Businesses
2,731
Employees
$153.7M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 44 | 16.2% |
| Health care and social assistance | 32 | 11.8% |
| Other services (except public administration) | 32 | 11.8% |
| Professional, scientific, and technical services | 29 | 10.7% |
| Retail trade | 27 | 10.0% |
| Accommodation and food services | 26 | 9.6% |
| Real estate and rental and leasing | 15 | 5.5% |
| Finance and insurance | 13 | 4.8% |
| Administrative and support and waste management and remediation services | 11 | 4.1% |
| Manufacturing | 10 | 3.7% |
| Wholesale trade | 9 | 3.3% |
| Arts, entertainment, and recreation | 9 | 3.3% |
| Educational services | 6 | 2.2% |
| Transportation and warehousing | 5 | 1.9% |
| Information | 3 | 1.1% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 03249 vs 03246 →
ZIP 03249 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 03246
Laconia (03246)
15,963 residents
- 03220
Belmont (03220)
7,430 residents
- 03249
Gilford (03249)
7,113 residents
- 03253 6,219
Meredith (03253)
6,219 residents
- 03237 2,254
Gilmanton (03237)
2,254 residents
- 03810 1,538
Alton Bay (03810)
1,538 residents
- 03837 1,519
Gilmanton Iron Works (03837)
1,519 residents
- 03816 1,368
Center Tuftonboro (03816)
1,368 residents
- 03226 1,117
Center Harbor (03226)
1,117 residents
What this shows Among its immediate neighbors, ZIP 03249 ranks #3 by population - useful context the national average alone can't give.
ZIP 03249 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 03810
Alton Bay (03810)
$148,261 median income
- 03837
Gilmanton Iron Works (03837)
$119,712 median income
- 03249
Gilford (03249)
$116,635 median income
- 03237
Gilmanton (03237)
$111,359 median income
- 03226
Center Harbor (03226)
$107,500 median income
- 03853
Mirror Lake (03853)
$103,900 median income
- 03850
Melvin Village (03850)
$101,298 median income
- 03816
Center Tuftonboro (03816)
$88,971 median income
- 03253
Meredith (03253)
$84,719 median income
What this shows By household income, ZIP 03249 ranks #3 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 03246 | Laconia, NH | 15,963 | 4.7 mi |
| 03237 | Gilmanton, NH | 2,254 | 8.9 mi |
| 03810 | Alton Bay, NH | 1,538 | 5.6 mi |
| 03220 | Belmont, NH | 7,430 | 7.7 mi |
| 03253 | Meredith, NH | 6,219 | 7.6 mi |
| 03853 | Mirror Lake, NH | 602 | 7.7 mi |
| 03837 | Gilmanton Iron Works, NH | 1,519 | 9.8 mi |
| 03850 | Melvin Village, NH | 372 | 10.2 mi |
| 03816 | Center Tuftonboro, NH | 1,368 | 10.9 mi |
| 03226 | Center Harbor, NH | 1,117 | 11.9 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 03249, both outside NH so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (7,113 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Belknap County
Related Areas
Frequently Asked Questions
What county is ZIP code 03249 in?
ZIP code 03249 (Gilford) is located in Belknap County, New Hampshire. Belknap County contains multiple ZIP codes, see the full list at /counties/belknap-nh.
What is the population of ZIP code 03249?
ZIP code 03249 in Gilford, NH has a population of 7,113 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 03249?
The median household income in ZIP 03249 is $116,635, which is 53% above the national average of $76,288.
What is the average home value in ZIP 03249?
The median home value in ZIP 03249 is $456,500, which is 64% above the national average of $278,155.
What is the demographic makeup of ZIP 03249?
The largest racial group in ZIP 03249 is White at 89.6%. Hispanic or Latino residents make up 3.9% of the population.
How many businesses are in ZIP code 03249?
ZIP code 03249 has 271 business establishments employing approximately 2,731 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 03249?
The top industries by establishment count in ZIP 03249 are: Construction (44), Health care and social assistance (32), Other services (except public administration) (32). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 03249?
According to the FHFA House Price Index, home values in ZIP 03249 increased by 7.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 255%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 03249?
In ZIP code 03249, 68.5% of residents aged 25+ have a high school diploma or higher, and 45.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 03249?
The mean commute time for workers in ZIP code 03249 is 21.9 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 03249?
In ZIP code 03249, approximately 93.1% of occupied housing units are owner-occupied and 6.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 03249?
The poverty rate in ZIP code 03249 is 6.2% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 03249's numbers, next.
- See how ZIP 03249 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Gilford, NH ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.