PlainZIP

Warner, NH · standard

ZIP Code 03278

Merrimack County, New Hampshire - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

2,952
18/sq mi
$94,783
Median income
$356,900
Median home value
41.6%
Bachelor's or higher

The verdict

Warner pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 23%
household income, US ZIPs
Top 25%
home value, US ZIPs
18
people per sq mi
76%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 03278 against every reporting US ZIP.

ZIP code 03278 covers 160.4 square miles in Warner, Merrimack County, New Hampshire (a standard USPS delivery area), with a modest 2,952 residents on file, a density of 18 people per square mile, in the New York time zone.

ZIP 03278 lands in the middle-income range, with a median household income of $94,783 (7% below the New Hampshire average), while per-capita income is $59,983. The poverty rate stands at 7.8% and the unemployment rate at 1.3%. On housing, the median home value is $356,900 (12% below the state average) with median rent at $1,209 per month, and 76.0% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 41.6% of adults hold a bachelor's degree or higher, the median age is 44.3, and the average commute is 32 minutes. Beyond these figures, 7 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Merrimack County, letting you compare 03278 to its immediate surroundings rather than a national baseline alone.

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 03278

Top 5 sectors by establishment count in Warner, NH

Which industries have the most business establishments in ZIP 03278.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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 03278, Warner, 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

2,952

Population

160.4

Area (sq mi)

18

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 03278?

44.3

Median Age

50.0%

Male

50.0%

Female

3.0%

Foreign-Born

White 92.4%
African American 0.2%
Asian 0.6%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.6%
Hispanic or Latino 1.7%

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?

$94,783

Median Household Income

-7% vs state

$59,983

Per Capita Income

7.8%

Poverty Rate

1.3%

Unemployment Rate

31.7 min

Mean Commute Time

How ZIP 03278 ranks nationally

Warner, NH household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$94,783 Top 23% higher than 77% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 65.8%
Bachelor's Degree or Higher 41.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

1,492

Total Housing Units

1,248

Occupied Units

244

Vacant Units

2.39

Avg Household Size

Occupancy Type

Owner 76.0%
Renter 24.0%

$356,900

Median Home Value

-12% vs state

$1,209

Median Rent

1975

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

+16.1%

YoY Change (2024)

274

HPI Index (2000 = 100)

+174%

Total Change Since 2000

Home values in ZIP 03278 have increased 16.1% over the past year (2024). Since 2000, this ZIP has seen +174% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.2% 163
2021 +15.2% 188
2022 +14.2% 215
2023 +9.5% 235
2024 +16.1% 274

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 71 business establishments in ZIP 03278, employing approximately 915 people with a combined annual payroll of $42,867,000.

71

Businesses

915

Employees

$42.9M

Annual Payroll

11

Industry Sectors

Industry Establishments % of Total
Construction 12 16.9%
Retail trade 8 11.3%
Accommodation and food services 7 9.9%
Other services (except public administration) 7 9.9%
Administrative and support and waste management and remediation services 6 8.4%
Manufacturing 5 7.0%
Professional, scientific, and technical services 5 7.0%
Health care and social assistance 5 7.0%
Wholesale trade 4 5.6%
Educational services 3 4.2%
Arts, entertainment, and recreation 3 4.2%

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 03278 vs 03273 →

ZIP 03278 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 03278 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 03278 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 03278 ranks #8 of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
03273 South Sutton, NH 312 5.3 mi
03242 Henniker, NH 4,836 8.3 mi
03260 North Sutton, NH 809 6.4 mi
03268 Salisbury, NH 1,272 7.3 mi
03221 Bradford, NH 2,091 7.4 mi
03229 Contoocook, NH 5,589 9.3 mi
03233 Elkins, NH 115 10.6 mi

More ZIP Codes in Merrimack County

03301 standard
Concord, NH
Pop: 33,008
03303 standard
Concord, NH
Pop: 15,524
03106 standard
Hooksett, NH
Pop: 13,374
03275 standard
Suncook, NH
Pop: 11,437
03235 standard
Franklin, NH
Pop: 8,562
03276 standard
Tilton, NH
Pop: 8,324

Related Areas

Merrimack County Warner, NH New Hampshire

Frequently Asked Questions

What county is ZIP code 03278 in? ▼
ZIP code 03278 (Warner) is located in Merrimack County, New Hampshire. Merrimack County contains multiple ZIP codes, see the full list at /counties/merrimack-nh.
What is the population of ZIP code 03278? ▼
ZIP code 03278 in Warner, NH has a population of 2,952 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 03278? ▼
The median household income in ZIP 03278 is $94,783, which is 24% above the national average of $76,288.
What is the average home value in ZIP 03278? ▼
The median home value in ZIP 03278 is $356,900, which is 28% above the national average of $278,155.
What is the demographic makeup of ZIP 03278? ▼
The largest racial group in ZIP 03278 is White at 92.4%. Hispanic or Latino residents make up 1.7% of the population.
How many businesses are in ZIP code 03278? ▼
ZIP code 03278 has 71 business establishments employing approximately 915 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 03278? ▼
The top industries by establishment count in ZIP 03278 are: Construction (12), Retail trade (8), Accommodation and food services (7). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 03278? ▼
According to the FHFA House Price Index, home values in ZIP 03278 increased by 16.1% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 174%. 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 03278? ▼
In ZIP code 03278, 65.8% of residents aged 25+ have a high school diploma or higher, and 41.6% 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 03278? ▼
The mean commute time for workers in ZIP code 03278 is 31.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 03278? ▼
In ZIP code 03278, approximately 76.0% of occupied housing units are owner-occupied and 24.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 03278? ▼
The poverty rate in ZIP code 03278 is 7.8% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.