Keene, NH · standard
ZIP Code 03431
Cheshire County, New Hampshire - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 25,280
- 164/sq mi High-density area
- $79,541
- Median income Near-median income area
- $255,500
- Median home value Near-median home value
- 41.9%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Keene pairs an above-median household income with above-median home values, in a rural, mixed-tenure area.
- Top 39%
- household income, US ZIPs
- Top 41%
- home value, US ZIPs
- 164
- people per sq mi
- 56%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 03431 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 03431 (Keene, NH) rose +6.6% from 2023 to 2024. The all-transactions index moved from 257.0 in 2023 to 273.9 in 2024 (2000 = 100).
ZIP code 03431 is a densely settled ZIP (a standard USPS delivery area) in Keene, Cheshire County, New Hampshire, with 25,280 residents across 153.8 square miles, a density of 164 people per square mile, in the New York time zone.
ZIP 03431 lands in the middle-income range, with a median household income of $79,541 (22% below the average New Hampshire ZIP), while per-capita income is $41,070. The poverty rate is 9.8%, with unemployment at 2.0%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $255,500 (37% below the average New Hampshire ZIP), and median rent is $1,343; owner occupancy is 56.2%.
A solid share of residents have a four-year degree: 41.9% of adults hold a bachelor's degree or higher, the median age is 38.4, and the average commute is 18 minutes. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Cheshire County, so 03431 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 03431
Top 5 sectors by establishment count in Keene, NH
Which industries have the most business establishments in ZIP 03431.
- Retail trade
Retail trade
148 establishments
- Health care and social assistance
Health care and social assistance
115 establishments
- Accommodation and food services
Accommodation and food services
92 establishments
- Other services (except public administration)
Other services (except public administration)
92 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
68 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 03431, Keene, 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
25,280
Population
153.8
Area (sq mi)
164
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 03431?
38.4
Median Age
49.3%
Male
50.7%
Female
3.7%
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?
$79,541
Median Household Income
-22% vs state ZIP avg
$41,070
Per Capita Income
9.8%
Poverty Rate
2.0%
Unemployment Rate
17.7 min
Mean Commute Time
How ZIP 03431 ranks among New Hampshire ZIPs
Keene, 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)
$79,541 23rd percentile higher than 23% 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
11,503housing units
11,503
Total Housing Units
10,228
Occupied Units
1,275
Vacant Units
2.21
Avg Household Size
Occupancy Type
$255,500
Median Home Value
-37% vs state ZIP avg
$1,343
Median Rent
1961
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
+6.6%
YoY Change (2024)
274
HPI Index (2000 = 100)
+174%
Total Change Since 2000
Home values in ZIP 03431 have increased 6.6% over the past year (2024). Since 2000, this ZIP has seen +174% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +8.3% | 171 |
| 2021 | +13.8% | 194 |
| 2022 | +19.0% | 231 |
| 2023 | +11.1% | 257 |
| 2024 | +6.6% | 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 841 business establishments in ZIP 03431, employing approximately 16,004 people with a combined annual payroll of $908,903,000.
841
Businesses
16,004
Employees
$908.9M
Annual Payroll
17
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 148 | 17.6% |
| Health care and social assistance | 115 | 13.7% |
| Accommodation and food services | 92 | 10.9% |
| Other services (except public administration) | 92 | 10.9% |
| Professional, scientific, and technical services | 68 | 8.1% |
| Construction | 56 | 6.7% |
| Finance and insurance | 54 | 6.4% |
| Manufacturing | 38 | 4.5% |
| Administrative and support and waste management and remediation services | 38 | 4.5% |
| Real estate and rental and leasing | 33 | 3.9% |
| Wholesale trade | 29 | 3.5% |
| Information | 19 | 2.3% |
| Arts, entertainment, and recreation | 18 | 2.1% |
| Transportation and warehousing | 17 | 2.0% |
| Educational services | 13 | 1.6% |
| Management of companies and enterprises | 6 | 0.7% |
| Utilities | 5 | 0.6% |
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 03431 vs 03448 →
ZIP 03431 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 03431
Keene (03431)
25,280 residents
- 03446 6,285
Swanzey (03446)
6,285 residents
- 03608 2,811
Walpole (03608)
2,811 residents
- 03465 2,156
Troy (03465)
2,156 residents
- 03455 2,086
Marlborough (03455)
2,086 residents
- 03467 1,842
Westmoreland (03467)
1,842 residents
- 03462 1,562
Spofford (03462)
1,562 residents
- 03448 811
Gilsum (03448)
811 residents
- 03445 691
Sullivan (03445)
691 residents
What this shows Among its immediate neighbors, ZIP 03431 ranks the most populous - useful context the national average alone can't give.
ZIP 03431 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 03462
Spofford (03462)
$115,313 median income
- 03445
Sullivan (03445)
$106,667 median income
- 03467
Westmoreland (03467)
$104,444 median income
- 03465
Troy (03465)
$88,871 median income
- 03608
Walpole (03608)
$88,224 median income
- 03446
Swanzey (03446)
$85,484 median income
- 03448
Gilsum (03448)
$80,417 median income
- 03431
Keene (03431)
$79,541 median income
- 03455
Marlborough (03455)
$69,395 median income
What this shows By household income, ZIP 03431 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 03431, 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 (25,280 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Cheshire County
Related Areas
Frequently Asked Questions
What county is ZIP code 03431 in?
ZIP code 03431 (Keene) is located in Cheshire County, New Hampshire. Cheshire County contains multiple ZIP codes, see the full list at /counties/cheshire-nh.
What is the population of ZIP code 03431?
ZIP code 03431 in Keene, NH has a population of 25,280 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 03431?
The median household income in ZIP 03431 is $79,541, which is 4% above the national average of $76,288.
What is the average home value in ZIP 03431?
The median home value in ZIP 03431 is $255,500, which is 8% below the national average of $278,155.
What is the demographic makeup of ZIP 03431?
The largest racial group in ZIP 03431 is White at 92.1%. Hispanic or Latino residents make up 1.7% of the population.
How many businesses are in ZIP code 03431?
ZIP code 03431 has 841 business establishments employing approximately 16,004 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 03431?
The top industries by establishment count in ZIP 03431 are: Retail trade (148), Health care and social assistance (115), Accommodation and food services (92). There are 17 industry sectors represented in total.
How have home values changed in ZIP code 03431?
According to the FHFA House Price Index, home values in ZIP 03431 increased by 6.6% 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 03431?
In ZIP code 03431, 68.6% of residents aged 25+ have a high school diploma or higher, and 41.9% 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 03431?
The mean commute time for workers in ZIP code 03431 is 17.7 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 03431?
In ZIP code 03431, approximately 56.2% of occupied housing units are owner-occupied and 43.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 03431?
The poverty rate in ZIP code 03431 is 9.8% 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 03431's numbers, next.
- See how ZIP 03431 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Keene, NH ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.