PlainZIP

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
$79,541
Median income
$255,500
Median home value
41.9%
Bachelor's or higher

The verdict

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.

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 New Hampshire average), while per-capita income is $41,070. Local economic indicators show a 9.8% poverty rate alongside 2.0% unemployment. The typical home here is valued at $255,500 (37% below the state average); renters pay a median of $1,343 monthly, and 56.2% of units are owner-occupied.

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. We also surface 8 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Cheshire County, so you can benchmark 03431 against its immediate geography rather than a national average 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 03431

Top 5 sectors by establishment count in Keene, NH

Which industries have the most business establishments in ZIP 03431.

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 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

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 03431?

38.4

Median Age

49.3%

Male

50.7%

Female

3.7%

Foreign-Born

White 92.1%
African American 1.5%
Asian 0.6%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.0%
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?

$79,541

Median Household Income

-22% vs state

$41,070

Per Capita Income

9.8%

Poverty Rate

2.0%

Unemployment Rate

17.7 min

Mean Commute Time

How ZIP 03431 ranks nationally

Keene, NH household income vs. every US ZIP code

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

$79,541 Top 39% higher than 61% 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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 68.6%
Bachelor's Degree or Higher 41.9%

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

What does housing look like?

11,503

Total Housing Units

10,228

Occupied Units

1,275

Vacant Units

2.21

Avg Household Size

Occupancy Type

Owner 56.2%
Renter 43.8%

$255,500

Median Home Value

-37% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 03431 ranks the most populous - useful context the national average alone can't give.

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

ZIP 03431 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 03431 ranks #8 of 9 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
03448 Gilsum, NH 811 5.5 mi
03446 Swanzey, NH 6,285 7.1 mi
03445 Sullivan, NH 691 5.5 mi
03467 Westmoreland, NH 1,842 6.9 mi
03455 Marlborough, NH 2,086 7.2 mi
03462 Spofford, NH 1,562 7.2 mi
03608 Walpole, NH 2,811 9.3 mi
03465 Troy, NH 2,156 10.8 mi

More ZIP Codes in Cheshire County

03446 standard
Swanzey, NH
Pop: 6,285
03461 standard
Rindge, NH
Pop: 6,014
03452 standard
Jaffrey, NH
Pop: 5,457
03470 standard
Winchester, NH
Pop: 5,033
03451 standard
Hinsdale, NH
Pop: 4,077
03608 standard
Walpole, NH
Pop: 2,811

Related Areas

Cheshire County Keene, NH New Hampshire

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.

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