ZIP Code 03446
standardSource:
Swanzey · Cheshire County · New Hampshire
- Population
- 6,285
- Median income
- $85,484
- Median home value
- $262,100
- Bachelor's or higher
- 33.3%
- Land area
- 110.7 sq mi
57/sq mi
▲ 12% vs US
higher than 68% of US ZIPs
▼ 6% vs US
higher than 60% of US ZIPs
Median age 49.7
New York
ZIP code 03446 in Swanzey, New Hampshire has a population of 6,285. The median household income is $85,484, which is 12% above the national average. Median home value is $262,100, 6% below the US average. 33.3% of residents hold a bachelor's degree or higher.
ZIP code 03446 is classified by USPS as a standard delivery area and covers roughly 110.7 square miles in Swanzey, Cheshire County, New Hampshire. The area is home to 6,285 residents, producing a population density of 57 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 03446 against New Hampshire and the nation.
On the economic side, the median household income for ZIP 03446 sits at $85,484 (16% below the New Hampshire average), while per-capita income is $42,625. The poverty rate stands at 7.4% and the unemployment rate at 3.5%. On housing, the median home value is $262,100 (35% below the state average) with median rent at $1,558 per month, and 75.9% of occupied units are owner-occupied, a direct signal of whether 03446 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 33.3% of adults hold a bachelor's degree or higher, the median age is 49.7, and the average commute is 25 minutes. We also surface 8 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Cheshire County, so you can benchmark 03446 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 03446
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 03446.
- Retail trade
Retail trade
34 establishments
- Construction
Construction
24 establishments
- Other services (except public administration)
Other services (except public administration)
16 establishments
- Real estate and rental and leasing 8
Real estate and rental and leasing
8 establishments
- Administrative and support and waste management and remediation services 8
Administrative and support and waste management and remediation services
8 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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 03446, Swanzey, NH · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
6,285
Population
110.7
Area (sq mi)
57
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 03446?
49.7
Median Age
50.1%
Male
49.9%
Female
2.6%
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?
$85,484
Median Household Income
-16% vs state
$42,625
Per Capita Income
7.4%
Poverty Rate
3.5%
Unemployment Rate
24.6 min
Mean Commute Time
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?
2,870
Total Housing Units
2,802
Occupied Units
68
Vacant Units
2.35
Avg Household Size
Occupancy Type
$262,100
Median Home Value
-35% vs state
$1,558
Median Rent
1982
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
+5.3%
YoY Change (2024)
277
HPI Index (2000 = 100)
+177%
Total Change Since 2000
Home values in ZIP 03446 have increased 5.3% over the past year (2024). Since 2000, this ZIP has seen +177% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | -4.2% | 172 |
| 2021 | +19.4% | 206 |
| 2022 | +21.1% | 249 |
| 2023 | +5.6% | 263 |
| 2024 | +5.3% | 277 |
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 131 business establishments in ZIP 03446, employing approximately 1,607 people with a combined annual payroll of $77,705,000.
131
Businesses
1,607
Employees
$77.7M
Annual Payroll
12
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 34 | 25.9% |
| Construction | 24 | 18.3% |
| Other services (except public administration) | 16 | 12.2% |
| Real estate and rental and leasing | 8 | 6.1% |
| Administrative and support and waste management and remediation services | 8 | 6.1% |
| Manufacturing | 7 | 5.3% |
| Health care and social assistance | 7 | 5.3% |
| Arts, entertainment, and recreation | 7 | 5.3% |
| Transportation and warehousing | 6 | 4.6% |
| Accommodation and food services | 5 | 3.8% |
| Wholesale trade | 4 | 3.0% |
| Professional, scientific, and technical services | 3 | 2.3% |
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 03446 vs 03431 →
More ZIP Codes in Cheshire County
Related Areas
Frequently Asked Questions
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What is the demographic makeup of ZIP 03446? ▼
How many businesses are in ZIP code 03446? ▼
What are the main industries in ZIP code 03446? ▼
How have home values changed in ZIP code 03446? ▼
What is the education level in ZIP code 03446? ▼
What is the average commute time in ZIP 03446? ▼
What percentage of residents own vs. rent in ZIP 03446? ▼
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ZIP Code Research Guides
Official Data Resources for Swanzey, NH
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.