PlainZIP

Swanzey, NH · standard

ZIP Code 03446

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

6,285
57/sq mi
$85,484
Median income
$262,100
Median home value
33.3%
Bachelor's or higher

The verdict

Swanzey pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 32%
household income, US ZIPs
Top 40%
home value, US ZIPs
57
people per sq mi
76%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 03446 against every reporting US ZIP.

ZIP code 03446 is a mid-sized community (a standard USPS delivery area) in Swanzey, Cheshire County, New Hampshire, home to 6,285 residents across 110.7 square miles, a density of 57 people per square mile, in the New York time zone.

ZIP 03446 lands in the middle-income range, with a median household income of $85,484 (16% below the New Hampshire average), while per-capita income is $42,625. Local economic indicators show a 7.4% poverty rate alongside 3.5% unemployment. The typical home here is valued at $262,100 (35% below the state average); renters pay a median of $1,558 monthly, and 75.9% of units are owner-occupied.

A solid share of residents have a four-year degree: 33.3% of adults hold a bachelor's degree or higher, the median age is 49.7, and the average commute is 25 minutes. A geography-based comparison follows: 8 ZIP codes within about 10 miles of 03446, plus 6 more within Cheshire County, give a clearer read than the 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 03446

Top 5 sectors by establishment count in Swanzey, NH

Which industries have the most business establishments in ZIP 03446.

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 03446, Swanzey, 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

6,285

Population

110.7

Area (sq mi)

57

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 03446?

49.7

Median Age

50.1%

Male

49.9%

Female

2.6%

Foreign-Born

White 91.1%
African American 0.0%
Asian 1.9%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.5%
Hispanic or Latino 5.0%

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

How ZIP 03446 ranks nationally

Swanzey, NH household income vs. every US ZIP code

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

$85,484 Top 32% higher than 68% 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 67.8%
Bachelor's Degree or Higher 33.3%

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

Owner 75.9%
Renter 24.1%

$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 →

ZIP 03446 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 03446 ranks #2 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 03446 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 03446 ranks #5 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
03431 Keene, NH 25,280 7.1 mi
03470 Winchester, NH 5,033 6.1 mi
03465 Troy, NH 2,156 5.9 mi
03462 Spofford, NH 1,562 5.9 mi
03455 Marlborough, NH 2,086 6.3 mi
03441 Ashuelot, NH 395 9.1 mi
03467 Westmoreland, NH 1,842 10.1 mi
03447 Fitzwilliam, NH 2,422 10.3 mi

More ZIP Codes in Cheshire County

03431 standard
Keene, NH
Pop: 25,280
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 Swanzey, NH New Hampshire

Frequently Asked Questions

What county is ZIP code 03446 in? ▼
ZIP code 03446 (Swanzey) 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 03446? ▼
ZIP code 03446 in Swanzey, NH has a population of 6,285 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 03446? ▼
The median household income in ZIP 03446 is $85,484, which is 12% above the national average of $76,288.
What is the average home value in ZIP 03446? ▼
The median home value in ZIP 03446 is $262,100, which is 6% below the national average of $278,155.
What is the demographic makeup of ZIP 03446? ▼
The largest racial group in ZIP 03446 is White at 91.1%. Hispanic or Latino residents make up 5.0% of the population.
How many businesses are in ZIP code 03446? ▼
ZIP code 03446 has 131 business establishments employing approximately 1,607 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 03446? ▼
The top industries by establishment count in ZIP 03446 are: Retail trade (34), Construction (24), Other services (except public administration) (16). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 03446? ▼
According to the FHFA House Price Index, home values in ZIP 03446 increased by 5.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 177%. 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 03446? ▼
In ZIP code 03446, 67.8% of residents aged 25+ have a high school diploma or higher, and 33.3% 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 03446? ▼
The mean commute time for workers in ZIP code 03446 is 24.6 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 03446? ▼
In ZIP code 03446, approximately 75.9% of occupied housing units are owner-occupied and 24.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 03446? ▼
The poverty rate in ZIP code 03446 is 7.4% 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.