PlainZIP

North Conway, NH · standard

ZIP Code 03860

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

4,056
78/sq mi
$71,759
Median income
$401,500
Median home value
36.2%
Bachelor's or higher

The verdict

North Conway pairs an above-median household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 50%
household income, US ZIPs
Top 20%
home value, US ZIPs
78
people per sq mi
64%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 03860 against every reporting US ZIP.

ZIP code 03860 covers 52.1 square miles in North Conway, Carroll County, New Hampshire (a standard USPS delivery area), with a modest 4,056 residents on file, a density of 78 people per square mile, in the New York time zone.

ZIP 03860 lands in the middle-income range, with a median household income of $71,759 (30% below the New Hampshire average), while per-capita income is $52,258. The poverty rate stands at 9.8% and the unemployment rate at 3.0%. On housing, the median home value is $401,500 (1% below the state average) with median rent at $1,033 per month, and 63.7% of occupied units are owner-occupied.

A solid share of residents have a four-year degree: 36.2% of adults hold a bachelor's degree or higher, the median age is 59.8, and the average commute is -. A geography-based comparison follows: 9 ZIP codes within about 10 miles of 03860, plus 6 more within Carroll 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 03860

Top 5 sectors by establishment count in North Conway, NH

Which industries have the most business establishments in ZIP 03860.

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 03860, North Conway, 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

4,056

Population

52.1

Area (sq mi)

78

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 03860?

59.8

Median Age

49.4%

Male

50.6%

Female

4.1%

Foreign-Born

White 99.1%
African American 0.0%
Asian 0.1%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 0.8%
Hispanic or Latino 0.2%

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?

$71,759

Median Household Income

-30% vs state

$52,258

Per Capita Income

9.8%

Poverty Rate

3.0%

Unemployment Rate

How ZIP 03860 ranks nationally

North Conway, NH household income vs. every US ZIP code

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

$71,759 Top 50% higher than 50% 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 68.4%
Bachelor's Degree or Higher 36.2%

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

What does housing look like?

3,281

Total Housing Units

1,964

Occupied Units

1,317

Vacant Units

1.79

Avg Household Size

Occupancy Type

Owner 63.7%
Renter 36.3%

$401,500

Median Home Value

-1% vs state

$1,033

Median Rent

1981

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

-4.2%

YoY Change (2024)

376

HPI Index (2000 = 100)

+276%

Total Change Since 2000

Home values in ZIP 03860 have decreased 4.2% over the past year (2024). Since 2000, this ZIP has seen +276% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.0% 233
2021 +17.1% 273
2022 +42.0% 388
2023 +1.2% 392
2024 -4.2% 376

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 369 business establishments in ZIP 03860, employing approximately 5,202 people with a combined annual payroll of $223,781,000.

369

Businesses

5,202

Employees

$223.8M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Retail trade 123 33.3%
Accommodation and food services 85 23.0%
Health care and social assistance 27 7.3%
Other services (except public administration) 23 6.2%
Construction 19 5.2%
Real estate and rental and leasing 19 5.2%
Finance and insurance 16 4.3%
Professional, scientific, and technical services 15 4.1%
Transportation and warehousing 10 2.7%
Arts, entertainment, and recreation 10 2.7%
Information 9 2.4%
Manufacturing 6 1.6%
Wholesale trade 3 0.8%
Administrative and support and waste management and remediation services 3 0.8%

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 03860 vs 03847 →

ZIP 03860 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 03860 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 03860 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 03860 ranks #6 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
03847 Kearsarge, NH 294 2.0 mi
03845 Intervale, NH 991 4.5 mi
03813 Center Conway, NH 3,250 5.3 mi
03849 Madison, NH 1,585 9.8 mi
03838 Glen, NH 1,031 7.7 mi
03818 Conway, NH 3,807 8.0 mi
03832 Eaton Center, NH 395 10.2 mi
03875 Silver Lake, NH 833 10.6 mi
03846 Jackson, NH 799 10.5 mi

More ZIP Codes in Carroll County

03894 standard
Wolfeboro, NH
Pop: 6,314
03254 standard
Moultonborough, NH
Pop: 4,049
03872 standard
Sanbornville, NH
Pop: 3,809
03818 standard
Conway, NH
Pop: 3,807
03813 standard
Center Conway, NH
Pop: 3,250
03814 standard
Center Ossipee, NH
Pop: 2,329

Related Areas

Carroll County North Conway, NH New Hampshire

Frequently Asked Questions

What county is ZIP code 03860 in? ▼
ZIP code 03860 (North Conway) is located in Carroll County, New Hampshire. Carroll County contains multiple ZIP codes, see the full list at /counties/carroll-nh.
What is the population of ZIP code 03860? ▼
ZIP code 03860 in North Conway, NH has a population of 4,056 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 03860? ▼
The median household income in ZIP 03860 is $71,759, which is 6% below the national average of $76,288.
What is the average home value in ZIP 03860? ▼
The median home value in ZIP 03860 is $401,500, which is 44% above the national average of $278,155.
What is the demographic makeup of ZIP 03860? ▼
The largest racial group in ZIP 03860 is White at 99.1%. Hispanic or Latino residents make up 0.2% of the population.
How many businesses are in ZIP code 03860? ▼
ZIP code 03860 has 369 business establishments employing approximately 5,202 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 03860? ▼
The top industries by establishment count in ZIP 03860 are: Retail trade (123), Accommodation and food services (85), Health care and social assistance (27). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 03860? ▼
According to the FHFA House Price Index, home values in ZIP 03860 decreased by 4.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 276%. 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 03860? ▼
In ZIP code 03860, 68.4% of residents aged 25+ have a high school diploma or higher, and 36.2% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 03860? ▼
In ZIP code 03860, approximately 63.7% of occupied housing units are owner-occupied and 36.3% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 03860? ▼
The poverty rate in ZIP code 03860 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.