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 Moderate-density area
- $71,759
- Median income Near-median income area
- $401,500
- Median home value Above-median home value
- 36.2%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 03860 (North Conway, NH) fell -4.2% from 2023 to 2024. The all-transactions index moved from 392.3 in 2023 to 375.6 in 2024 (2000 = 100).
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 average New Hampshire ZIP), while per-capita income is $52,258. The poverty rate is 9.8%, with unemployment at 3.0%; those measures add context to the income figure. Median home value is $401,500 (1% below the average New Hampshire ZIP) and median rent is $1,033; 63.7% of occupied homes 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 -. The page also surfaces 9 ZIP codes within roughly 10 miles and 6 more in Carroll County, so 03860 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 03860
Top 5 sectors by establishment count in North Conway, NH
Which industries have the most business establishments in ZIP 03860.
- Retail trade
Retail trade
123 establishments
- Accommodation and food services
Accommodation and food services
85 establishments
- Health care and social assistance 27
Health care and social assistance
27 establishments
- Other services (except public administration) 23
Other services (except public administration)
23 establishments
- Construction 19
Construction
19 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 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
Who lives in ZIP 03860?
59.8
Median Age
49.4%
Male
50.6%
Female
4.1%
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?
$71,759
Median Household Income
-30% vs state ZIP avg
$52,258
Per Capita Income
9.8%
Poverty Rate
3.0%
Unemployment Rate
How ZIP 03860 ranks among New Hampshire ZIPs
North Conway, 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)
$71,759 16th percentile higher than 16% 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
3,281housing units
3,281
Total Housing Units
1,964
Occupied Units
1,317
Vacant Units
1.79
Avg Household Size
Occupancy Type
$401,500
Median Home Value
-1% vs state ZIP avg
$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.
- 03860
North Conway (03860)
4,056 residents
- 03818
Conway (03818)
3,807 residents
- 03813
Center Conway (03813)
3,250 residents
- 03849 1,585
Madison (03849)
1,585 residents
- 03838 1,031
Glen (03838)
1,031 residents
- 03845 991
Intervale (03845)
991 residents
- 03875 833
Silver Lake (03875)
833 residents
- 03846 799
Jackson (03846)
799 residents
- 03832 395
Eaton Center (03832)
395 residents
What this shows Among its immediate neighbors, ZIP 03860 ranks the most populous - useful context the national average alone can't give.
ZIP 03860 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 03846
Jackson (03846)
$117,986 median income
- 03875
Silver Lake (03875)
$115,583 median income
- 03849
Madison (03849)
$96,439 median income
- 03832
Eaton Center (03832)
$79,063 median income
- 03818
Conway (03818)
$77,134 median income
- 03860
North Conway (03860)
$71,759 median income
- 03838
Glen (03838)
$68,385 median income
- 03845
Intervale (03845)
$57,320 median income
- 03813
Center Conway (03813)
$56,951 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 03860, 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 (4,056 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Carroll County
Related Areas
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.
Related
Take this with you
What to do with ZIP 03860's numbers, next.
- See how ZIP 03860 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where North Conway, 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.