03038Derry, New Hampshire

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 03038.

Area Score unavailable

Missing required signal: growth. AreaProfile withholds a score rather than inferring the missing dimensions.

How we calculate this

How this area ranks
OpportunityTop 5% of 6,210 published ZIP areas82
SchoolsTop 31% of 4,422 published ZIP areas66
Housing affordabilityTop 34% of 6,685 published ZIP areas89
Climate5562nd of 6,789 published ZIP areas61
Physical resilience3445th of 6,709 published ZIP areas57
AccessTop 15% of 6,791 published ZIP areas99
Economic stabilityTop 12% of 6,742 published ZIP areas80
The quick read

03038 ranks in the top 5% of published ZIP profiles for employment opportunity, with unemployment at 2.6% and median household income of $108,322.

In the public schools here, 31% of students met the state standard in mathematics, with 13.3 students for every teacher.

A major airport is 9 miles away, giving the area unusually direct access to the national air network.

At a glance

Population
34,474
2024 ACS 5-Year
Median household income
$108,322
Top 14% nationally
Density
961/sq mi
35.9 sq mi of land
Median age
40.3
2024 ACS 5-Year
City
Derry
New Hampshire
Metro area
Boston-Cambridge-Newton, MA-NH
Nearest major airport
MHT
9 mi · Manchester Boston Rgnl
Median home value
$430,500
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 2.6% is lower than 99% of the 6,544 measured US ZIP areas.

Employment fell 0.1% over the past year, to 183,529 employed residents.

37% of adults hold a four-year degree, higher than 76% of measured US ZIP areas.

Household income is higher than at least 86% of measured US ZIP areas.

MetricValueCompared with peersSource period
Median household income ±$7,467$108,322Top 14%2024 ACS 5-Year
Per capita income ±$2,613$50,557Top 19%2024 ACS 5-Year
Poverty rate4.1%Bottom 15%2024 ACS 5-Year
Average commute32.6 minTop 26%2024 ACS 5-Year
Bachelor's degree or higher36.9%Top 24%2024 ACS 5-Year
Employment183,529Top 24%June 2026
Employment change (3 years)1.5%Top 29%June 2026
Employment change (year over year)-0.1%Top 31%June 2026
Labor force188,452Top 24%June 2026
Labor force participation72.2%Top 10%2024 ACS 5-Year
Mean annual wage$89,620Top 8%2025 OEWS
Median annual wage$66,620Top 8%2025 OEWS
Unemployment change (year over year)-0.6%Bottom 14%June 2026
Unemployment rate2.6%Bottom 1%June 2026
Median household income, successive ACS releases
2021202220232024108k85k
Each point is a separate five-year estimate, most recently $108,322 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Boston-Cambridge-Newton, MA-NH
OccupationPeople employedMedian annual wage
Home Health and Personal Care Aides72,420$40,910
General and Operations Managers70,950$133,800
Registered Nurses64,240$106,180
Retail Salespersons64,150$36,850
Fast Food and Counter Workers60,130$36,290
Janitors and Cleaners, Except Maids and Housekeeping Cleaners43,160$46,550

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Derry, NH, the city containing this ZIP code.

31% of students met the state standard in mathematics and 44% in reading, across the schools here that reported results.

There are 13.3 students for every full-time teacher, fewer than in most measured places.

Public schools
8
2024-25 school year
Students per teacher
13.3
across all schools here
Math proficiency
30.6%
Top 37% in New Hampshire
Reading proficiency
44.1%
Top 37% in New Hampshire
SchoolDistrictStudentsPer teacherMathReading
Pinkerton AcademyPinkerton Academy School District2,99013.9
Gilbert H. Hood Middle SchoolDerry Cooperative School District69612.922%47%
Ernest P. Barka Elementary SchoolDerry Cooperative School District48512.129%38%
East Derry Memorial Elementary SchoolDerry Cooperative School District38812.143%51%
Grinnell SchoolDerry Cooperative School District33811.321%31%
South Range Elementary SchoolDerry Cooperative School District33312.847%51%
Derry Early Education ProgramDerry Cooperative School District13233.0
Next Charter School · charterNext Charter School798.8

16.9% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against New Hampshire’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Median rent of $1,547 takes 17% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 4.0 times median household income here, above the historic benchmark of about three times income.

Rent as a share of income
17.1%
Below the 30% cost-burdened threshold
Home price to income
4.0×
median home value ÷ median income
Median gross rent
$1,547
2024 ACS 5-Year
Median home value
$430,500
2024 ACS 5-Year
MetricValueCompared with peersSource period
Home price to income3.97Top 29%2024 ACS 5-Year
Homeownership rate69.7%Bottom 29%2024 ACS 5-Year
Housing units ±47314,507Top 9%2024 ACS 5-Year
Median gross rent ±$132$1,547Top 21%2024 ACS 5-Year
Median home value ±$17,142$430,500Top 18%2024 ACS 5-Year
Rent as a share of income17.1%Bottom 46%2024 ACS 5-Year
Vacancy rate9.3%Bottom 43%2024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →

No building-permit activity is published for this location by the Census Building Permits Survey.

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 84°F and January a low of 17°F.

Normal annual precipitation is 40.4 inches.

Air quality measures a median index of 38, in the Good band, and one day a year passes 100, the threshold at which the air is unhealthy for sensitive groups.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station MANCHESTER AP, 8.6 miles from this location.
Precipitation
JFMAMJJASOND4.0"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index56.02024 calendar year
Annual precipitation40.4"1991-2020 Normals
Average January low17°F1991-2020 Normals
Average July high84°F1991-2020 Normals
Comfortable months51991-2020 Normals
Days above AQI 10012024 calendar year
Median air quality index38.02024 calendar year
Seasonal temperature swing48°F1991-2020 Normals
Air quality
Median air quality index
38
Good on a typical day
Worst tenth of days
56
90th percentile index
Days above 100
1
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

57 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are inland flooding, coastal flooding and earthquake.

Coastal floodingHigh
Ice stormModerate
Inland floodingModerate
EarthquakeHigh
HurricaneModerate
DroughtModerate
LightningModerate
LandslideModerate
Heat waveModerate

Low or minimal exposure: tornado, strong wind, winter weather, cold wave, wildfire, hail, avalanche.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences. AreaProfile does not publish reported crime, and this is not a substitute for it — it says nothing about burglary, theft or assault.

Rockingham County records 1.0 homicide deaths per 100,000 residents a year, lower than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 7.5 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 8.1 per 100,000 residents in Rockingham County.

Homicide
1.0
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
7.5
per 100,000 residents · under 10 deaths
Drug overdose
8.1
per 100,000 residents · under 10 deaths
Suicide
13.4
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Rockingham County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 03038 rather than 03038 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
The FBI’s Crime Data Explorer is the only source for reported offences with national coverage and a published method, and it requires an API key AreaProfile does not hold. Arrest counts, news volume and commercial “safety scores” are not substituted in the meantime. What is published above under Safety is a different measurement — deaths rather than offences, from death certificates rather than police returns — and it covers no property crime at all.
Taxes
No tax dataset has met the source admission test for coverage, transparent methodology and update cadence. Nothing here is individualized tax advice.
Full cost of living
No public source publishes one with national coverage and a documented method. Housing affordability above is computed from published rent, price and income, and excludes transport, groceries, healthcare, insurance and taxes — commuting cost in particular tends to offset suburban housing savings.

Access

5 major airports lie within 100 miles, the nearest 9 miles away.

AirportCodeDistanceLongest runway
Manchester Boston RgnlMHT9 mi9,250 ft
General Edward Lawrence Logan IntlBOS39 mi10,083 ft
Rhode Island TF Green IntlPVD81 mi8,700 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

03038 vs Derry

How this ZIP area compares with Derry as a whole. Both figures come from the same ACS release, so the comparison is like for like.

03038
Derry
Median household income
$108,322
vs
$91,673
Per capita income
$50,557
vs
$47,738
Population density
961/sq mi
vs
1,332/sq mi
Median home value
$430,500
vs
$391,200
Median gross rent
$1,547
vs
$1,549
Homeownership rate
69.7%
vs
59.1%
Bachelor's degree or higher
36.9%
vs
36.7%
Poverty rate
4.1%
vs
4.4%
Median age
40.3
vs
41.0

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.