03104Manchester, New Hampshire

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 03104.

61out of 100
Area Score
Top 44% of 5,298 profiles measured

How we calculate this

How this area ranks
OpportunityTop 10% of 6,210 ZIP areas measured78
Schools2920th of 4,422 ZIP areas measured39
Growth3915th of 5,428 ZIP areas measured37
Housing affordability3648th of 6,685 ZIP areas measured77
Climate5562nd of 6,789 ZIP areas measured61
Physical resilience3680th of 6,709 ZIP areas measured53
AccessTop 15% of 6,791 ZIP areas measured99
Economic stabilityTop 35% of 6,742 ZIP areas measured68
The quick read

03104 ranks in the top 10% of published ZIP profiles for employment opportunity, with unemployment at 2.6% and median household income of $88,897.

Residential permitting has slowed: 215 units authorized over the past twelve months, 25% below the prior year.

A major airport is 5 miles away, giving the area unusually direct access to the national air network.

At a glance

Population
35,237
2024 ACS 5-Year
Median household income
$88,897
Top 28% nationally
Density
4,228/sq mi
8.3 sq mi of land
Median age
37.8
2024 ACS 5-Year
City
Manchester
New Hampshire
Metro area
Manchester-Nashua, NH
Nearest major airport
MHT
5 mi · Manchester Boston Rgnl
Median home value
$392,200
2024 ACS 5-Year

Jobs & opportunity

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

Employment grew 0.1% over the past year, to 65,395 employed residents.

44% of adults hold a four-year degree, higher than 83% of measured US ZIP areas.

MetricValueCompared nationallySource period
Median household income ±$10,764$88,897Top 28%of 31,2952024 ACS 5-Year
Per capita income ±$2,836$48,427Top 22%of 32,8222024 ACS 5-Year
Poverty rate10.4%Bottom 49%of 32,9702024 ACS 5-Year
Average commute25.4 minBottom 37%of 32,8872024 ACS 5-Year
Bachelor's degree or higher44.0%Top 17%of 33,1932024 ACS 5-Year
Employment65,395Top 44%of 6,544June 2026
Employment change (3 years)-0.2%Bottom 46%of 6,542June 2026
Employment change (year over year)0.1%Top 29%of 6,544June 2026
Labor force67,131Top 45%of 6,544June 2026
Labor force participation70.4%Top 14%of 33,2522024 ACS 5-Year
Mean annual wage$72,800Top 30%of 6,0722025 OEWS
Median annual wage$56,530Top 24%of 6,0722025 OEWS
Unemployment change (year over year)-0.7%Bottom 13%of 6,544June 2026
Unemployment rate2.6%Bottom 1%of 6,544June 2026
Median household income, successive ACS releases
202120222023202489k74k
Each point is a separate five-year estimate, most recently $88,897 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 — Manchester-Nashua, NH
OccupationPeople employedMedian annual wage
Retail Salespersons6,660$35,350
Registered Nurses5,210$98,600
General and Operations Managers4,990$124,990
Cashiers4,880$31,700
Customer Service Representatives4,680$49,630
Fast Food and Counter Workers4,440$31,120

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 Manchester, NH, the city containing this ZIP code.

15% of students met the state standard in mathematics and 32% in reading, across the schools here that reported results.

There are 12.5 students for every full-time teacher, fewer than in most measured places.

Public schools
8
2024-25 school year
Students per teacher
12.5
across all schools here
Math proficiency
15.5%
Bottom 16% in New Hampshire
Reading proficiency
31.7%
Bottom 42% in New Hampshire
SchoolDistrictStudentsPer teacherMathReading
Manchester Central High SchoolManchester School District1,13014.3
Hillside Middle SchoolManchester School District1,07111.917%37%
McDonough SchoolManchester School District53411.48%22%
Weston Elementary SchoolManchester School District43812.512%25%
Webster SchoolManchester School District36212.125%38%
Smyth Road SchoolManchester School District34411.116%33%
Kreiva Academy Public Charter School (H) · charterKreiva Academy Public Charter School7619.0
Kreiva Academy Public Charter School (M) · charterKreiva Academy Public Charter School4210.5

47.7% 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 →

Prices for everything a household buys run about 6% above the national average, on the Bureau of Economic Analysis index. Housing drives most of that difference.

Median rent of $1,561 takes 21% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 4.4 times median household income here, above the historic benchmark of about three times income.

Cost of living
105.6

Prices here run about 6% above the national average. The spread between places is driven mostly by housing — goods vary far less — and this excludes taxes.

Rent as a share of income
21.1%
Below the 30% cost-burdened threshold
Home price to income
4.4×
median home value ÷ median income
Median gross rent
$1,561
2024 ACS 5-Year
Median home value
$392,200
2024 ACS 5-Year
MetricValueCompared nationallySource period
Cost of living index105.6Top 28%of 6,0712023
Home price to income4.41Top 23%of 30,4042024 ACS 5-Year
Homeownership rate53.9%Bottom 11%of 32,9102024 ACS 5-Year
Housing units ±75515,685Top 7%of 33,7722024 ACS 5-Year
Median gross rent ±$61$1,561Top 20%of 26,6182024 ACS 5-Year
Median home value ±$13,455$392,200Top 21%of 30,9412024 ACS 5-Year
Rent as a share of income21.1%Top 29%of 26,4702024 ACS 5-Year
Vacancy rate6.8%Bottom 32%of 33,0282024 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 →
Development Momentum
37/ 100
Ranks 3915 of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

72% of recently permitted units are in buildings of five or more homes, so new supply is concentrated in apartments and condominiums rather than detached houses.

At 1.9 permitted units per 1,000 residents, building activity is below the median for measured US ZIP areas.

Units permitted
215
12 months ending July 2026
Per 1,000 residents
1.9
Bottom 38% nationally
Year over year
−25%
vs the prior twelve months
Multifamily share
71.6%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Manchester, NH, the city containing this ZIP code.

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 37, in the Good band, and no day in the year passed 100.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station MANCHESTER AP, 5.3 miles from this location.
Precipitation
JFMAMJJASOND4.0"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index51.02024 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 10002024 calendar year
Median air quality index37.02024 calendar year
Seasonal temperature swing48°F1991-2020 Normals
Air quality
Median air quality index
37
Good on a typical day
Worst tenth of days
51
90th percentile index
Days above 100
0
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

53 / 100
Physical resilience

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

Ice stormModerate
LightningModerate
Inland floodingModerate
HurricaneElevated
EarthquakeElevated
LandslideModerate
Heat waveModerate
DroughtModerate

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

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 — they say nothing about burglary, theft or assault.

Hillsborough County records 1.3 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 8.2 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 19.4 per 100,000 residents in Hillsborough County.

Homicide
1.3
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
8.2
per 100,000 residents · under 10 deaths
Drug overdose
19.4
per 100,000 residents · under 10 deaths
Suicide
16.4
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 Hillsborough 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 03104 rather than 03104 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
Offences reported to police are published by department rather than by town, and only where a department reported every month of the year. No municipal department reports for this place — many smaller communities are policed by the county — so there is no figure to show. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.
Taxes
Taxes are not published: no source covers them nationally with a method open enough to check. Cost of living now is — the index above is the Bureau of Economic Analysis price parity for this area — but it is a price level for all consumption rather than a budget for a household, its spread is driven mostly by housing, and it excludes taxes. Housing affordability is computed separately from rent, price and income, because that answers a narrower and more actionable question. Nothing here is individualised tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighbourhood all vary within the places measured here.

Access

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

AirportCodeDistanceLongest runway
Manchester Boston RgnlMHT5 mi9,250 ft
General Edward Lawrence Logan IntlBOS50 mi10,083 ft
Westfield-Barnes RgnlBAF88 mi9,000 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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Area Score
61
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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)
HousingU.S. Bureau of Economic Analysis
Regional price parities and county personal income
2023Annually, each December
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)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
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)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
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.

03104 vs Manchester

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

03104
Manchester
Median household income
$88,897
vs
$81,007
Per capita income
$48,427
vs
$44,745
Population density
4,228/sq mi
vs
3,496/sq mi
Median home value
$392,200
vs
$365,600
Median gross rent
$1,561
vs
$1,564
Homeownership rate
53.9%
vs
48.7%
Bachelor's degree or higher
44.0%
vs
34.0%
Poverty rate
10.4%
vs
11.2%
Median age
37.8
vs
38.0

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.