Real Estate Investing in Lyndeborough, New Hampshire (03082)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Hillsborough County • Population: 1,676 • Data updated: September 2026

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Should you buy in 03082 (Lyndeborough, NH)? Our answer, based on the numbers below.

🏠 For Homebuyers
CAUTION
Grade D (52/100)

Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
2 flags
  • High vacancy: 12.7% of homes vacant — above national norms.
  • Higher unemployment: 7.9% unemployment — tenant risk signal.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Lyndeborough, NH (03082)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $536,073
Avg Monthly Rent $2,178
1% Rule ✗ Does Not Meet
Median Income $114,107
% Renters 8.5%

Market Analysis: 03082 Lyndeborough

Investors eyeing 03082 need to respect the fundamentals at play. Home values of $536K come alongside slower price movement and elevated management overhead.

Distressed markets are won on execution, not on spreadsheets. ZIP 03082 reflects the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Nearby ZIPs in Lyndeborough have seen price recovery that 03082 has not matched. Hillsborough County data supports the view that the spread is structural rather than temporary.

The 03082 ZIP's population of 1,676 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that clocks in at the need for careful underwriting.

New investors are better served looking at Lyndeborough's stable or hybrid ZIPs before stepping into 03082. The learning curve here is expensive when the lesson is wrong.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Lyndeborough:

C+ Average
Buy Confidence Score: 62/100
Affordability
10/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.7× the median income
Value Trend
Rising (+5.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,178/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Manchester-Nashua, NH Metro Area
Even conditions for buyers and sellers
20 days
Average time to sell
Fast
11.1%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of August 29, 2026 — updated weekly from Manchester-Nashua, NH metro data
🏠

Property Strategy for 03082

Which property type performs best in this market?

Best for Cash Flow
4BR
4.7% cap rate
Best for Appreciation
4BR
+10.6% 5yr CAGR
Best Overall Value
4BR
$154,252/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
3BR $529,123 $2,900 3.9% +10.3% $176,374
4BR $617,007 $4,050 4.7% +10.6% $154,252

Market Trends

Home Value History (with trend line)

$571K$488K$405K$322K$239K$156KJul 2006Jul 2016Jul 2026

📊 How Does 03082 Compare?

Metric 03082 Lyndeborough Manchester-Nashua, NH New Hampshire
Home Value $536,073 $536,073 N/A $496,656
5-Year CAGR 6.6% 6.6% N/A 9.6%
Avg Rent $2,178 $2,178 N/A -
Cap Rate 3.2% 3.2% - -
💡 Why Invest in 03082? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 03082 (Lyndeborough, NH). Anonymous, moderated, never written by AI.

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Property managers serving Hillsborough County

Manage rentals here? List your business →
Finley Property Management
Town Of Peterborough, NH

Finley Property Management, LLC is a boutique firm offering leasing and full-time management for single-family homes, townhomes, condos, and small multi-unit properties in Portland. summary from their website

Single-familySmall multifamily
Unclaimed — is this your business? Claim it free

North Point Property Management, LLC, also known as RowCal, is an HOA & Community Association Management Company offering financial, maintenance, and construction services. summary from their website

HOA
Unclaimed — is this your business? Claim it free

Peloquin Realty & Property Management offers property management services and real estate sales in Southern New Hampshire, including multi-family properties. summary from their website

Small multifamily
Unclaimed — is this your business? Claim it free

Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.

Investability
Good
Cap Rate
3.2%
Low
5yr Growth
+6.6%
Strong

📊 Market Snapshot

Home Value $536,073
Monthly Rent $2,178
Price-to-Rent 20.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.9%
Cap Rate 3.2%
5-Year IRR 9.8%

📈 Home Appreciation

1-Year +5.4% ▲
3-Year CAGR +5.5% ▲
5-Year CAGR +6.6% ▲
10-Year CAGR +8.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.2%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
12.7%
Moderate risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+6.6%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 03082

Population: 1,676

💰 Median Household Income
$114,107
This area
$114,107
State
$93,430
USA
$74,580
🏠 Renter Occupied
8.5%
This area
8.5%
State
18.9%
USA
34.0%
💼 Unemployment Rate
7.9%
This area
7.9%
State
-6.0%
USA
3.7%
🎓 College Educated
38.8%
This area
38.8%
State
29.2%
USA
33.7%
👤 Median Age
48.9 years
This area
48.9 years
State
34.2 years
USA
38.9 years
🏚️ Vacancy Rate
12.7%
This area
12.7%
State
22.4%
USA
10.5%
👥 Population by Ethnicity
White 89.0%
Other/Mixed 11.0%
Hispanic/Latino 1.7%
👶 Under 18
14.9%
This area
14.9%
USA
22.0%
👴 65 and Over
20.4%
This area
20.4%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 03082

A Avg School Grade
1 Schools
12.5:1 Avg Class Size
$22,088 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Lyndeborough Central School

📚 Pre-K – K Elementary
👥
50 Students
👨‍🏫
12.5:1 Class Size
💰
$22,088 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

2 Nearby 499 Off-Campus Students
C
Nashua Community College
1,262 students · 14.8 mi
C+
Saint Anselm College
2,078 students · 14.9 mi

Frequently Asked Questions

Is Lyndeborough, NH landlord-friendly?

NH law landlord-friendly for landlords, and Lyndeborough inherits those rules. Investors should still review local ordinances for rental licensing.

What is the tenant pool like in Lyndeborough, NH?

Expect a solid tenant pool in Lyndeborough, NH. The rental market absorbs $2,178/mo rents without meaningful friction.

What type of investing works in Lyndeborough, NH?

Investors usually favor careful cash-flow rentals with hands-on management in Lyndeborough, NH. With home values at $536K and rents near $2,178/mo, other strategies can work but produce even-keeled rather than outsized returns.

Is house hacking profitable in Lyndeborough, NH?

House hacking in Lyndeborough, NH is reasonable to execute. Prices around $536K and rents of $2,178/mo solid owner-occupant economics.

Where do home prices stand in Lyndeborough, NH?

Lyndeborough, NH home values average about $536K. That price point suits investors targeting rentals with $2,178/mo in monthly income.

You know 03082 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 03082 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.

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How 03082 ranks in Manchester-Nashua, NH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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