Real Estate Investing in Bedford, New Hampshire (03110)

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

Hillsborough County • Population: 23,580 • Data updated: September 2026

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Should you buy in 03110 (Bedford, NH)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (73/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 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
CLEAN

No major risk flags on the data we track.

What’s happening in Bedford, NH (03110)?

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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 $776,055
Avg Monthly Rent $2,674
1% Rule ✗ Does Not Meet
Median Income $151,850
% Renters 15.9%

Market Analysis: 03110 Bedford

ZIP 03110 inside Hillsborough County looks affordable on the surface — median value of $776K — but the discount exists for reasons that a careful buyer should understand before committing.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 03110 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

ZIP 03110's metrics run below Hillsborough County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Demographically, 03110 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.

Strategically, 03110 can be a high-return sleeve of a diversified portfolio — but it should not be the whole portfolio, and it should not be someone's first deal.

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 Bedford:

B Good
Buy Confidence Score: 71/100
Affordability
10/25
Appreciation
25/25
Stability
13/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.1× the median income
Value Trend
Rising (+5.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,674/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 03110

Which property type performs best in this market?

Best for Cash Flow
2BR
4.0% cap rate
Best for Appreciation
5BR
+9.9% 5yr CAGR
Best Overall Value
4BR
$219,835/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $517,471 $2,880 4.0% +8.6% $258,735
3BR $660,585 $3,450 3.8% +9.4% $220,195
4BR $879,338 $3,810 3.1% +9.3% $219,835
5BR $1,145,787 +9.9% $229,157

Market Trends

Home Value History (with trend line)

$820K$714K$607K$501K$395K$288KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

$2,982$2,899$2,817$2,735$2,652$2,570Dec 2025Apr 2026Jul 2026

📊 How Does 03110 Compare?

Metric 03110 Bedford Manchester-Nashua, NH New Hampshire
Home Value $776,055 $776,055 N/A $496,656
5-Year CAGR 7.1% 7.1% N/A 9.6%
Avg Rent $2,674 $2,674 N/A -
Cap Rate 2.7% 2.7% - -
💡 Why Invest in 03110? 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 03110 (Bedford, 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
2.7%
Low
5yr Growth
+7.1%
Strong

📊 Market Snapshot

Home Value $776,055
Monthly Rent $2,674
Price-to-Rent 24.2:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.1%
Cap Rate 2.7%
5-Year IRR 9.8%

📈 Home Appreciation

1-Year +5.6% ▲
3-Year CAGR +5.5% ▲
5-Year CAGR +7.1% ▲
10-Year CAGR +7.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.7%). 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
2.4%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+7.1%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 03110

Population: 23,580

💰 Median Household Income
$151,850
This area
$151,850
State
$93,430
USA
$74,580
🏠 Renter Occupied
15.9%
This area
15.9%
State
18.9%
USA
34.0%
💼 Unemployment Rate
1.2%
This area
1.2%
State
-6.0%
USA
3.7%
🎓 College Educated
62.9%
This area
62.9%
State
29.2%
USA
33.7%
👤 Median Age
44.0 years
This area
44.0 years
State
34.2 years
USA
38.9 years
🏚️ Vacancy Rate
2.4%
This area
2.4%
State
22.4%
USA
10.5%
👥 Population by Ethnicity
White 86.1%
Other/Mixed 6.8%
Asian 6.4%
Hispanic/Latino 3.4%
Black/African American 0.7%
👶 Under 18
25.4%
This area
25.4%
USA
22.0%
👴 65 and Over
17.8%
This area
17.8%
USA
17.3%
📊 Poverty Rate
2.9%
This area
2.9%
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 03110

A Avg School Grade
6 Schools
13.8:1 Avg Class Size
$17,957 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

McKelvie Intermediate School

📚 05 – 06 School
👥
625 Students
👨‍🏫
13.3:1 Class Size
💰
$17,957 Per Student
A+ Excellent

Memorial School

📚 Pre-K – 04 Elementary
👥
439 Students
👨‍🏫
14.8:1 Class Size
💰
$17,957 Per Student
A+ Excellent

Peter Woodbury School

📚 K – 04 Elementary
👥
421 Students
👨‍🏫
13.6:1 Class Size
💰
$17,957 Per Student
A+ Excellent

Ross A. Lurgio Middle School

📚 07 – 08 Middle
👥
680 Students
👨‍🏫
12.1:1 Class Size
💰
$17,957 Per Student
A Very Good

Riddle Brook School

📚 K – 04 Elementary
👥
502 Students
👨‍🏫
15.5:1 Class Size
💰
$17,957 Per Student
A Very Good

Bedford High School

📚 09 – 13 High School
👥
1,398 Students
👨‍🏫
13.7:1 Class Size
💰
$17,957 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

8 Nearby 1,783 Off-Campus Students
C+
Saint Anselm College
2,078 students · 3.5 mi
C+
University of New Hampshire at Manchester
748 students · 4.5 mi
D
University of New Hampshire College of Professional Studies Online
1,326 students · 4.5 mi
C
Manchester Community College
2,012 students · 6.0 mi
C
Southern New Hampshire University
184,099 students · 7.9 mi
C
Empire Beauty School-Hooksett
327 students · 9.0 mi
C+
Thomas More College of Liberal Arts
95 students · 9.5 mi
C
Harmony Health Care Institute
164 students · 9.7 mi

Investor Insight: With 1,783 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

What are rental rates like in Bedford, NH?

Rent in Bedford, NH is around $2,674/mo. The resulting rent-to-value relationship with $776K pricing is reasonable for most investor models.

What kind of tenants rent in Bedford, NH?

The tenant pool in Bedford, NH is solid, supported by local employment and population fundamentals. Rents of $2,674/mo are well-absorbed by the market.

Is housing expensive in Bedford, NH?

In Bedford, NH the median home value sits at $776K. Against the broader NH market, that reads as reasonable for most investors.

What approach is best for Bedford, NH real estate?

In Bedford, NH the robust play is typically careful cash-flow rentals with hands-on management. The combination of $776K prices and $2,674/mo rents suits that approach.

Is Bedford, NH a friendly market for rental owners?

The landlord environment in Bedford, NH is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

You know 03110 now. You don’t know where it ranks.

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How 03110 ranks in Manchester-Nashua, NH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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