Real Estate Investing in Bradford, New Hampshire (03221)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 03221 (Bradford, NH)? Our answer, based on the numbers below.
Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 27.7% of homes vacant — above national norms.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Bradford, NH (03221)?
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Market Analysis: 03221 Bradford
This part of Merrimack County is not an easy win. The 03221 ZIP reports softness in key indicators, and the playbook that works in cleaner markets often stalls here.
For an experienced owner, 03221 can be a a solid fit for hunting ground — but the discount at $477K reflects genuine risk that outside investors often underestimate.
From a cash-flow lens, 03221 offers a low basis, the region around Bradford has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Stepping back, 2,210 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.
The right play in 03221 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Bradford:
Property Strategy for 03221
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 1BR | $288,460 | $1,620 | 4.0% | +11.2% | $288,460 |
| 2BR | $372,745 | $2,130 | 4.1% | +9.9% | $186,373 |
| 3BR | $473,983 | $2,810 | 4.3% | +9.5% | $157,994 |
| 4BR | $521,558 | $2,820 | 3.9% | +9.6% | $130,390 |
Market Trends
Home Value History (with trend line)
📊 How Does 03221 Compare?
| Metric | 03221 | Bradford | Concord, NH | New Hampshire |
|---|---|---|---|---|
| Home Value | $476,517 | $476,517 | N/A | $496,656 |
| 5-Year CAGR | 7.0% | 7.0% | N/A | 9.6% |
| Avg Rent | $1,917 | $1,917 | N/A | - |
| Cap Rate | 3.1% | 3.1% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 03221 (Bradford, NH). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $476,517 |
| Monthly Rent | $1,917 |
| Price-to-Rent | 20.7:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.8% |
| Cap Rate | 3.1% |
| 5-Year IRR | 10.2% |
📈 Home Appreciation
| 1-Year | +10.5% ▲ |
| 3-Year CAGR | +6.2% ▲ |
| 5-Year CAGR | +7.0% ▲ |
| 10-Year CAGR | +8.7% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). 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.
Demographics in 03221
Population: 2,210
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 03221
Schools in This ZIP Code
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
Frequently Asked Questions
What are rental rates like in Bradford, NH?
Rental rates in Bradford, NH average $1,917/mo. Tenant demand and $477K home values make the yield look reasonable by investor standards.
Is NH a landlord-friendly state?
The landlord environment in Bradford, NH is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
What kind of vacancy should I budget for in Bradford, NH?
Occupancy in Bradford, NH runs steady with elevated vacancy. Well-priced units at $1,917/mo lease on reasonable timelines.
Is Bradford, NH better for rentals, flips, or BRRRR?
For Bradford, NH, careful cash-flow rentals with hands-on management is the standard investor playbook. The market structure makes it a reasonable default approach.
Should investors consider Bradford, NH?
The 3.0/5 investability rating in Bradford, NH reflects its $477K prices and $1,917/mo rents. Investors generally consider it a solid option within NH.
You know 03221 now. You don’t know where it ranks.
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How 03221 ranks in Concord, NH
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