Real Estate Investing in Campton, New Hampshire (03223)

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

Grafton County • Population: 3,398 • Data updated: September 2026

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Should you buy in 03223 (Campton, NH)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (65/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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
1 flag
  • High vacancy: 37.4% of homes vacant — above national norms.

What’s happening in Campton, NH (03223)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $421,203
Avg Monthly Rent $1,495
1% Rule ✗ Does Not Meet
Median Income $107,500
% Renters 8.8%

Market Analysis: 03223 Campton

The 03223 ZIP covers a section of Campton that demands careful diligence. Prices near $421K look accessible, but the work to make a deal cash flow is real.

Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 03223 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.

The gap between 03223 and stronger Campton ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.

Resident income in 03223 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.

Strategically, 03223 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 Campton:

B Good
Buy Confidence Score: 70/100
Affordability
15/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.9× the median income
Value Trend
Rising (+7.9%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,495/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
Lebanon, NH-VT Metro Area
Even conditions for buyers and sellers
52 days
Average time to sell
Average
6.9%
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 Lebanon, NH-VT metro data
🏠

Property Strategy for 03223

Which property type performs best in this market?

Best for Cash Flow
1BR
5.7% cap rate
Best for Appreciation
1BR
+13.8% 5yr CAGR
Best Overall Value
4BR
$133,270/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
1BR $186,765 $1,480 5.7% +13.8% $186,765
2BR $320,674 $1,930 4.3% $160,337
3BR $433,942 $2,630 4.4% +12.2% $144,647
4BR $533,080 $2,730 3.7% $133,270

Market Trends

Home Value History (with trend line)

$445K$382K$319K$255K$192K$129KJul 2006Jul 2016Jul 2026

Rent History (with trend line)

No data available

📊 How Does 03223 Compare?

Metric 03223 Campton Lebanon, NH-VT New Hampshire
Home Value $421,203 $421,203 N/A $496,656
5-Year CAGR 9.0% 9.0% N/A 9.6%
Avg Rent $1,495 $1,495 N/A -
Cap Rate 2.8% 2.8% - -
💡 Why Invest in 03223? 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 →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 03223 (Campton, NH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.8%
Low
5yr Growth
+9.0%
Strong

📊 Market Snapshot

Home Value $421,203
Monthly Rent $1,495
Price-to-Rent 23.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.3%
Cap Rate 2.8%
5-Year IRR 11.8%

📈 Home Appreciation

1-Year +7.9% ▲
3-Year CAGR +6.1% ▲
5-Year CAGR +9.0% ▲
10-Year CAGR +10.0% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.8%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.8%). 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
37.4%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+9.0%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 03223

Population: 3,398

💰 Median Household Income
$107,500
This area
$107,500
State
$93,430
USA
$74,580
🏠 Renter Occupied
8.8%
This area
8.8%
State
18.9%
USA
34.0%
💼 Unemployment Rate
0.5%
This area
0.5%
State
-6.0%
USA
3.7%
🎓 College Educated
36.8%
This area
36.8%
State
29.2%
USA
33.7%
👤 Median Age
42.7 years
This area
42.7 years
State
34.2 years
USA
38.9 years
🏚️ Vacancy Rate
37.4%
This area
37.4%
State
22.4%
USA
10.5%
👥 Population by Ethnicity
White 99.8%
Other/Mixed 0.2%
👶 Under 18
17.9%
This area
17.9%
USA
22.0%
👴 65 and Over
12.0%
This area
12.0%
USA
17.3%
📊 Poverty Rate
1.5%
This area
1.5%
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 03223

A+ Avg School Grade
1 Schools
9.4:1 Avg Class Size
$23,041 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Campton Elementary School

📚 Pre-K – 08 School
👥
281 Students
👨‍🏫
9.4:1 Class Size
💰
$23,041 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

1 Nearby
C
Plymouth State University
3,839 students · 6.1 mi

Frequently Asked Questions

Where do home prices stand in Campton, NH?

Campton, NH median home values land near $421K. That is reasonable territory for investors looking at $1,495/mo-per-month rentals.

Is it easy to find good tenants in Campton, NH?

The renter base in Campton, NH is reasonable for the $1,495/mo price point. Screening well and pricing to market typically yields predictable tenants.

Does house hacking work in Campton, NH?

House hacking works a challenging in Campton, NH. Rents of $1,495/mo against $421K acquisition make the strategy solid for owner-occupants.

Is Campton, NH a good market for buy-and-hold investors?

Our data puts Campton, NH at 3.0/5 for investability. Home prices of $421K and rents around $1,495/mo create a solid backdrop for investor activity.

Is rental property easy to operate in Campton, NH?

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

You know 03223 now. You don’t know where it ranks.

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How 03223 ranks in Lebanon, NH-VT

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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