Real Estate Investing in Pembroke, New Hampshire (03275)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 03275 (Pembroke, NH)? Our answer, based on the numbers below.
Solid choice — values are growing steadily and the market is stable enough to buy with confidence.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
No major risk flags on the data we track.
What’s happening in Pembroke, NH (03275)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 03275 Pembroke
ZIP 03275 inside Merrimack County looks affordable on the surface — median value of $468K — but the discount exists for reasons that a careful buyer should understand before committing.
Rent of $2,248/mo on a $468K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 03275 sits below the stated 0.0% once reality is priced in.
Nearby ZIPs in Pembroke have seen price recovery that 03275 has not matched. Merrimack County data supports the view that the spread is structural rather than temporary.
Looking more closely, 12,115 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.
Experienced landlords with local relationships tend to find 03275 workable. Turnkey investors from out of state usually find the numbers do not hold up in practice.
Here's what matters if you're considering buying a home in Pembroke:
Property Strategy for 03275
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $381,038 | $1,960 | 3.7% | +10.2% | $190,519 |
| 3BR | $458,205 | $2,590 | 4.1% | +9.6% | $152,735 |
| 4BR | $513,193 | $2,600 | 3.6% | +9.7% | $128,298 |
Market Trends
Home Value History (with trend line)
Rent History (with trend line)
📊 How Does 03275 Compare?
| Metric | 03275 | Pembroke | Concord, NH | New Hampshire |
|---|---|---|---|---|
| Home Value | $468,097 | $468,097 | N/A | $496,656 |
| 5-Year CAGR | 7.6% | 7.6% | N/A | 9.6% |
| Avg Rent | $2,248 | $2,248 | N/A | - |
| Cap Rate | 3.8% | 3.8% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 03275 (Pembroke, NH). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $468,097 |
| Monthly Rent | $2,248 |
| Price-to-Rent | 17.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.8% |
| Cap Rate | 3.8% |
| 5-Year IRR | 11.4% |
📈 Home Appreciation
| 1-Year | +7.1% ▲ |
| 3-Year CAGR | +6.4% ▲ |
| 5-Year CAGR | +7.6% ▲ |
| 10-Year CAGR | +8.9% ▲ |
🏠 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 (3.8%). 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.
Demographics in 03275
Population: 12,115
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 03275
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
Investor Insight: With 2,548 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
How strict are landlord regulations in Pembroke, NH?
Rental owners in Pembroke, NH deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.
How strong is the working-renter base in Pembroke, NH?
The renter base in Pembroke, NH is reasonable for the $2,248/mo price point. Screening well and pricing to market typically yields stable tenants.
What is the typical home price in Pembroke, NH?
In Pembroke, NH the median home value sits at $468K. Against the broader NH market, that reads as reasonable for most investors.
Does house hacking make sense in Pembroke, NH?
House hacking in Pembroke, NH is reasonable to execute. Prices around $468K and rents of $2,248/mo solid owner-occupant economics.
How high is vacancy risk in Pembroke, NH?
Vacancy risk in Pembroke, NH is elevated. That supports reliable cash flow for typical rental holds.
You know 03275 now. You don’t know where it ranks.
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How 03275 ranks in Concord, NH
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