Real Estate Investing in Marlborough, New Hampshire (03455)

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

Cheshire County • Population: 2,148 • Data updated: September 2026

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Should you buy in 03455 (Marlborough, NH)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (68/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 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.

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

What’s happening in Marlborough, NH (03455)?

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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 $382,957
Avg Monthly Rent $1,809
1% Rule ✗ Does Not Meet
Median Income $70,850
% Renters 34.9%

Market Analysis: 03455 Marlborough

ZIP 03455 inside Cheshire County looks affordable on the surface — median value of $383K — but the discount exists for reasons that a careful buyer should understand before committing.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $383K asset, 03455 is the wrong submarket. If the plan prices in friction, the yield can still work.

Regionally, 03455 sits on the difficult end of the NH spectrum. The a viable market for read — for disciplined operators — is that pricing reflects the difficulty.

Demographically, 03455 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.

The 03455 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Marlborough:

C+ Average
Buy Confidence Score: 65/100
Affordability
10/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.4× the median income
Value Trend
Rising (+6.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,809/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
Keene, NH Metro Area
Even conditions for buyers and sellers
40 days
Average time to sell
Average
8.7%
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 Keene, NH metro data
🏠

Property Strategy for 03455

Which property type performs best in this market?

Best for Cash Flow
3BR
5.3% cap rate
Best for Appreciation
2BR
+11.1% 5yr CAGR
Best Overall Value
4BR
$112,026/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $325,610 $2,010 4.4% +11.1% $162,805
3BR $354,545 $2,630 5.3% +10.9% $118,182
4BR $448,105 $2,660 4.3% +11.0% $112,026

Market Trends

Home Value History (with trend line)

$401K$350K$299K$248K$197K$146KJul 2006Jul 2016Jul 2026

📊 How Does 03455 Compare?

Metric 03455 Marlborough Keene, NH New Hampshire
Home Value $382,957 $382,957 N/A $496,656
5-Year CAGR 8.9% 8.9% N/A 9.6%
Avg Rent $1,809 $1,809 N/A -
Cap Rate 3.7% 3.7% - -
💡 Why Invest in 03455? 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 03455 (Marlborough, NH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.7%
Low
5yr Growth
+8.9%
Strong

📉 Market Crash Risk Index

Based on Keene, NH metro

0/10
Low Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
0/3
37%
Days Pending
0/2
40 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $382,957
Monthly Rent $1,809
Price-to-Rent 17.6:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.7%
Cap Rate 3.7%
5-Year IRR 12.5%

📈 Home Appreciation

1-Year +6.5% ▲
3-Year CAGR +6.9% ▲
5-Year CAGR +8.9% ▲
10-Year CAGR +8.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.7%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.7%). 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
6.9%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+8.9%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 03455

Population: 2,148

💰 Median Household Income
$70,850
This area
$70,850
State
$93,430
USA
$74,580
🏠 Renter Occupied
34.9%
This area
34.9%
State
18.9%
USA
34.0%
💼 Unemployment Rate
0.2%
This area
0.2%
State
-6.0%
USA
3.7%
🎓 College Educated
35.7%
This area
35.7%
State
29.2%
USA
33.7%
👤 Median Age
41.9 years
This area
41.9 years
State
34.2 years
USA
38.9 years
🏚️ Vacancy Rate
6.9%
This area
6.9%
State
22.4%
USA
10.5%
👥 Population by Ethnicity
White 96.8%
Other/Mixed 3.1%
Hispanic/Latino 0.8%
👶 Under 18
24.0%
This area
24.0%
USA
22.0%
👴 65 and Over
17.3%
This area
17.3%
USA
17.3%
📊 Poverty Rate
9.9%
This area
9.9%
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 03455

A+ Avg School Grade
1 Schools
10.8:1 Avg Class Size
$42,481 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Marlborough Elementary School

📚 Pre-K – 08 School
👥
157 Students
👨‍🏫
10.8:1 Class Size
💰
$42,481 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

4 Nearby 8 Off-Campus Students
C+
Keene State College
2,846 students · 5.2 mi
D
Antioch University-New England
967 students · 6.1 mi
C
Keene Beauty Academy
93 students · 7.8 mi
C
Franklin Pierce University
1,637 students · 10.3 mi

Frequently Asked Questions

Where do rents currently stand in Marlborough, NH?

Rent in Marlborough, NH is around $1,809/mo. The resulting rent-to-value relationship with $383K pricing is reasonable for most investor models.

How qualified is the tenant pool in Marlborough, NH?

Working renters make up the core of the Marlborough, NH tenant base. The pool is reasonable for investors targeting long-term holds.

What is the average home sale price in Marlborough, NH?

Marlborough, NH median home values land near $383K. That is reasonable territory for investors looking at $1,809/mo-per-month rentals.

What is it like being a landlord in Marlborough, NH?

Landlord-friendliness in Marlborough, NH is landlord-friendly. Eviction timelines and lease enforcement are considered reasonable by most property managers.

What investment strategy works best in Marlborough, NH?

Investors usually favor careful cash-flow rentals with hands-on management in Marlborough, NH. With home values at $383K and rents near $1,809/mo, other strategies can work but produce even-keeled rather than outsized returns.

You know 03455 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 03455 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 03455 ranks in Keene, NH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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