Real Estate Investing in Stoddard, New Hampshire (03464)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 03464 (Stoddard, NH)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 58.6% of homes vacant — above national norms.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Stoddard, NH (03464)?
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Market Analysis: 03464 Stoddard
Investors eyeing 03464 need to respect the fundamentals at play. Home values of $432K come alongside slower price movement and elevated management overhead.
Distressed does not mean uninvestable. It means the margin for error is thinner. ZIP 03464 rewards the prepared, punishes the overconfident, and leaves the math unchanged either way.
ZIP 03464's metrics run below Cheshire County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
The 03464 ZIP's population of 965 has faced economic pressure over the last decade. That pressure shows up in rent delinquency patterns that registers the need for careful underwriting.
New investors are better served looking at Stoddard's stable or hybrid ZIPs before stepping into 03464. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Stoddard:
Property Strategy for 03464
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $348,892 | $1,960 | 4.0% | +9.4% | $174,446 |
| 3BR | $449,639 | $2,530 | 4.1% | +9.1% | $149,880 |
| 4BR | $491,028 | $2,720 | 4.0% | +7.1% | $122,757 |
Market Trends
Home Value History (with trend line)
📊 How Does 03464 Compare?
| Metric | 03464 | Stoddard | Keene, NH | New Hampshire |
|---|---|---|---|---|
| Home Value | $431,880 | $431,880 | N/A | $496,656 |
| 5-Year CAGR | 6.8% | 6.8% | N/A | 9.6% |
| Avg Rent | $1,764 | $1,764 | N/A | - |
| Cap Rate | 3.2% | 3.2% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 03464 (Stoddard, NH). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $431,880 |
| Monthly Rent | $1,764 |
| Price-to-Rent | 20.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.9% |
| Cap Rate | 3.2% |
| 5-Year IRR | 10.0% |
📈 Home Appreciation
| 1-Year | +9.3% ▲ |
| 3-Year CAGR | +5.5% ▲ |
| 5-Year CAGR | +6.8% ▲ |
| 10-Year CAGR | +8.6% ▲ |
🏠 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 (3.2%). 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 03464
Population: 965
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 03464
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
Is housing expensive in Stoddard, NH?
Stoddard, NH median home values land near $432K. That is reasonable territory for investors looking at $1,764/mo-per-month rentals.
What is the typical renter like in Stoddard, NH?
Stoddard, NH offers a stable renter base at the $1,764/mo rent level. Tenant turnover is reasonable for well-managed properties.
What do landlords charge for rent in Stoddard, NH?
Expect rents around $1,764/mo per month in Stoddard, NH. With home values at $432K, the yield math works out to reasonable levels for rental investors.
Is house hacking profitable in Stoddard, NH?
House hacking works a challenging in Stoddard, NH. Rents of $1,764/mo against $432K acquisition make the strategy solid for owner-occupants.
Is Stoddard, NH good for landlords?
For rental operators, Stoddard, NH rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
You know 03464 now. You don’t know where it ranks.
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