Real Estate Investing in Haverhill, New Hampshire (03765)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 03765 (Haverhill, NH)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 21.4% 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 Haverhill, NH (03765)?
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Market Analysis: 03765 Haverhill
Not every below-median market is a bargain. Haverhill's 03765 ZIP comes in at signals that favor experienced operators who can absorb the risk $324K pricing implies.
Rent of $1,557/mo on a $324K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 03765 sits below the stated 0.0% once reality is priced in.
ZIP 03765's metrics run below Grafton County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.
The demographic picture in 03765 includes headwinds that any investor should price in. Income distribution skews lower than Haverhill averages, and tenant stability requires active management.
leans the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Haverhill:
Property Strategy for 03765
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $277,481 | $1,730 | 4.5% | +13.7% | $138,741 |
| 3BR | $322,202 | $2,320 | 5.2% | +11.7% | $107,401 |
Market Trends
Home Value History (with trend line)
📊 How Does 03765 Compare?
| Metric | 03765 | Haverhill | Lebanon, NH-VT | New Hampshire |
|---|---|---|---|---|
| Home Value | $324,439 | $336,690 | N/A | $496,656 |
| 5-Year CAGR | 10.8% | 10.1% | N/A | 9.6% |
| Avg Rent | $1,557 | $1,725 | N/A | - |
| Cap Rate | 3.7% | 4.0% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 03765 (Haverhill, NH). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $324,439 |
| Monthly Rent | $1,557 |
| Price-to-Rent | 17.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.8% |
| Cap Rate | 3.7% |
| 5-Year IRR | 14.5% |
📈 Home Appreciation
| 1-Year | +9.4% ▲ |
| 3-Year CAGR | +6.3% ▲ |
| 5-Year CAGR | +10.8% ▲ |
| 10-Year CAGR | +9.6% ▲ |
🏠 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 (3.7%). 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.
Demographics in 03765
Population: 667
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
Frequently Asked Questions
What is the investability score for Haverhill, NH?
The 3.0/5 investability rating in Haverhill, NH reflects its $324K prices and $1,557/mo rents. Investors generally consider it a solid option within NH.
How landlord-friendly is Haverhill, NH?
NH law landlord-friendly for landlords, and Haverhill inherits those rules. Investors should still review local ordinances for rental licensing.
What are vacancy rates like in Haverhill, NH?
Haverhill, NH carries elevated vacancy risk. Expect predictable absorption at market rents of $1,557/mo.
Is Haverhill, NH good for house hacking?
Haverhill, NH offers a challenging house-hacking opportunity. Small multifamily or rent-by-the-room plays can pair well with the $1,557/mo rent level.
Are rents high in Haverhill, NH?
Average rent in Haverhill, NH is approximately $1,557/mo per month. Against $324K home values that yields a reasonable rent-to-price ratio.
You know 03765 now. You don’t know where it ranks.
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How 03765 ranks in Lebanon, NH-VT
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