Real Estate Investing in Lyme, New Hampshire (03768)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 03768 (Lyme, 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: 19.3% of homes vacant — above national norms.
- High price-to-rent: Price-to-rent ratio 28.5 — hard to cash-flow at these prices.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Lyme, NH (03768)?
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Market Analysis: 03768 Lyme
The 03768 ZIP in Lyme, NH is a local-operator market. Outside capital chasing a $674K entry has to pair deep knowledge with the discount.
The 03768 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
The gap between 03768 and stronger Lyme ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Demographically, 03768 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.
Strategy in 03768 is an operator game, not a passive one. In practical terms, entry prices of $674K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Lyme:
Property Strategy for 03768
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $460,165 | $2,190 | 3.4% | +11.0% | $230,082 |
| 3BR | $713,245 | $2,970 | 3.0% | +11.4% | $237,748 |
| 4BR | $996,732 | $3,020 | 2.2% | +11.7% | $249,183 |
Market Trends
Home Value History (with trend line)
📊 How Does 03768 Compare?
| Metric | 03768 | Lyme | Lebanon, NH-VT | New Hampshire |
|---|---|---|---|---|
| Home Value | $674,139 | $674,139 | N/A | $496,656 |
| 5-Year CAGR | 7.1% | 7.1% | N/A | 9.6% |
| Avg Rent | $1,971 | $1,971 | N/A | - |
| Cap Rate | 2.3% | 2.3% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 03768 (Lyme, NH). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $674,139 |
| Monthly Rent | $1,971 |
| Price-to-Rent | 28.5:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.5% |
| Cap Rate | 2.3% |
| 5-Year IRR | 9.4% |
📈 Home Appreciation
| 1-Year | +6.0% ▲ |
| 3-Year CAGR | +4.2% ▲ |
| 5-Year CAGR | +7.1% ▲ |
| 10-Year CAGR | N/A |
🏠 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 (2.3%). 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 03768
Population: 1,672
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 03768
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 Lyme, NH a good market for buy-and-hold investors?
With a 3.0/5 investability score, Lyme, NH ranks as a solid market for rental property investors. Median prices of $674K and rents of $1,971/mo drive the underlying numbers.
Do landlords face vacancy issues in Lyme, NH?
Lyme, NH sees elevated vacancy, which is reasonable relative to the broader NH rental market.
What approach is best for Lyme, NH real estate?
Most investors in Lyme, NH run a careful cash-flow rentals with hands-on management strategy. It aligns with the 3.0/5 investability profile and the market fundamentals.
Is Lyme, NH landlord-friendly?
Lyme, NH operates under NH law, which is landlord-friendly overall for landlords. Expect steady treatment in typical lease and eviction cases.
Is housing expensive in Lyme, NH?
In Lyme, NH the median home value sits at $674K. Against the broader NH market, that reads as reasonable for most investors.
You know 03768 now. You don’t know where it ranks.
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How 03768 ranks in Lebanon, NH-VT
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