Real Estate Investing in Plainfield, New Hampshire (03770)

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

Sullivan County • Population: 576 • Data updated: September 2026

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Should you buy in 03770 (Plainfield, NH)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (60/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 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
1 flag
  • High vacancy: 19.4% 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 Plainfield, NH (03770)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $588,491
Avg Monthly Rent $2,178
1% Rule ✗ Does Not Meet
Median Income $155,526
% Renters 8.2%

Market Analysis: 03770 Plainfield

Investors eyeing 03770 need to respect the fundamentals at play. Home values of $588K come alongside slower price movement and elevated management overhead.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $588K asset, 03770 is the wrong submarket. If the plan prices in friction, the yield can still work.

On the rental side, 03770 offers a low basis, the region around Plainfield has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.

Demographically, 03770 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 right play in 03770 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.

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 Plainfield:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.8× the median income
Value Trend
Rising (+5.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,178/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
Lebanon, NH-VT Metro Area
Even conditions for buyers and sellers
52 days
Average time to sell
Average
6.9%
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 Lebanon, NH-VT metro data

Market Trends

Home Value History (with trend line)

$616K$551K$486K$422K$357K$292KFeb 2019Nov 2022Jul 2026

📊 How Does 03770 Compare?

Metric 03770 Plainfield Lebanon, NH-VT New Hampshire
Home Value $588,491 $563,420 N/A $496,656
5-Year CAGR 6.9% 7.3% N/A 9.6%
Avg Rent $2,178 $2,192 N/A -
Cap Rate 2.9% 3.0% - -
💡 Why Invest in 03770? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 03770 (Plainfield, NH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
2.9%
Low
5yr Growth
+6.9%
Strong

📊 Market Snapshot

Home Value $588,491
Monthly Rent $2,178
Price-to-Rent 22.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.4%
Cap Rate 2.9%
5-Year IRR 9.8%

📈 Home Appreciation

1-Year +5.5% ▲
3-Year CAGR +5.3% ▲
5-Year CAGR +6.9% ▲
10-Year CAGR N/A

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 2.9%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (2.9%). 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
19.4%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+6.9%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 03770

Population: 576

💰 Median Household Income
$155,526
This area
$155,526
State
$93,430
USA
$74,580
🏠 Renter Occupied
8.2%
This area
8.2%
State
18.9%
USA
34.0%
💼 Unemployment Rate
2.0%
This area
2.0%
State
-6.0%
USA
3.7%
🎓 College Educated
56.8%
This area
56.8%
State
29.2%
USA
33.7%
👤 Median Age
27.4 years
This area
27.4 years
State
34.2 years
USA
38.9 years
🏚️ Vacancy Rate
19.4%
This area
19.4%
State
22.4%
USA
10.5%
👥 Population by Ethnicity
White 77.7%
Other/Mixed 13.8%
Asian 7.4%
Black/African American 1.1%
👶 Under 18
29.3%
This area
29.3%
USA
22.0%
👴 65 and Over
5.5%
This area
5.5%
USA
17.3%
📊 Poverty Rate
0.0%
This area
0.0%
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 03770

A+ Avg School Grade
1 Schools
9.5:1 Avg Class Size
$38,416 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Plainfield Elementary School

📚 K – 08 School
👥
196 Students
👨‍🏫
9.5:1 Class Size
💰
$38,416 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 299 Off-Campus Students
D
New England School of Hair Design
0 students · 7.1 mi
C
Upper Valley Educators Institute
39 students · 7.4 mi
C
River Valley Community College
674 students · 9.9 mi
A
Dartmouth College
6,746 students · 11.8 mi

Frequently Asked Questions

What is the investability score for Plainfield, NH?

Yes - Plainfield, NH a 3.0/5 investability score. With $588K home prices against $2,178/mo monthly rent, the market delivers a reasonable entry point for new investors.

What is the average monthly rent in Plainfield, NH?

Expect rents around $2,178/mo per month in Plainfield, NH. With home values at $588K, the yield math works out to reasonable levels for rental investors.

Which investment style suits Plainfield, NH?

A careful cash-flow rentals with hands-on management strategy Plainfield, NH best. The market produces consistent results for that approach at the $588K price point.

Does a duplex house hack pencil in Plainfield, NH?

For house hackers, Plainfield, NH is a challenging. The $2,178/mo rent on a unit helps defray the mortgage on a $588K property.

How deep is the rental pool in Plainfield, NH?

The tenant pool in Plainfield, NH is solid, supported by local employment and population fundamentals. Rents of $2,178/mo are well-absorbed by the market.

You know 03770 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 03770 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 03770 ranks in Lebanon, NH-VT

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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