Real Estate Investing in Plainfield, New Hampshire (03781)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 03781 (Plainfield, 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: 20.5% of homes vacant — above national norms.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Plainfield, NH (03781)?
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Market Analysis: 03781 Plainfield
This part of Sullivan County is not an easy win. The 03781 ZIP sits at softness in key indicators, and the playbook that works in cleaner markets often stalls here.
For an experienced owner, 03781 can be a a strong candidate for hunting ground — but the discount at $538K reflects genuine risk that outside investors often underestimate.
Stepping back, 03781 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.
A notable renter share of 9% in 03781 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
The right play in 03781 usually involves deep tenant screening, aggressive delinquency response, and a conservative capex buffer. Anything less, and the discount can turn into a trap.
Here's what matters if you're considering buying a home in Plainfield:
Property Strategy for 03781
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $414,615 | $2,450 | 4.3% | +10.7% | $207,308 |
| 3BR | $533,244 | $3,390 | 4.6% | +10.8% | $177,748 |
| 4BR | $673,920 | $3,780 | 4.0% | +11.3% | $168,480 |
Market Trends
Home Value History (with trend line)
📊 How Does 03781 Compare?
| Metric | 03781 | Plainfield | Lebanon, NH-VT | New Hampshire |
|---|---|---|---|---|
| Home Value | $538,349 | $563,420 | N/A | $496,656 |
| 5-Year CAGR | 7.6% | 7.3% | N/A | 9.6% |
| Avg Rent | $2,205 | $2,192 | N/A | - |
| Cap Rate | 3.2% | 3.0% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 03781 (Plainfield, NH). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $538,349 |
| Monthly Rent | $2,205 |
| Price-to-Rent | 20.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 4.9% |
| Cap Rate | 3.2% |
| 5-Year IRR | 10.8% |
📈 Home Appreciation
| 1-Year | +4.8% ▲ |
| 3-Year CAGR | +6.0% ▲ |
| 5-Year CAGR | +7.6% ▲ |
| 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 (7.0%) 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 03781
Population: 1,917
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 03781
Nearby Schools (1 more)
Schools in adjacent ZIP codes that may serve this area
Plainfield Elementary School
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 real estate in Plainfield, NH a good investment right now?
Plainfield, NH rates 3.0/5 for investability. With median values at $538K and rents near $2,205/mo, the market offers reasonable fundamentals for rental investors.
How high is vacancy risk in Plainfield, NH?
Vacancy risk in Plainfield, NH is elevated. That supports measured cash flow for typical rental holds.
How strong are rents in Plainfield, NH?
The typical rental in Plainfield, NH commands about $2,205/mo monthly. That rent profile predictable cash flow against the $538K purchase basis.
Can I live-in-and-rent in Plainfield, NH?
The house hack math a challenging in Plainfield, NH. Owner-occupant buyers benefit from the $2,205/mo rents and $538K home values.
What is the smart move for investors in Plainfield, NH?
In Plainfield, NH the substantial play is typically careful cash-flow rentals with hands-on management. The combination of $538K prices and $2,205/mo rents suits that approach.
You know 03781 now. You don’t know where it ranks.
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How 03781 ranks in Lebanon, NH-VT
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