Real Estate Investing in Tamworth, New Hampshire (03817)

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

Carroll County • Population: 1,008 • Data updated: September 2026

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Should you buy in 03817 (Tamworth, NH)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (57/100)

Mixed — home prices are stretched relative to local incomes. Run the math on your specific situation.

📈 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: 21.1% 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 Tamworth, NH (03817)?

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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 $333,003
Avg Monthly Rent $1,422
1% Rule ✗ Does Not Meet
Median Income $55,904
% Renters 44.1%

Market Analysis: 03817 Tamworth

Not every below-median market is a bargain. Tamworth's 03817 ZIP comes in at signals that favor experienced operators who can absorb the risk $333K pricing implies.

If the plan assumes clean turnover, on-time rent, and low maintenance on a $333K asset, 03817 is the wrong submarket. If the plan prices in friction, the yield can still work.

Nearby ZIPs in Tamworth have seen price recovery that 03817 has not matched. Carroll County data supports the view that the spread is structural rather than temporary.

Demographically, 03817 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 03817 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 Tamworth:

C+ Average
Buy Confidence Score: 65/100
Affordability
10/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 6× the median income
Value Trend
Rising (+11.4%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,422/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.

Market Trends

Home Value History (with trend line)

$351K$299K$247K$195K$143K$90KJul 2006Jul 2016Jul 2026

📊 How Does 03817 Compare?

Metric 03817 Tamworth New Hampshire
Home Value $333,003 $362,718 $496,656
5-Year CAGR 7.4% 6.8% 9.6%
Avg Rent $1,422 $1,386 -
Cap Rate 3.3% 3.0% -
💡 Why Invest in 03817? Click to expand

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

A healthy rental market with 44% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 03817 (Tamworth, NH). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.3%
Low
5yr Growth
+7.4%
Strong

📊 Market Snapshot

Home Value $333,003
Monthly Rent $1,422
Price-to-Rent 19.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.1%
Cap Rate 3.3%
5-Year IRR 10.7%

📈 Home Appreciation

1-Year +11.4% ▲
3-Year CAGR +3.1% ▲
5-Year CAGR +7.4% ▲
10-Year CAGR +10.3% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.3%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.3%). 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.

Vacancy
21.1%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+7.4%
Growing
Eviction process: Fast Rent control: Favorable

Demographics in 03817

Population: 1,008

💰 Median Household Income
$55,904
This area
$55,904
State
$93,430
USA
$74,580
🏠 Renter Occupied
44.1%
This area
44.1%
State
18.9%
USA
34.0%
💼 Unemployment Rate
0.0%
This area
0.0%
State
-6.0%
USA
3.7%
🎓 College Educated
43.3%
This area
43.3%
State
29.2%
USA
33.7%
👤 Median Age
33.6 years
This area
33.6 years
State
34.2 years
USA
38.9 years
🏚️ Vacancy Rate
21.1%
This area
21.1%
State
22.4%
USA
10.5%
👥 Population by Ethnicity
White 79.1%
Other/Mixed 14.2%
Black/African American 4.6%
Asian 2.0%
👶 Under 18
33.2%
This area
33.2%
USA
22.0%
👴 65 and Over
17.5%
This area
17.5%
USA
17.3%
📊 Poverty Rate
16.6%
This area
16.6%
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

Frequently Asked Questions

Which real estate strategy fits Tamworth, NH?

Tamworth, NH investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($333K prices, $1,422/mo rents) make it a reasonable choice.

What is the typical rental rate in Tamworth, NH?

Expect rents around $1,422/mo per month in Tamworth, NH. With home values at $333K, the yield math works out to reasonable levels for rental investors.

Is house hacking profitable in Tamworth, NH?

The a challenging house-hack environment in Tamworth, NH reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

Is housing expensive in Tamworth, NH?

Typical homes in Tamworth, NH go for around $333K. The 5-year CAGR of 0.0% steady price movement.

Is Tamworth, NH a smart market for rental property?

Yes - Tamworth, NH a 3.0/5 investability score. With $333K home prices against $1,422/mo monthly rent, the market delivers a reasonable entry point for new investors.

You know 03817 now. You don’t know where it ranks.

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