Real Estate Investing in Newton, New Hampshire (03858)

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

Rockingham County • Population: 4,825 • Data updated: September 2026

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Should you buy in 03858 (Newton, NH)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (76/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 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
CLEAN

No major risk flags on the data we track.

• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.

What’s happening in Newton, NH (03858)?

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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 $582,897
Avg Monthly Rent $2,304
1% Rule ✗ Does Not Meet
Median Income $141,328
% Renters 8.6%

Market Analysis: 03858 Newton

The 03858 ZIP in Newton, NH is a local-operator market. Outside capital chasing a $583K entry has to pair deep knowledge with the discount.

Distressed markets are won on execution, not on spreadsheets. ZIP 03858 posts the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.

Nearby ZIPs in Newton have seen price recovery that 03858 has not matched. Rockingham County data supports the view that the spread is structural rather than temporary.

Meanwhile, 4,825 residents fill the ZIP, renter turnover runs higher than neighboring postal codes and delinquency risk is a real line item rather than a theoretical one.

The 03858 ZIP fits a narrow investor profile — hands-on, patient, and willing to accept that the cap rate on paper is not the cap rate in reality.

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 Newton:

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 4.1× the median income
Value Trend
Rising (+5.6%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $2,304/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.
🏠

Property Strategy for 03858

Which property type performs best in this market?

Best for Cash Flow
3BR
3.9% cap rate
Best for Appreciation
4BR
+9.2% 5yr CAGR
Best Overall Value
4BR
$168,933/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $500,432 $2,560 3.7% +9.1% $250,216
3BR $572,829 $3,080 3.9% +8.8% $190,943
4BR $675,731 $3,390 3.6% +9.2% $168,933

Market Trends

Home Value History (with trend line)

$612K$528K$443K$359K$275K$191KJul 2006Jul 2016Jul 2026

📊 How Does 03858 Compare?

Metric 03858 Newton New Hampshire
Home Value $582,897 $582,897 $496,656
5-Year CAGR 5.7% 5.7% 9.6%
Avg Rent $2,304 $2,304 -
Cap Rate 3.1% 3.1% -
💡 Why Invest in 03858? Click to expand

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

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 03858 (Newton, NH). Anonymous, moderated, never written by AI.

Do you own or manage rentals in ZIP 03858 (Newton, NH)?

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Investability
Good
Cap Rate
3.1%
Low
5yr Growth
+5.7%
Moderate

📊 Market Snapshot

Home Value $582,897
Monthly Rent $2,304
Price-to-Rent 21.1:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 4.7%
Cap Rate 3.1%
5-Year IRR 8.8%

📈 Home Appreciation

1-Year +5.6% ▲
3-Year CAGR +4.3% ▲
5-Year CAGR +5.7% ▲
10-Year CAGR +7.5% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.1%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.1%). 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
2.9%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+5.7%
Stable
Eviction process: Fast Rent control: Favorable

Demographics in 03858

Population: 4,825

💰 Median Household Income
$141,328
This area
$141,328
State
$93,430
USA
$74,580
🏠 Renter Occupied
8.6%
This area
8.6%
State
18.9%
USA
34.0%
💼 Unemployment Rate
2.1%
This area
2.1%
State
-6.0%
USA
3.7%
🎓 College Educated
33.7%
This area
33.7%
State
29.2%
USA
33.7%
👤 Median Age
47.0 years
This area
47.0 years
State
34.2 years
USA
38.9 years
🏚️ Vacancy Rate
2.9%
This area
2.9%
State
22.4%
USA
10.5%
👥 Population by Ethnicity
White 92.2%
Other/Mixed 6.9%
Hispanic/Latino 6.7%
Black/African American 0.9%
👶 Under 18
16.7%
This area
16.7%
USA
22.0%
👴 65 and Over
15.9%
This area
15.9%
USA
17.3%
📊 Poverty Rate
1.8%
This area
1.8%
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 03858

A+ Avg School Grade
1 Schools
12.0:1 Avg Class Size
$23,539 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Memorial School

📚 03 – 05 Elementary
👥
261 Students
👨‍🏫
12.0:1 Class Size
💰
$23,539 Per Student

Nearby Schools (2 more)

Schools in adjacent ZIP codes that may serve this area

A+ Excellent

Dr Frederick N Sweetsir

📚 Pre-K – 02 Elementary
📍 104 Church Street, Merrimac
👥
231 Students
👨‍🏫
11.7:1 Class Size
💰
$59,291 Per Student
A+ Excellent

Helen R Donaghue School

📚 03 – 06 School
📍 24 Union Street Ext., Merrimac
👥
245 Students
👨‍🏫
11.1:1 Class Size
💰
$59,291 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

5 Nearby 333 Off-Campus Students
C
Northern Essex Community College
4,510 students · 5.0 mi
C
Northpoint Bible College
128 students · 7.3 mi
C
New England Tractor Trailer Training School of Massachusetts
527 students · 10.2 mi
D
Spa Tech Institute-North Andover
144 students · 12.0 mi
C+
Merrimack College
5,688 students · 14.4 mi

Frequently Asked Questions

What real estate strategy is ideal for Newton, NH?

Newton, NH investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($583K prices, $2,304/mo rents) make it a reasonable choice.

What is the typical renter like in Newton, NH?

Tenant quality in Newton, NH ranks as solid. Landlords generally report steady occupancy at market rents of $2,304/mo.

How strict are landlord regulations in Newton, NH?

Newton, NH operates under NH law, which is landlord-friendly overall for landlords. Expect reliable treatment in typical lease and eviction cases.

How does Newton, NH rate as a rental market?

Newton, NH scores 3.0/5 for investability. Home values sit at $583K and rents near $2,304/mo, which keeps the rent-to-price ratio in reasonable territory for buy-and-hold investors.

What is the average monthly rent in Newton, NH?

Expect rents around $2,304/mo per month in Newton, NH. With home values at $583K, the yield math works out to reasonable levels for rental investors.

You know 03858 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 03858 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 03858 ranks in Boston-Cambridge-Newton, MA-NH

Every ZIP in this metro, ranked. Free.

Cash Flow → Appreciation → Affordable →
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