Real Estate Investing in Madison, New Hampshire (03875)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 03875 (Madison, 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: 31.0% of homes vacant — above national norms.
- Higher unemployment: 8.3% unemployment — tenant risk signal.
- High price-to-rent: Price-to-rent ratio 27.2 — 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 Madison, NH (03875)?
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Market Analysis: 03875 Madison
Not every below-median market is a bargain. Madison's 03875 ZIP reports signals that favor experienced operators who can absorb the risk $497K pricing implies.
Rent of $1,521/mo on a $497K basis reads well until vacancy, delinquency, and capex enter the model. The honest cap rate in 03875 sits below the stated 0.0% once reality is priced in.
Within NH, ZIP 03875 trails on several market indicators that neighboring Carroll County submarkets outperform. The gap is real and impressive enough to shape underwriting.
Demographically, 03875 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 03875 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.
Here's what matters if you're considering buying a home in Madison:
Property Strategy for 03875
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $413,312 | $1,690 | 2.9% | +7.4% | $206,656 |
| 3BR | $475,719 | $2,330 | 3.5% | +9.3% | $158,573 |
Market Trends
Home Value History (with trend line)
📊 How Does 03875 Compare?
| Metric | 03875 | Madison | New Hampshire |
|---|---|---|---|
| Home Value | $496,818 | $477,088 | $496,656 |
| 5-Year CAGR | 5.2% | 5.5% | 9.6% |
| Avg Rent | $1,521 | $1,584 | - |
| Cap Rate | 2.4% | 2.6% | - |
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 03875 (Madison, NH). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $496,818 |
| Monthly Rent | $1,521 |
| Price-to-Rent | 27.2:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 3.7% |
| Cap Rate | 2.4% |
| 5-Year IRR | 7.6% |
📈 Home Appreciation
| 1-Year | +4.6% ▲ |
| 3-Year CAGR | +2.0% ▲ |
| 5-Year CAGR | +5.2% ▲ |
| 10-Year CAGR | +7.8% ▲ |
🏠 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 (2.4%). 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 03875
Population: 1,052
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 03875
Nearby Schools (1 more)
Schools in adjacent ZIP codes that may serve this area
Madison 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.
Frequently Asked Questions
What is the typical home price in Madison, NH?
Homes in Madison, NH typically sell near $497K. Prices have moved at a 0.0% 5-year CAGR, which measured long-term demand.
What is the typical renter like in Madison, NH?
Madison, NH offers a measured renter base at the $1,521/mo rent level. Tenant turnover is reasonable for well-managed properties.
Is Madison, NH good for landlords?
For rental operators, Madison, NH rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
Is Madison, NH good for house hacking?
The house hack math a challenging in Madison, NH. Owner-occupant buyers benefit from the $1,521/mo rents and $497K home values.
How tight is the rental market in Madison, NH?
Madison, NH carries elevated vacancy risk. Expect reliable absorption at market rents of $1,521/mo.
You know 03875 now. You don’t know where it ranks.
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