ZIP Code 03570 Housing Market

📝 Local Market Notes

The housing market in ZIP code 03570, located in Coos County, New Hampshire, demonstrates a robust upward price trajectory over the past five years. The Home Price Index (HPI) has escalated from 218.07 in 2021 to 328.79 in 2025, representing a cumulative increase of approximately 50.8% in just four years. This sustained appreciation indicates strong demand relative to supply, with annual gains consistently exceeding 15% between 2021 and 2024 before moderating slightly to 3.66% in the most recent period. Such a steep historical climb suggests that the local market has experienced significant capital appreciation, outpacing typical long-term averages. In terms of broader market alignment, ZIP 03570’s year-over-year growth of 3.66% sits between the Coos County average of 4.20% and the statewide figure of 3.11%. This positioning indicates that while the specific sub-market is slightly cooling compared to the immediate county surroundings, it remains more resilient than the state average. The divergence from the county’s higher growth rate may signal a maturation phase in this specific neighborhood, where initial rapid gains are stabilizing. Unlike nearby ZIP 03581, which is experiencing a sharp 13.32% surge, 03570 exhibits a more tempered, steady pace of value accumulation. Characterizing the sub-market, the parent county’s median home value of $188,900 and median household income of $57,677 suggest an affordable, entry-level to mid-range market. However, the high HPI index relative to 2000 implies that properties in 03570 have appreciated significantly above the county baseline. With a 74.2% owner-occupancy rate, the area leans toward residential stability rather than a renter-heavy profile, supported by a median gross rent of $876. For prospective buyers, the data reveals a market that has already realized substantial equity gains. While current mortgage rates at 7.40% impact affordability, the established price trajectory in 03570 suggests a stable asset with strong historical performance, distinguishing it from the more volatile, high-growth dynamics seen in adjacent areas.

Based on FHFA House Price Index data.