03245 ZIP Code — Holderness, NH

Grafton County, New Hampshire

ZIP code 03245 is located in Holderness, New Hampshire, within Grafton County. It covers approximately 30.45 square miles and serves a population of 2,125 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 603.

About ZIP code 03245

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $344,700. Owner-occupancy is high at 80%, well above the national average.

The gap between median ($78,500) and mean household income suggests income inequality — a small number of higher earners pull the average up. 42% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with arts, entertainment, and food service as the leading industry. The average commute of 24 minutes is near the national average.

Educational attainment is high — 52% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 03245 reflects a community defined by a highly educated population, high homeownership, and a significant Social Security-dependent population.

2,125
population
30.45
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
03245 ZIP code map
Cities in ZIP code 03245

Below are the cities the US Postal Service accepts for ZIP code 03245. Using any city not on this list may result in mail delivery delays.

City Status
Holderness Preferred
Nearby ZIP codes
03217 Ashland (1.5 mi) 03264 Plymouth (4.6 mi) 03226 Center Harbor (5.8 mi) 03256 New Hampton (9 mi) 03299 Tilton (9.5 mi) 03298 Tilton (9.5 mi) 03227 Center Sandwich (9.8 mi) 03253 Meredith (10.6 mi) 03254 Moultonborough (10.8 mi) 03241 Hebron (11.9 mi) 03222 Bristol (12.6 mi) 03259 North Sandwich (13 mi)
Demographics updated 06/2026
Population
Total population 2,125
Population density 70 / sq mi
State FIPS 33
County FIPS 009
Geography
Land area 30.45 sq mi
Water area 5.45 sq mi
Latitude 43.7443
Longitude -71.5986
Timezone Eastern (ET)
Area code 603
Total population by age
Gender
Race & ethnicity
Economics updated 06/2026
Household income
Income range This ZIP County avg State avg
Under $50k 29.5% 37.5% 31.0%
$50k – $100k 29.4% 32.1% 31.2%
$100k – $200k 34.6% 21.7% 28.1%
Over $200k 6.5% 8.6% 9.7%

Demographics & statistics

2,125
Population
70
People per sq mi
44.9
Median age
$78,500
Median household income
$48,417
Per capita income
$344,700
Median home value
$1,678
Median monthly rent
80.1%
Home ownership
10.1%
Poverty rate
2.2%
Unemployment
1,311
Housing units
52.1%
Bachelor's or higher

Age distribution

Male Female
25
Under 5
33
41
5–9
55
35
10–14
47
26
15–19
35
97
20–24
132
116
25–34
159
112
35–44
152
69
45–54
94
54
55–59
74
58
60–64
79
163
65–74
222
82
75–84
111
23
85+
31
← Male
Female →

Age summary

GroupCount%
Under 1826012.2%
18 and over1,86587.8%
65 and over63229.7%
Median age44.9 years

Race & ethnicity

White 90.6%
Two or more races 4.5%
Hispanic or Latino 2.8%
Asian 1.5%
Other race 0.5%
GroupCount%
White1,98290.6%
Two or more races994.5%
Hispanic or Latino622.8%
Asian321.5%
Other race120.5%

Household income

Income range This ZIP County avg State avg
Under $50k 29.5% 37.5% 31.0%
$50k – $100k 29.4% 32.1% 31.2%
$100k – $200k 34.6% 21.7% 28.1%
Over $200k 6.5% 8.6% 9.7%
Under $10k 2.2%
$10k–$15k 7.6%
$15k–$25k 3.8%
$25k–$35k 17.5%
$35k–$50k 1.8%
$50k–$75k 16.7%
$75k–$100k 8.1%
$100k–$150k 18.9%
$150k–$200k 8.9%
$200k+ 14.6%
Range% of households
Under $10k2.2%
$10k–$15k7.6%
$15k–$25k3.8%
$25k–$35k17.5%
$35k–$50k1.8%
$50k–$75k16.7%
$75k–$100k8.1%
$100k–$150k18.9%
$150k–$200k8.9%
$200k+14.6%
Median income$78,500

Housing

Home values

Under $50k 2.6%
$50k–$100k 5.2%
$100k–$150k 4.5%
$150k–$200k 2.6%
$200k–$300k 28.0%
$300k–$500k 30.3%
$500k–$1M 10.1%
$1M+ 16.7%

Housing overview

MetricValue
Median home value$344,700
Median rent / month$1,678
Owner occupied80.1%
Renter occupied19.9%
Vacant39.2%
Single-family detached78.6%
Large apartment buildings0.0%
Mobile homes11.7%
Median rooms5.4
Avg household size (owned)2.29

Year built

Era%
2020 or later1.3%
2010–20193.2%
2000–200917.7%
1990–199914.6%
1980–198911.3%
1970–197912.3%
1960–19694.4%
1950–19594.4%
1940–19496.3%
1939 or earlier24.5%

Bedrooms

Size% of units
No bedroom (studio)0.4%
1 bedroom11.3%
2 bedrooms29.6%
3 bedrooms39.4%
4 bedrooms18.1%
5+ bedrooms1.2%

Vehicles per household

Vehicles% of households
No vehicle7.0%
1 vehicle42.4%
2 vehicles32.8%
3 or more17.9%

Heating fuel

Fuel type%
Utility gas4.4%
Electricity17.3%
Propane / LP gas10.5%
Fuel oil57.9%
Wood9.8%

Households & families

Household typeCount%
Married-couple family40845.0%
Cohabiting couple839.2%
Male householder, no spouse17018.8%
Female householder, no spouse24527.0%
Households with children under 1816618.3%
Households with seniors (65+)46551.3%
Average household size2.21

Marital status

StatusMaleFemale
Never married25.5%38.8%
Married51.6%37.3%
Separated0.5%1.3%
Widowed1.1%12.9%
Divorced21.3%9.6%

Education

Less than 9th grade 2.6%
Some HS, no diploma 1.3%
HS graduate 16.6%
Some college, no degree 16.9%
Associate's degree 10.5%
Bachelor's degree 23.5%
Graduate / professional 28.6%
Metric%
HS diploma or higher96.1%
Bachelor's or higher52.1%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool145.3%
Kindergarten166.0%
Elementary school14253.6%
High school3111.7%
College / grad school6223.4%

Employment

Industry of employment

Arts, food & hospitality 20.7%
Education & healthcare 20.2%
Manufacturing 9.5%
Transportation & utilities 9.5%
Other services 8.5%
Retail trade 5.8%
Professional & management 5.4%
Construction 5.3%
Wholesale trade 4.9%
Finance & real estate 4.4%
Public administration 3.1%
Agriculture & mining 2.0%
Information 0.7%

Occupation

Category%
Management, business & arts48.5%
Service17.4%
Sales & office13.8%
Natural resources & construction8.5%
Production & transportation11.8%

Employment type

Type%
Private sector83.3%
Government14.1%
Self-employed2.6%
Unpaid family workers0.0%

Commute

Method%
Drive alone80.8%
Carpool6.5%
Public transit0.0%
Walk0.7%
Work from home9.5%
Other means2.5%
Avg commute (minutes)23.6

Poverty

All people 10.1%
Under 18 years 0.0%
18 and over 11.4%
Married-couple families 0.0%
Female-led households 0.0%

Income support

Source% of households
Social Security42.4%
Retirement income35.2%
Supplemental Security3.8%
Cash public assistance3.9%
Food stamps / SNAP0.6%

Health indicators

Condition%
Obesity35.3%
High blood pressure33.2%
High cholesterol33.4%
Diabetes11.3%
Heart disease8.1%
Stroke3.7%
Asthma11.4%
Arthritis30.6%
Kidney disease3.3%
Pulmonary disease8.8%
Cancer8.0%
Behavior / access%
Smoking17.4%
Binge drinking14.7%
No physical activity20.8%
Less than 7 hrs sleep30.9%
Depression24.1%
Fair or poor health15.7%
Poor mental health14.9%
Poor physical health12.5%
No health insurance10.9%
Visited doctor (checkup)75.6%
Visited dentist62.5%
Cholesterol screening91.2%
Teeth loss14.6%

Veterans & disability

VeteransCount%
Civilian veterans1789.5%
Disability%
Any disability17.8%
Under 181.2%
18–64 years10.2%
65 and over39.8%

Health insurance coverage

Type%
Private insurance76.5%
Public insurance42.8%
No insurance2.1%
Uninsured under 190.0%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only2,06797.3%
Spanish361.7%
Other Indo-European00.0%
Asian & Pacific Islander190.9%
Other languages170.8%

Place of birth & citizenship

OriginCount%
Native born (US)2,02395.2%
Born in same state2,01694.9%
Born in different state1,02048.0%
Foreign born70.3%
Naturalized citizen1024.8%
Not a US citizen7169.6%

Ancestry

AncestryCount%
French54425.6%
Italian33916%
German1316.2%
English1075%
Dutch391.8%
AncestryCount%
Arab281.3%
Polish200.9%
Norwegian160.8%
Irish40.2%

Technology access

Metric% of households
Computer access42.6%
Internet access93.9%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 03245

What city is ZIP code 03245 in?

ZIP code 03245 is primarily assigned to Holderness, New Hampshire.

What county is ZIP code 03245 in?

ZIP code 03245 falls within Grafton County, New Hampshire.

Does ZIP code 03245 have an older population?

30% of residents in ZIP code 03245 are 65 or older, above the national average of ~17%.

How educated is the population of ZIP code 03245?

52% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 03245 have a large retiree population?

42% of households in ZIP code 03245 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 03245 mostly owner-occupied?

80% of occupied units in ZIP code 03245 are owner-occupied, well above the national average.

What timezone is ZIP code 03245 in?

ZIP code 03245 observes the EST timezone.

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