03226 ZIP Code — Center Harbor, NH

Belknap County, New Hampshire

ZIP code 03226 is located in Center Harbor, New Hampshire, within Belknap County. It covers approximately 13.69 square miles and serves a population of 820 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 603.

About ZIP code 03226

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $356,700. Owner-occupancy is high at 86%, well above the national average.

Median household income is $100,192. The poverty rate of 3% is below the national average. 57% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with retail trade as the leading industry. The average commute of 23 minutes is near the national average.

Educational attainment is near the national average, with 44% of residents holding a bachelor's degree or higher.

Overall, ZIP code 03226 reflects a community defined by high homeownership and a significant Social Security-dependent population.

820

population

13.69

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

03226 ZIP code map

Cities in ZIP code 03226

Below are the cities the US Postal Service accepts for ZIP code 03226. Using any city not on this list may result in mail delivery delays.

City	Status
Center Harbor	Acceptable
Center Harbor	Preferred

Nearby ZIP codes

03254 Moultonborough (5.3 mi) 03299 Tilton (5.4 mi) 03298 Tilton (5.4 mi) 03245 Holderness (5.8 mi) 03217 Ashland (6.1 mi) 03253 Meredith (6.3 mi) 03256 New Hampton (9 mi) 03227 Center Sandwich (9.1 mi) 03264 Plymouth (9.5 mi) 03246 Laconia (9.8 mi) 03853 Mirror Lake (11.1 mi) 03259 North Sandwich (11.9 mi)

Demographics updated 05/2026

Population
Total population	820
Population density	60 / sq mi
State FIPS	33
County FIPS	001

Geography
Land area	13.69 sq mi
Water area	2.98 sq mi
Latitude	43.7077
Longitude	-71.4944
Timezone	Eastern (ET)
Area code	603

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	15.3%	36.9%	31.0%
$50k – $100k	39.8%	31.7%	31.2%
$100k – $200k	34.7%	25.5%	28.1%
Over $200k	10.2%	5.9%	9.7%

Demographics & statistics

820

Population

People per sq mi

63.5

Median age

$100,192

Median household income

$51,474

Per capita income

$356,700

Median home value

$987

Median monthly rent

85.9%

Home ownership

3.4%

Poverty rate

0.0%

Unemployment

695

Housing units

44.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

137

65–74

139

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	88	10.7%
18 and over	732	89.3%
65 and over	388	47.3%
Median age	63.5 years

Race & ethnicity

White 96.6%

Two or more races 2.3%

Hispanic or Latino 1.1%

Group	Count	%
White	801	96.6%
Two or more races	19	2.3%
Hispanic or Latino	9	1.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	15.3%	36.9%	31.0%
$50k – $100k	39.8%	31.7%	31.2%
$100k – $200k	34.7%	25.5%	28.1%
Over $200k	10.2%	5.9%	9.7%

Under $10k 1.6%

$10k–$15k 2.6%

$25k–$35k 9.1%

$35k–$50k 6.0%

$50k–$75k 16.7%

$75k–$100k 13.8%

$100k–$150k 28.1%

$150k–$200k 10.9%

$200k+ 11.2%

Range	% of households
Under $10k	1.6%
$10k–$15k	2.6%
$25k–$35k	9.1%
$35k–$50k	6.0%
$50k–$75k	16.7%
$75k–$100k	13.8%
$100k–$150k	28.1%
$150k–$200k	10.9%
$200k+	11.2%
Median income	$100,192

Housing

Home values

Under $50k 4.2%

$100k–$150k 1.2%

$150k–$200k 11.8%

$200k–$300k 16.1%

$300k–$500k 45.2%

$500k–$1M 20.6%

$1M+ 0.9%

Housing overview

Metric	Value
Median home value	$356,700
Median rent / month	$987
Owner occupied	85.9%
Renter occupied	14.1%
Vacant	48.7%
Single-family detached	92.9%
Large apartment buildings	0.0%
Mobile homes	1.5%
Median rooms	5.6
Avg household size (owned)	2.17

Year built

Era	%
2020 or later	0.0%
2010–2019	2.7%
2000–2009	13.1%
1990–1999	13.8%
1980–1989	18.0%
1970–1979	9.2%
1960–1969	10.4%
1950–1959	11.1%
1940–1949	3.9%
1939 or earlier	17.9%

Bedrooms

Size	% of units
No bedroom (studio)	6.9%
1 bedroom	10.8%
2 bedrooms	20.8%
3 bedrooms	38.2%
4 bedrooms	17.5%
5+ bedrooms	5.7%

Vehicles per household

Vehicles	% of households
No vehicle	2.6%
1 vehicle	27.9%
2 vehicles	48.4%
3 or more	21.1%

Heating fuel

Fuel type	%
Utility gas	1.6%
Electricity	5.2%
Propane / LP gas	26.0%
Fuel oil	49.0%
Wood	16.7%
Solar	1.6%

Households & families

Household type	Count	%
Married-couple family	262	68.2%
Cohabiting couple	4	1.0%
Male householder, no spouse	48	12.5%
Female householder, no spouse	70	18.2%
Households with children under 18	42	10.9%
Households with seniors (65+)	260	67.7%
Average household size	2.13

Marital status

Status	Male	Female
Never married	19.0%	17.3%
Married	72.8%	61.9%
Separated	4.8%	4.4%
Widowed	0.5%	4.9%
Divorced	2.9%	11.6%

Education

Less than 9th grade 0.0%

Some HS, no diploma 2.9%

HS graduate 28.6%

Some college, no degree 20.3%

Associate's degree 4.2%

Bachelor's degree 26.5%

Graduate / professional 17.5%

Metric	%
HS diploma or higher	97.1%
Bachelor's or higher	44.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	5	5.6%
Kindergarten	7	7.9%
Elementary school	34	38.2%
High school	34	38.2%
College / grad school	9	10.1%

Employment

Industry of employment

Retail trade 19.4%

Construction 19.0%

Professional & management 16.9%

Education & healthcare 15.5%

Arts, food & hospitality 14.5%

Other services 4.9%

Public administration 4.2%

Information 2.6%

Finance & real estate 1.6%

Wholesale trade 1.4%

Occupation

Category	%
Management, business & arts	39.3%
Service	12.2%
Sales & office	32.1%
Natural resources & construction	7.5%
Production & transportation	8.9%

Employment type

Type	%
Private sector	72.1%
Government	15.0%
Self-employed	12.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	82.3%
Carpool	5.4%
Public transit	0.5%
Walk	3.5%
Work from home	7.8%
Other means	0.5%
Avg commute (minutes)	22.8

Poverty

All people 3.4%

Under 18 years 0.0%

18 and over 3.8%

Married-couple families 1.9%

Female-led households 0.0%

Income support

Source	% of households
Social Security	57.0%
Retirement income	39.1%
Supplemental Security	6.3%
Cash public assistance	0.5%
Food stamps / SNAP	3.6%

Health indicators

Condition	%
Obesity	34.1%
High blood pressure	35.5%
High cholesterol	34.6%
Diabetes	10.3%
Heart disease	7.3%
Stroke	3.1%
Asthma	10.5%
Arthritis	29.3%
Kidney disease	3.0%
Pulmonary disease	7.3%
Cancer	8.4%

Behavior / access	%
Smoking	14.9%
Binge drinking	16.2%
No physical activity	21.3%
Less than 7 hrs sleep	29.7%
Depression	19.8%
Fair or poor health	12.5%
Poor mental health	12.9%
Poor physical health	10.5%
No health insurance	9.8%
Visited doctor (checkup)	74.2%
Visited dentist	68.3%
Cholesterol screening	93.0%
Teeth loss	10.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	53	7.2%

Disability	%
Any disability	20.6%
Under 18	0.0%
18–64 years	12.5%
65 and over	32.5%

Health insurance coverage

Type	%
Private insurance	73.5%
Public insurance	53.2%
No insurance	3.2%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	810	98.8%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	800	97.6%
Born in same state	800	97.6%
Born in different state	372	45.4%
Foreign born	0	0.0%
Naturalized citizen	20	2.4%
Not a US citizen	16	80.0%

Ancestry

Ancestry	Count	%
French	208	25.4%
Italian	183	22.3%
Arab	46	5.6%

Ancestry	Count	%
German	36	4.4%
Polish	3	0.4%
Norwegian	2	0.2%

Technology access

Metric	% of households
Computer access	46.8%
Internet access	91.4%

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

Frequently asked questions about ZIP code 03226

What city is ZIP code 03226 in?

ZIP code 03226 is primarily assigned to Center Harbor, New Hampshire.

What county is ZIP code 03226 in?

ZIP code 03226 falls within Belknap County, New Hampshire.

Does ZIP code 03226 have an older population?

47% of residents in ZIP code 03226 are 65 or older, above the national average of ~17%.

Does ZIP code 03226 have a large retiree population?

57% of households in ZIP code 03226 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 03226 mostly owner-occupied?

86% of occupied units in ZIP code 03226 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 03226?

The median home value in ZIP code 03226 is $356,700.

What timezone is ZIP code 03226 in?

ZIP code 03226 observes the EST timezone.