03882 ZIP Code — Effingham, NH

Carroll County, New Hampshire

ZIP code 03882 is located in Effingham, New Hampshire, within Carroll County. It covers approximately 37.15 square miles and serves a population of 1,760 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 603.

About ZIP code 03882

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 $241,500. Owner-occupancy is high at 87%, well above the national average.

Median household income is $76,667. 35% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 30 minutes is near the national average.

College attainment at 20% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 03882 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,760

population

37.15

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

03882 ZIP code map

Cities in ZIP code 03882

Below are the cities the US Postal Service accepts for ZIP code 03882. Using any city not on this list may result in mail delivery delays.

City	Status
Effingham	Acceptable
Effingham	Preferred

Nearby ZIP codes

03864 Ossipee (4.5 mi) 03814 Center Ossipee (5.8 mi) 03836 Freedom (6.7 mi) 04047 Parsonsfield (6.8 mi) 03830 East Wakefield (7.1 mi) 04068 Porter (8.9 mi) 03890 West Ossipee (9.7 mi) 04095 West Newfield (10.5 mi) 03872 Sanbornville (10.5 mi) 03894 Wolfeboro (11.4 mi) 03849 Madison (11.8 mi) 03875 Silver Lake (11.9 mi)

Demographics updated 05/2026

Population
Total population	1,760
Population density	47 / sq mi
State FIPS	33
County FIPS	003

Geography
Land area	37.15 sq mi
Water area	1.14 sq mi
Latitude	43.7372
Longitude	-71.0496
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	33.1%	37.9%	31.0%
$50k – $100k	35.7%	32.8%	31.2%
$100k – $200k	23.8%	22.6%	28.1%
Over $200k	7.4%	6.7%	9.7%

Demographics & statistics

1,760

Population

People per sq mi

39.1

Median age

$76,667

Median household income

$34,439

Per capita income

$241,500

Median home value

$993

Median monthly rent

86.5%

Home ownership

12.8%

Poverty rate

3.7%

Unemployment

794

Housing units

20.3%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

125

25–34

160

35–44

121

45–54

155

55–59

60–64

120

65–74

153

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	389	22.1%
18 and over	1,371	77.9%
65 and over	310	17.6%
Median age	39.1 years

Race & ethnicity

White 87.4%

Two or more races 7.6%

Hispanic or Latino 3.6%

Asian 0.9%

Other race 0.3%

Black or African American 0.2%

Group	Count	%
White	1,596	87.4%
Two or more races	139	7.6%
Hispanic or Latino	66	3.6%
Asian	16	0.9%
Other race	5	0.3%
Black or African American	4	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	33.1%	37.9%	31.0%
$50k – $100k	35.7%	32.8%	31.2%
$100k – $200k	23.8%	22.6%	28.1%
Over $200k	7.4%	6.7%	9.7%

Under $10k 4.7%

$10k–$15k 3.2%

$15k–$25k 7.9%

$25k–$35k 5.1%

$35k–$50k 9.0%

$50k–$75k 19.9%

$75k–$100k 14.6%

$100k–$150k 19.7%

$150k–$200k 6.2%

$200k+ 9.9%

Range	% of households
Under $10k	4.7%
$10k–$15k	3.2%
$15k–$25k	7.9%
$25k–$35k	5.1%
$35k–$50k	9.0%
$50k–$75k	19.9%
$75k–$100k	14.6%
$100k–$150k	19.7%
$150k–$200k	6.2%
$200k+	9.9%
Median income	$76,667

Housing

Home values

Under $50k 4.5%

$50k–$100k 9.3%

$100k–$150k 7.6%

$150k–$200k 11.7%

$200k–$300k 30.1%

$300k–$500k 30.5%

$500k–$1M 4.3%

$1M+ 1.9%

Housing overview

Metric	Value
Median home value	$241,500
Median rent / month	$993
Owner occupied	86.5%
Renter occupied	13.5%
Vacant	38.3%
Single-family detached	84.5%
Large apartment buildings	0.7%
Mobile homes	8.8%
Median rooms	5.7
Avg household size (owned)	3.38

Year built

Era	%
2020 or later	0.5%
2010–2019	8.1%
2000–2009	16.9%
1990–1999	14.3%
1980–1989	11.0%
1970–1979	8.0%
1960–1969	12.6%
1950–1959	8.9%
1940–1949	2.4%
1939 or earlier	17.4%

Bedrooms

Size	% of units
No bedroom (studio)	2.4%
1 bedroom	12.8%
2 bedrooms	26.1%
3 bedrooms	32.6%
4 bedrooms	17.3%
5+ bedrooms	8.8%

Vehicles per household

Vehicles	% of households
No vehicle	1.3%
1 vehicle	20.2%
2 vehicles	44.0%
3 or more	34.5%

Heating fuel

Fuel type	%
Electricity	5.6%
Propane / LP gas	17.4%
Fuel oil	47.4%
Wood	27.9%

Households & families

Household type	Count	%
Married-couple family	295	55.2%
Cohabiting couple	62	11.6%
Male householder, no spouse	65	12.2%
Female householder, no spouse	112	21.0%
Households with children under 18	178	33.3%
Households with seniors (65+)	196	36.7%
Average household size	3.25

Marital status

Status	Male	Female
Never married	40.2%	32.7%
Married	47.2%	41.0%
Separated	1.9%	0.9%
Widowed	0.9%	5.9%
Divorced	9.8%	19.5%

Education

Less than 9th grade 1.8%

Some HS, no diploma 3.1%

HS graduate 48.2%

Some college, no degree 19.4%

Associate's degree 7.3%

Bachelor's degree 10.4%

Graduate / professional 9.9%

Metric	%
HS diploma or higher	95.1%
Bachelor's or higher	20.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	13	4.2%
Kindergarten	32	10.4%
Elementary school	174	56.5%
High school	79	25.6%
College / grad school	10	3.2%

Employment

Industry of employment

Education & healthcare 26.6%

Retail trade 16.3%

Manufacturing 13.9%

Professional & management 9.1%

Arts, food & hospitality 8.3%

Other services 6.0%

Transportation & utilities 3.7%

Construction 3.6%

Finance & real estate 3.5%

Public administration 3.4%

Agriculture & mining 2.6%

Information 2.3%

Wholesale trade 0.5%

Occupation

Category	%
Management, business & arts	31.0%
Service	25.0%
Sales & office	25.8%
Natural resources & construction	6.1%
Production & transportation	12.0%

Employment type

Type	%
Private sector	73.2%
Government	17.2%
Self-employed	9.6%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.5%
Carpool	9.7%
Public transit	0.0%
Walk	0.0%
Work from home	9.3%
Other means	0.5%
Avg commute (minutes)	30.3

Poverty

All people 12.8%

Under 18 years 6.1%

18 and over 14.5%

Married-couple families 5.4%

Female-led households 20.0%

Income support

Source	% of households
Social Security	34.8%
Retirement income	27.2%
Supplemental Security	7.3%
Cash public assistance	2.6%
Food stamps / SNAP	13.5%

Health indicators

Condition	%
Obesity	29.9%
High blood pressure	31.0%
High cholesterol	33.4%
Diabetes	9.3%
Heart disease	6.4%
Stroke	2.9%
Asthma	10.8%
Arthritis	26.9%
Kidney disease	2.7%
Pulmonary disease	7.1%
Cancer	7.1%

Behavior / access	%
Smoking	16.9%
Binge drinking	16.7%
No physical activity	21.4%
Less than 7 hrs sleep	31.7%
Depression	21.9%
Fair or poor health	13.1%
Poor mental health	14.7%
Poor physical health	11.0%
No health insurance	11.5%
Visited doctor (checkup)	68.7%
Visited dentist	64.0%
Cholesterol screening	91.6%
Teeth loss	11.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	72	5.3%

Disability	%
Any disability	15.9%
Under 18	8.7%
18–64 years	14.4%
65 and over	29.7%

Health insurance coverage

Type	%
Private insurance	51.9%
Public insurance	50.3%
No insurance	11.2%
Uninsured under 19	13.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,626	92.4%
Spanish	6	0.4%
Other Indo-European	0	0.0%
Asian & Pacific Islander	6	0.4%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,716	97.5%
Born in same state	1,716	97.5%
Born in different state	862	49.0%
Foreign born	0	0.0%
Naturalized citizen	44	2.5%
Not a US citizen	36	81.8%

Ancestry

Ancestry	Count	%
French	350	19.9%
Italian	287	16.3%
German	159	9%
Polish	21	1.2%

Ancestry	Count	%
Arab	19	1.1%
Dutch	7	0.4%
English	5	0.3%
Norwegian	3	0.2%

Technology access

Metric	% of households
Computer access	30.3%
Internet access	93.6%

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

Frequently asked questions about ZIP code 03882

What city is ZIP code 03882 in?

ZIP code 03882 is primarily assigned to Effingham, New Hampshire.

What county is ZIP code 03882 in?

ZIP code 03882 falls within Carroll County, New Hampshire.

Is ZIP code 03882 mostly owner-occupied?

87% of occupied units in ZIP code 03882 are owner-occupied, well above the national average.

What is the population of ZIP code 03882?

ZIP code 03882 has an estimated population of 1,760 residents, with a density of 47 people per square mile.

What is the typical home value in ZIP code 03882?

The median home value in ZIP code 03882 is $241,500.

What is the median household income in ZIP code 03882?

The median household income in ZIP code 03882 is $76,667, above the national median of ~$75,000.

What timezone is ZIP code 03882 in?

ZIP code 03882 observes the EST timezone.