03249 ZIP Code — Gilford, NH

Belknap County, New Hampshire

ZIP code 03249 is located in Gilford, New Hampshire, within Belknap County. It covers approximately 38.78 square miles and serves a population of 7,725 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 603.

About ZIP code 03249

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 $363,700. Owner-occupancy is high at 90%, well above the national average.

Median household income is $112,522. The poverty rate of 7% is below the national average. 38% 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 22 minutes is near the national average.

Educational attainment is near the national average, with 43% of residents holding a bachelor's degree or higher.

Overall, ZIP code 03249 reflects a community defined by high homeownership and a significant Social Security-dependent population.

7,725

population

38.78

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

03249 ZIP code map

Cities in ZIP code 03249

Below are the cities the US Postal Service accepts for ZIP code 03249. Using any city not on this list may result in mail delivery delays.

City	Status
Gilford	Acceptable

Demographics updated 05/2026

Population
Total population	7,725
Population density	199 / sq mi
State FIPS	33
County FIPS	001

Geography
Land area	38.78 sq mi
Water area	14.76 sq mi
Latitude	43.5609
Longitude	-71.3582
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	22.6%	36.9%	31.0%
$50k – $100k	30.7%	31.7%	31.2%
$100k – $200k	32.9%	25.5%	28.1%
Over $200k	13.8%	5.9%	9.7%

Demographics & statistics

7,725

Population

199

People per sq mi

46.8

Median age

$112,522

Median household income

$53,036

Per capita income

$363,700

Median home value

$1,028

Median monthly rent

90.3%

Home ownership

6.6%

Poverty rate

1.6%

Unemployment

4,870

Housing units

43.2%

Bachelor's or higher

Age distribution

Male Female

242

Under 5

257

147

5–9

155

260

10–14

276

191

15–19

202

160

20–24

170

334

25–34

354

420

35–44

445

589

45–54

624

331

55–59

352

320

60–64

340

526

65–74

558

204

75–84

216

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,524	19.7%
18 and over	6,201	80.3%
65 and over	1,556	20.1%
Median age	46.8 years

Race & ethnicity

White 89.3%

Asian 4.1%

Two or more races 4%

Hispanic or Latino 2.4%

Other race 0.2%

Group	Count	%
White	7,063	89.3%
Asian	328	4.1%
Two or more races	315	4%
Hispanic or Latino	187	2.4%
Other race	19	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	22.6%	36.9%	31.0%
$50k – $100k	30.7%	31.7%	31.2%
$100k – $200k	32.9%	25.5%	28.1%
Over $200k	13.8%	5.9%	9.7%

Under $10k 2.2%

$10k–$15k 1.2%

$15k–$25k 5.0%

$25k–$35k 4.9%

$35k–$50k 6.9%

$50k–$75k 14.7%

$75k–$100k 7.6%

$100k–$150k 31.9%

$150k–$200k 13.1%

$200k+ 12.5%

Range	% of households
Under $10k	2.2%
$10k–$15k	1.2%
$15k–$25k	5.0%
$25k–$35k	4.9%
$35k–$50k	6.9%
$50k–$75k	14.7%
$75k–$100k	7.6%
$100k–$150k	31.9%
$150k–$200k	13.1%
$200k+	12.5%
Median income	$112,522

Housing

Home values

Under $50k 4.2%

$50k–$100k 3.5%

$100k–$150k 3.5%

$150k–$200k 7.0%

$200k–$300k 17.5%

$300k–$500k 34.5%

$500k–$1M 22.0%

$1M+ 7.9%

Housing overview

Metric	Value
Median home value	$363,700
Median rent / month	$1,028
Owner occupied	90.3%
Renter occupied	9.7%
Vacant	40.6%
Single-family detached	78.4%
Large apartment buildings	2.2%
Mobile homes	9.0%
Median rooms	5.5
Avg household size (owned)	2.62

Year built

Era	%
2020 or later	0.9%
2010–2019	6.1%
2000–2009	16.8%
1990–1999	11.0%
1980–1989	17.6%
1970–1979	17.0%
1960–1969	9.7%
1950–1959	9.8%
1940–1949	4.0%
1939 or earlier	7.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.3%
1 bedroom	9.0%
2 bedrooms	29.5%
3 bedrooms	37.0%
4 bedrooms	19.1%
5+ bedrooms	5.1%

Vehicles per household

Vehicles	% of households
No vehicle	3.3%
1 vehicle	28.8%
2 vehicles	45.3%
3 or more	22.6%

Heating fuel

Fuel type	%
Utility gas	0.1%
Electricity	8.1%
Propane / LP gas	19.5%
Fuel oil	59.6%
Wood	8.2%
Solar	0.5%

Households & families

Household type	Count	%
Married-couple family	1,833	59.7%
Cohabiting couple	237	7.7%
Male householder, no spouse	284	9.3%
Female householder, no spouse	715	23.3%
Households with children under 18	879	28.6%
Households with seniors (65+)	1,066	34.7%
Average household size	2.52

Marital status

Status	Male	Female
Never married	27.1%	17.8%
Married	60.3%	59.9%
Separated	0.0%	1.4%
Widowed	1.2%	6.8%
Divorced	11.4%	14.2%

Education

Less than 9th grade 1.4%

Some HS, no diploma 1.8%

HS graduate 23.5%

Some college, no degree 19.6%

Associate's degree 10.5%

Bachelor's degree 20.5%

Graduate / professional 22.6%

Metric	%
HS diploma or higher	96.8%
Bachelor's or higher	43.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	160	10.0%
Kindergarten	47	2.9%
Elementary school	744	46.4%
High school	235	14.7%
College / grad school	416	26.0%

Employment

Industry of employment

Education & healthcare 25.7%

Retail trade 15.7%

Manufacturing 9.3%

Professional & management 9.3%

Arts, food & hospitality 9.3%

Construction 9.2%

Finance & real estate 8.5%

Wholesale trade 4.3%

Other services 3.8%

Public administration 2.3%

Information 1.7%

Transportation & utilities 0.6%

Agriculture & mining 0.3%

Occupation

Category	%
Management, business & arts	45.5%
Service	10.7%
Sales & office	25.3%
Natural resources & construction	9.4%
Production & transportation	9.1%

Employment type

Type	%
Private sector	81.1%
Government	14.9%
Self-employed	4.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.0%
Carpool	4.5%
Public transit	0.0%
Walk	0.5%
Work from home	15.0%
Other means	0.0%
Avg commute (minutes)	21.7

Poverty

All people 6.6%

Under 18 years 2.6%

18 and over 7.6%

Married-couple families 5.5%

Female-led households 18.4%

Income support

Source	% of households
Social Security	37.7%
Retirement income	30.6%
Supplemental Security	5.4%
Cash public assistance	2.3%
Food stamps / SNAP	3.0%

Health indicators

Condition	%
Obesity	33.2%
High blood pressure	33.5%
High cholesterol	34.4%
Diabetes	9.3%
Heart disease	6.5%
Stroke	2.7%
Asthma	10.2%
Arthritis	27.6%
Kidney disease	2.7%
Pulmonary disease	6.4%
Cancer	8.2%

Behavior / access	%
Smoking	13.9%
Binge drinking	17.1%
No physical activity	19.5%
Less than 7 hrs sleep	29.5%
Depression	19.5%
Fair or poor health	10.9%
Poor mental health	12.7%
Poor physical health	9.5%
No health insurance	9.0%
Visited doctor (checkup)	73.7%
Visited dentist	71.1%
Cholesterol screening	93.2%
Teeth loss	9.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	489	7.9%

Disability	%
Any disability	13.1%
Under 18	2.3%
18–64 years	14.7%
65 and over	18.7%

Health insurance coverage

Type	%
Private insurance	79.5%
Public insurance	29.1%
No insurance	8.8%
Uninsured under 19	7.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	7,226	93.5%
Spanish	66	0.9%
Other Indo-European	0	0.0%
Asian & Pacific Islander	33	0.5%
Other languages	33	0.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,425	96.1%
Born in same state	7,398	95.8%
Born in different state	3,544	45.9%
Foreign born	27	0.3%
Naturalized citizen	300	3.9%
Not a US citizen	216	72.0%

Ancestry

Ancestry	Count	%
Italian	1,592	20.6%
French	1,322	17.1%
German	502	6.5%
Arab	213	2.8%
Norwegian	80	1%

Ancestry	Count	%
Irish	35	0.5%
Polish	23	0.3%
Dutch	16	0.2%
English	15	0.2%

Technology access

Metric	% of households
Computer access	39.7%
Internet access	97.7%

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

Frequently asked questions about ZIP code 03249

What city is ZIP code 03249 in?

ZIP code 03249 is primarily assigned to Gilford, New Hampshire.

What county is ZIP code 03249 in?

ZIP code 03249 falls within Belknap County, New Hampshire.

Is ZIP code 03249 mostly owner-occupied?

90% of occupied units in ZIP code 03249 are owner-occupied, well above the national average.

Does ZIP code 03249 have a large retiree population?

38% of households in ZIP code 03249 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 03249?

The median home value in ZIP code 03249 is $363,700.

What is the median household income in ZIP code 03249?

The median household income in ZIP code 03249 is $112,522, above the national median of ~$75,000.

What timezone is ZIP code 03249 in?

ZIP code 03249 observes the EST timezone.