03431 ZIP Code — Keene, NH
Cheshire County, New Hampshire
ZIP code 03431 is located in Keene, New Hampshire, within Cheshire County. It covers approximately 59.96 square miles and serves a population of 24,891 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 603.
About ZIP code 03431
The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $221,600. Owner-occupancy sits near the national average at 53%.
Median household income is $69,848. 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 17 minutes is near the national average.
Educational attainment is near the national average, with 42% of residents holding a bachelor's degree or higher.
24,891
population
59.96
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
03431 ZIP code map
Cities in ZIP code 03431
Below are the cities the US Postal Service accepts for ZIP code 03431. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Keene | Acceptable |
| Keene | Preferred |
Nearby ZIP codes
03435 Keene (2.9 mi)
03445 Sullivan (3.9 mi)
03448 Gilsum (4.2 mi)
03455 Marlborough (7.1 mi)
03446 Swanzey (8.4 mi)
03467 Westmoreland (8.4 mi)
03462 Spofford (8.6 mi)
03608 Walpole (9.5 mi)
03450 Harrisville (9.9 mi)
03443 Chesterfield (10.7 mi)
03465 Troy (10.9 mi)
03602 Alstead (10.9 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 24,891 |
| Population density | 415 / sq mi |
| State FIPS | 33 |
| County FIPS | 005 |
| Geography | |
|---|---|
| Land area | 59.96 sq mi |
| Water area | 0.77 sq mi |
| Latitude | 42.9761 |
| Longitude | -72.2765 |
| 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 | 41.7% | 36.3% | 31.0% |
| $50k – $100k | 34.6% | 35.9% | 31.2% |
| $100k – $200k | 18.3% | 22.5% | 28.1% |
| Over $200k | 5.4% | 5.4% | 9.7% |
Demographics & statistics
24,891
Population
415
People per sq mi
36.7
Median age
$69,848
Median household income
$38,106
Per capita income
$221,600
Median home value
$1,156
Median monthly rent
52.9%
Home ownership
10.9%
Poverty rate
2.8%
Unemployment
6,418
Housing units
42.4%
Bachelor's or higher
Age distribution
Male
Female
482
Under 5
506
444
5–9
466
500
10–14
524
1,144
15–19
1,199
1,451
20–24
1,520
1,791
25–34
1,878
1,286
35–44
1,349
1,359
45–54
1,425
775
55–59
812
628
60–64
659
1,214
65–74
1,273
609
75–84
639
468
85+
490
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 3,585 | 14.4% |
| 18 and over | 21,306 | 85.6% |
| 65 and over | 4,693 | 18.9% |
| Median age | 36.7 years | |
Race & ethnicity
White
91.5%
Two or more races
4.4%
Hispanic or Latino
1.9%
Black or African American
1%
Asian
0.6%
Other race
0.5%
American Indian / Alaska Native
0.1%
| Group | Count | % |
|---|---|---|
| White | 23,206 | 91.5% |
| Two or more races | 1,111 | 4.4% |
| Hispanic or Latino | 470 | 1.9% |
| Black or African American | 255 | 1% |
| Asian | 154 | 0.6% |
| Other race | 131 | 0.5% |
| American Indian / Alaska Native | 27 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 41.7% | 36.3% | 31.0% |
| $50k – $100k | 34.6% | 35.9% | 31.2% |
| $100k – $200k | 18.3% | 22.5% | 28.1% |
| Over $200k | 5.4% | 5.4% | 9.7% |
Under $10k
2.2%
$10k–$15k
5.7%
$15k–$25k
8.6%
$25k–$35k
8.3%
$35k–$50k
11.4%
$50k–$75k
16.2%
$75k–$100k
15.9%
$100k–$150k
17.9%
$150k–$200k
7.1%
$200k+
6.6%
| Range | % of households |
|---|---|
| Under $10k | 2.2% |
| $10k–$15k | 5.7% |
| $15k–$25k | 8.6% |
| $25k–$35k | 8.3% |
| $35k–$50k | 11.4% |
| $50k–$75k | 16.2% |
| $75k–$100k | 15.9% |
| $100k–$150k | 17.9% |
| $150k–$200k | 7.1% |
| $200k+ | 6.6% |
| Median income | $69,848 |
Housing
Home values
Under $50k
9.2%
$50k–$100k
1.1%
$100k–$150k
6.3%
$150k–$200k
23.4%
$200k–$300k
38.8%
$300k–$500k
18.7%
$500k–$1M
2.3%
$1M+
0.2%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $221,600 |
| Median rent / month | $1,156 |
| Owner occupied | 52.9% |
| Renter occupied | 47.1% |
| Vacant | 9.9% |
| Single-family detached | 49.5% |
| Large apartment buildings | 10.6% |
| Mobile homes | 3.6% |
| Median rooms | 5.5 |
| Avg household size (owned) | 2.47 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.0% |
| 2010–2019 | 3.8% |
| 2000–2009 | 4.2% |
| 1990–1999 | 4.1% |
| 1980–1989 | 15.1% |
| 1970–1979 | 11.5% |
| 1960–1969 | 10.3% |
| 1950–1959 | 10.3% |
| 1940–1949 | 4.3% |
| 1939 or earlier | 36.5% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 2.3% |
| 1 bedroom | 17.6% |
| 2 bedrooms | 29.9% |
| 3 bedrooms | 30.6% |
| 4 bedrooms | 15.3% |
| 5+ bedrooms | 4.2% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 8.4% |
| 1 vehicle | 40.9% |
| 2 vehicles | 37.9% |
| 3 or more | 12.8% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 8.5% |
| Electricity | 15.9% |
| Propane / LP gas | 11.9% |
| Fuel oil | 56.2% |
| Wood | 4.8% |
| Solar | 0.8% |
| No fuel used | 0.5% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 3,733 | 37.2% |
| Cohabiting couple | 1,131 | 11.3% |
| Male householder, no spouse | 2,269 | 22.6% |
| Female householder, no spouse | 2,906 | 28.9% |
| Households with children under 18 | 1,903 | 19.0% |
| Households with seniors (65+) | 3,142 | 31.3% |
| Average household size | 2.21 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 45.8% | 41.0% |
| Married | 36.5% | 35.3% |
| Separated | 1.2% | 0.7% |
| Widowed | 3.5% | 8.1% |
| Divorced | 13.0% | 14.9% |
Education
Less than 9th grade
2.6%
Some HS, no diploma
3.6%
HS graduate
26.6%
Some college, no degree
17.7%
Associate's degree
7.0%
Bachelor's degree
27.1%
Graduate / professional
15.3%
| Metric | % |
|---|---|
| HS diploma or higher | 93.8% |
| Bachelor's or higher | 42.4% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 308 | 4.5% |
| Kindergarten | 199 | 2.9% |
| Elementary school | 1,568 | 22.9% |
| High school | 872 | 12.7% |
| College / grad school | 3,898 | 56.9% |
Employment
Industry of employment
Education & healthcare
28.7%
Retail trade
14.9%
Manufacturing
11.5%
Arts, food & hospitality
8.8%
Finance & real estate
6.7%
Professional & management
6.6%
Construction
5.8%
Wholesale trade
5.3%
Other services
3.7%
Transportation & utilities
2.8%
Public administration
2.5%
Information
2.2%
Agriculture & mining
0.6%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 44.1% |
| Service | 16.4% |
| Sales & office | 20.2% |
| Natural resources & construction | 6.0% |
| Production & transportation | 13.3% |
Employment type
| Type | % |
|---|---|
| Private sector | 76.8% |
| Government | 16.2% |
| Self-employed | 6.8% |
| Unpaid family workers | 0.2% |
Commute
| Method | % |
|---|---|
| Drive alone | 69.7% |
| Carpool | 9.7% |
| Public transit | 0.2% |
| Walk | 3.8% |
| Work from home | 13.4% |
| Other means | 3.2% |
| Avg commute (minutes) | 17.2 |
Poverty
All people
10.9%
Under 18 years
9.4%
18 and over
11.2%
Married-couple families
1.3%
Female-led households
11.4%
Income support
| Source | % of households |
|---|---|
| Social Security | 35.3% |
| Retirement income | 25.3% |
| Supplemental Security | 4.1% |
| Cash public assistance | 2.0% |
| Food stamps / SNAP | 7.3% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 28.4% |
| High blood pressure | 25.9% |
| High cholesterol | 24.9% |
| Diabetes | 7.3% |
| Heart disease | 5.4% |
| Stroke | 2.4% |
| Asthma | 11.5% |
| Arthritis | 23.3% |
| Kidney disease | 2.4% |
| Pulmonary disease | 5.8% |
| Cancer | 6.3% |
| Behavior / access | % |
|---|---|
| Smoking | 13.3% |
| Binge drinking | 18.4% |
| No physical activity | 18.6% |
| Less than 7 hrs sleep | 32.6% |
| Depression | 24.6% |
| Fair or poor health | 11.6% |
| Poor mental health | 16.4% |
| Poor physical health | 9.3% |
| No health insurance | 11.0% |
| Visited doctor (checkup) | 66.4% |
| Visited dentist | 65.2% |
| Cholesterol screening | 86.7% |
| Teeth loss | 12.3% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,859 | 8.7% |
| Disability | % |
|---|---|
| Any disability | 15.7% |
| Under 18 | 6.7% |
| 18–64 years | 12.3% |
| 65 and over | 35.4% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 76.3% |
| Public insurance | 32.4% |
| No insurance | 5.3% |
| Uninsured under 19 | 2.2% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 23,903 | 96.0% |
| Spanish | 249 | 1.0% |
| Other Indo-European | 36 | 0.2% |
| Asian & Pacific Islander | 80 | 0.3% |
| Other languages | 105 | 0.4% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 23,895 | 96.0% |
| Born in same state | 23,688 | 95.2% |
| Born in different state | 11,352 | 45.6% |
| Foreign born | 207 | 0.8% |
| Naturalized citizen | 996 | 4.0% |
| Not a US citizen | 540 | 54.2% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 4,548 | 18.3% |
| French | 4,320 | 17.4% |
| German | 1,993 | 8% |
| Arab | 664 | 2.7% |
| Polish | 361 | 1.5% |
| Ancestry | Count | % |
|---|---|---|
| English | 289 | 1.2% |
| Norwegian | 127 | 0.5% |
| Irish | 104 | 0.4% |
| Dutch | 70 | 0.3% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 40.3% |
| Internet access | 92.9% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 03431
What city is ZIP code 03431 in?
ZIP code 03431 is primarily assigned to Keene, New Hampshire.
What county is ZIP code 03431 in?
ZIP code 03431 falls within Cheshire County, New Hampshire.
Does ZIP code 03431 have a large retiree population?
35% of households in ZIP code 03431 receive Social Security income, suggesting a significant retiree or disability population.
What is the population of ZIP code 03431?
ZIP code 03431 has an estimated population of 24,891 residents, with a density of 415 people per square mile.
What is the typical home value in ZIP code 03431?
The median home value in ZIP code 03431 is $221,600.
What is the median household income in ZIP code 03431?
The median household income in ZIP code 03431 is $69,848, below the national median of ~$75,000.
What timezone is ZIP code 03431 in?
ZIP code 03431 observes the EST timezone.