03254 ZIP Code — Moultonborough, NH

Carroll County, New Hampshire

ZIP code 03254 is located in Moultonborough, New Hampshire, within Carroll County. It covers approximately 60.31 square miles and serves a population of 4,996 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 603.

About ZIP code 03254

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1990s, giving the area an established character. Median home value is $450,200. Owner-occupancy is high at 89%, well above the national average.

The gap between median ($89,728) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 2% is below the national average. 51% 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 23 minutes is near the national average. Remote work is prevalent — 22% of workers work from home.

Educational attainment is near the national average, with 45% of residents holding a bachelor's degree or higher.

Overall, ZIP code 03254 reflects a community defined by high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

4,996

population

60.31

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

03254 ZIP code map

Cities in ZIP code 03254

Below are the cities the US Postal Service accepts for ZIP code 03254. Using any city not on this list may result in mail delivery delays.

City	Status
Moultonborough	Acceptable
Moultonborough	Preferred

Nearby ZIP codes

03226 Center Harbor (5.3 mi) 03853 Mirror Lake (6.6 mi) 03299 Tilton (7.4 mi) 03298 Tilton (7.4 mi) 03253 Meredith (7.5 mi) 03883 South Tamworth (8.4 mi) 03227 Center Sandwich (9.4 mi) 03246 Laconia (10.7 mi) 03245 Holderness (10.8 mi) 03259 North Sandwich (11.1 mi) 03217 Ashland (11.3 mi) 03814 Center Ossipee (12.5 mi)

Demographics updated 05/2026

Population
Total population	4,996
Population density	83 / sq mi
State FIPS	33
County FIPS	003

Geography
Land area	60.31 sq mi
Water area	15.39 sq mi
Latitude	43.7054
Longitude	-71.3890
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	24.4%	37.9%	31.0%
$50k – $100k	41.6%	32.8%	31.2%
$100k – $200k	21.0%	22.6%	28.1%
Over $200k	13.0%	6.7%	9.7%

Demographics & statistics

4,996

Population

People per sq mi

55.5

Median age

$89,728

Median household income

$59,912

Per capita income

$450,200

Median home value

$1,453

Median monthly rent

89.1%

Home ownership

2.1%

Poverty rate

3.8%

Unemployment

4,790

Housing units

44.5%

Bachelor's or higher

Age distribution

Male Female

Under 5

128

5–9

119

134

10–14

125

15–19

20–24

400

25–34

370

35–44

321

45–54

297

228

55–59

212

308

60–64

286

494

65–74

457

229

75–84

213

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	735	14.7%
18 and over	4,261	85.3%
65 and over	1,506	30.1%
Median age	55.5 years

Race & ethnicity

White 95.5%

Hispanic or Latino 2.1%

Other race 1.6%

Two or more races 0.7%

Group	Count	%
White	4,875	95.5%
Hispanic or Latino	108	2.1%
Other race	81	1.6%
Two or more races	37	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	24.4%	37.9%	31.0%
$50k – $100k	41.6%	32.8%	31.2%
$100k – $200k	21.0%	22.6%	28.1%
Over $200k	13.0%	6.7%	9.7%

Under $10k 1.3%

$10k–$15k 0.1%

$15k–$25k 2.4%

$25k–$35k 4.3%

$35k–$50k 17.2%

$50k–$75k 12.0%

$75k–$100k 18.5%

$100k–$150k 16.6%

$150k–$200k 11.6%

$200k+ 16.0%

Range	% of households
Under $10k	1.3%
$10k–$15k	0.1%
$15k–$25k	2.4%
$25k–$35k	4.3%
$35k–$50k	17.2%
$50k–$75k	12.0%
$75k–$100k	18.5%
$100k–$150k	16.6%
$150k–$200k	11.6%
$200k+	16.0%
Median income	$89,728

Housing

Home values

Under $50k 1.4%

$100k–$150k 5.1%

$150k–$200k 4.8%

$200k–$300k 17.9%

$300k–$500k 29.5%

$500k–$1M 21.6%

$1M+ 19.6%

Housing overview

Metric	Value
Median home value	$450,200
Median rent / month	$1,453
Owner occupied	89.1%
Renter occupied	10.9%
Vacant	57.7%
Single-family detached	93.4%
Large apartment buildings	0.0%
Mobile homes	1.3%
Median rooms	5.5
Avg household size (owned)	2.24

Year built

Era	%
2020 or later	1.0%
2010–2019	5.1%
2000–2009	13.7%
1990–1999	19.6%
1980–1989	19.6%
1970–1979	14.7%
1960–1969	12.4%
1950–1959	4.2%
1940–1949	0.2%
1939 or earlier	9.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.9%
1 bedroom	8.2%
2 bedrooms	18.3%
3 bedrooms	43.4%
4 bedrooms	20.1%
5+ bedrooms	9.1%

Vehicles per household

Vehicles	% of households
No vehicle	1.6%
1 vehicle	23.6%
2 vehicles	46.5%
3 or more	28.4%

Heating fuel

Fuel type	%
Electricity	6.3%
Propane / LP gas	33.0%
Fuel oil	47.1%
Wood	12.8%

Households & families

Household type	Count	%
Married-couple family	1,295	60.9%
Cohabiting couple	144	6.8%
Male householder, no spouse	377	17.7%
Female householder, no spouse	310	14.6%
Households with children under 18	383	18.0%
Households with seniors (65+)	998	46.9%
Average household size	2.35

Marital status

Status	Male	Female
Never married	20.8%	23.4%
Married	58.3%	62.2%
Separated	0.0%	1.6%
Widowed	5.1%	5.3%
Divorced	15.7%	7.5%

Education

Less than 9th grade 0.3%

Some HS, no diploma 3.7%

HS graduate 18.3%

Some college, no degree 19.2%

Associate's degree 14.0%

Bachelor's degree 24.2%

Graduate / professional 20.4%

Metric	%
HS diploma or higher	96.0%
Bachelor's or higher	44.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	30	3.4%
Kindergarten	45	5.0%
Elementary school	410	46.0%
High school	160	17.9%
College / grad school	247	27.7%

Employment

Industry of employment

Education & healthcare 21.9%

Construction 11.5%

Retail trade 10.9%

Manufacturing 10.6%

Other services 10.2%

Professional & management 9.9%

Finance & real estate 8.1%

Arts, food & hospitality 6.8%

Transportation & utilities 3.6%

Information 2.8%

Public administration 2.0%

Wholesale trade 1.7%

Occupation

Category	%
Management, business & arts	40.6%
Service	18.5%
Sales & office	15.6%
Natural resources & construction	11.7%
Production & transportation	13.7%

Employment type

Type	%
Private sector	76.5%
Government	9.4%
Self-employed	14.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	63.5%
Carpool	11.9%
Public transit	1.2%
Walk	1.6%
Work from home	21.5%
Other means	0.3%
Avg commute (minutes)	23.3

Poverty

All people 2.1%

Under 18 years 4.6%

18 and over 1.6%

Married-couple families 0.4%

Female-led households 12.7%

Income support

Source	% of households
Social Security	51.0%
Retirement income	33.2%
Supplemental Security	6.3%
Cash public assistance	1.7%
Food stamps / SNAP	3.2%

Health indicators

Condition	%
Obesity	28.2%
High blood pressure	33.8%
High cholesterol	38.3%
Diabetes	10.1%
Heart disease	7.4%
Stroke	3.2%
Asthma	10.2%
Arthritis	29.7%
Kidney disease	3.1%
Pulmonary disease	7.0%
Cancer	8.8%

Behavior / access	%
Smoking	13.3%
Binge drinking	14.8%
No physical activity	19.9%
Less than 7 hrs sleep	29.2%
Depression	20.1%
Fair or poor health	12.3%
Poor mental health	12.7%
Poor physical health	10.6%
No health insurance	9.3%
Visited doctor (checkup)	72.0%
Visited dentist	68.7%
Cholesterol screening	93.9%
Teeth loss	9.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	416	9.8%

Disability	%
Any disability	15.2%
Under 18	7.6%
18–64 years	12.5%
65 and over	23.9%

Health insurance coverage

Type	%
Private insurance	68.6%
Public insurance	45.8%
No insurance	5.7%
Uninsured under 19	2.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,876	97.6%
Spanish	1	0.0%
Other Indo-European	1	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	4,908	98.2%
Born in same state	4,781	95.7%
Born in different state	1,628	32.6%
Foreign born	127	2.5%
Naturalized citizen	88	1.8%
Not a US citizen	71	80.7%

Ancestry

Ancestry	Count	%
French	932	18.7%
Italian	832	16.7%
German	596	11.9%
Arab	322	6.4%

Ancestry	Count	%
Polish	83	1.7%
Dutch	23	0.5%
English	10	0.2%
Norwegian	7	0.1%

Technology access

Metric	% of households
Computer access	42.6%
Internet access	97.8%

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

Frequently asked questions about ZIP code 03254

What city is ZIP code 03254 in?

ZIP code 03254 is primarily assigned to Moultonborough, New Hampshire.

What county is ZIP code 03254 in?

ZIP code 03254 falls within Carroll County, New Hampshire.

Does ZIP code 03254 have an older population?

30% of residents in ZIP code 03254 are 65 or older, above the national average of ~17%.

Does ZIP code 03254 have a large retiree population?

51% of households in ZIP code 03254 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 03254 mostly owner-occupied?

89% of occupied units in ZIP code 03254 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 03254?

The median home value in ZIP code 03254 is $450,200.

What timezone is ZIP code 03254 in?

ZIP code 03254 observes the EST timezone.