03860 ZIP Code — North Conway, NH

Carroll County, New Hampshire

ZIP code 03860 is located in North Conway, New Hampshire, within Carroll County. It covers approximately 23.22 square miles and serves a population of 4,040 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 603.

About ZIP code 03860

The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $317,600. Owner-occupancy sits near the national average at 63%.

Median household income is $67,105. Poverty affects 18% of residents, above the national average. 40% 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 21 minutes is near the national average.

Educational attainment is near the national average, with 38% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 14% of civilians, above the national average of 7%.

Overall, ZIP code 03860 reflects a community defined by economic challenges above the national average, a strong veteran community, and a significant Social Security-dependent population.

4,040

population

23.22

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

03860 ZIP code map

Cities in ZIP code 03860

Below are the cities the US Postal Service accepts for ZIP code 03860. Using any city not on this list may result in mail delivery delays.

City	Status
North Conway	Acceptable
North Conway	Preferred

Nearby ZIP codes

03813 Center Conway (2.6 mi) 03838 Glen (6.8 mi) 03818 Conway (8.5 mi) 03849 Madison (8.6 mi) 04037 Fryeburg (9.5 mi) 04010 Brownfield (10.1 mi) 03845 Intervale (10.2 mi) 03875 Silver Lake (11.5 mi) 03812 Bartlett (11.5 mi) 03846 Jackson (12.1 mi) 03817 Chocorua (12.4 mi) 03836 Freedom (13.6 mi)

Demographics updated 05/2026

Population
Total population	4,040
Population density	174 / sq mi
State FIPS	33
County FIPS	003

Geography
Land area	23.22 sq mi
Water area	0.48 sq mi
Latitude	44.0280
Longitude	-71.0883
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	40.6%	37.9%	31.0%
$50k – $100k	37.0%	32.8%	31.2%
$100k – $200k	19.5%	22.6%	28.1%
Over $200k	3.0%	6.7%	9.7%

Demographics & statistics

4,040

Population

174

People per sq mi

46.1

Median age

$67,105

Median household income

$39,393

Per capita income

$317,600

Median home value

$1,048

Median monthly rent

62.7%

Home ownership

18.2%

Poverty rate

5.4%

Unemployment

2,581

Housing units

37.9%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

102

143

10–14

152

15–19

20–24

328

25–34

347

280

35–44

296

151

45–54

160

200

55–59

211

109

60–64

115

283

65–74

300

191

75–84

202

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	639	15.8%
18 and over	3,401	84.2%
65 and over	1,079	26.7%
Median age	46.1 years

Race & ethnicity

White 97.2%

Two or more races 1.8%

Hispanic or Latino 0.6%

Asian 0.4%

Group	Count	%
White	3,951	97.2%
Two or more races	72	1.8%
Hispanic or Latino	24	0.6%
Asian	17	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	40.6%	37.9%	31.0%
$50k – $100k	37.0%	32.8%	31.2%
$100k – $200k	19.5%	22.6%	28.1%
Over $200k	3.0%	6.7%	9.7%

Under $10k 10.4%

$10k–$15k 7.7%

$15k–$25k 11.4%

$25k–$35k 1.9%

$35k–$50k 8.8%

$50k–$75k 15.8%

$75k–$100k 26.1%

$100k–$150k 8.8%

$150k–$200k 5.2%

$200k+ 3.7%

Range	% of households
Under $10k	10.4%
$10k–$15k	7.7%
$15k–$25k	11.4%
$25k–$35k	1.9%
$35k–$50k	8.8%
$50k–$75k	15.8%
$75k–$100k	26.1%
$100k–$150k	8.8%
$150k–$200k	5.2%
$200k+	3.7%
Median income	$67,105

Housing

Home values

Under $50k 14.8%

$50k–$100k 2.5%

$100k–$150k 5.8%

$150k–$200k 11.3%

$200k–$300k 12.1%

$300k–$500k 27.9%

$500k–$1M 21.7%

$1M+ 3.9%

Housing overview

Metric	Value
Median home value	$317,600
Median rent / month	$1,048
Owner occupied	62.7%
Renter occupied	37.3%
Vacant	41.7%
Single-family detached	55.9%
Large apartment buildings	5.1%
Mobile homes	8.2%
Median rooms	5.2
Avg household size (owned)	2.12

Year built

Era	%
2020 or later	0.0%
2010–2019	2.7%
2000–2009	11.7%
1990–1999	14.9%
1980–1989	21.3%
1970–1979	15.6%
1960–1969	9.2%
1950–1959	6.3%
1940–1949	3.8%
1939 or earlier	14.3%

Bedrooms

Size	% of units
No bedroom (studio)	2.8%
1 bedroom	9.9%
2 bedrooms	28.4%
3 bedrooms	42.3%
4 bedrooms	11.9%
5+ bedrooms	4.7%

Vehicles per household

Vehicles	% of households
No vehicle	2.8%
1 vehicle	56.4%
2 vehicles	27.9%
3 or more	12.9%

Heating fuel

Fuel type	%
Utility gas	4.2%
Electricity	20.0%
Propane / LP gas	28.9%
Fuel oil	41.7%
Wood	5.2%

Households & families

Household type	Count	%
Married-couple family	618	32.1%
Cohabiting couple	85	4.4%
Male householder, no spouse	524	27.2%
Female householder, no spouse	697	36.2%
Households with children under 18	321	16.7%
Households with seniors (65+)	736	38.3%
Average household size	2.03

Marital status

Status	Male	Female
Never married	48.7%	21.8%
Married	36.4%	42.0%
Separated	2.2%	2.9%
Widowed	1.5%	7.9%
Divorced	11.2%	25.4%

Education

Less than 9th grade 2.3%

Some HS, no diploma 2.6%

HS graduate 21.6%

Some college, no degree 31.2%

Associate's degree 4.5%

Bachelor's degree 19.6%

Graduate / professional 18.3%

Metric	%
HS diploma or higher	95.1%
Bachelor's or higher	37.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	10	1.3%
Kindergarten	87	11.7%
Elementary school	389	52.4%
High school	114	15.4%
College / grad school	142	19.1%

Employment

Industry of employment

Education & healthcare 19.1%

Construction 15.9%

Arts, food & hospitality 13.1%

Professional & management 12.2%

Retail trade 10.3%

Other services 6.9%

Manufacturing 6.2%

Information 5.2%

Transportation & utilities 5.1%

Finance & real estate 3.4%

Public administration 1.9%

Agriculture & mining 0.6%

Wholesale trade 0.2%

Occupation

Category	%
Management, business & arts	39.8%
Service	13.6%
Sales & office	28.0%
Natural resources & construction	14.5%
Production & transportation	4.1%

Employment type

Type	%
Private sector	76.1%
Government	15.9%
Self-employed	7.3%
Unpaid family workers	0.7%

Commute

Method	%
Drive alone	67.6%
Carpool	18.9%
Public transit	2.2%
Walk	2.9%
Work from home	8.1%
Other means	0.2%
Avg commute (minutes)	20.5

Poverty

All people 18.2%

Under 18 years 32.7%

18 and over 15.3%

Married-couple families 1.1%

Female-led households 35.9%

Income support

Source	% of households
Social Security	40.1%
Retirement income	15.9%
Supplemental Security	0.7%
Cash public assistance	0.6%
Food stamps / SNAP	12.4%

Health indicators

Condition	%
Obesity	27.7%
High blood pressure	31.3%
High cholesterol	34.6%
Diabetes	9.1%
Heart disease	6.9%
Stroke	3.0%
Asthma	10.4%
Arthritis	27.4%
Kidney disease	2.9%
Pulmonary disease	6.6%
Cancer	8.1%

Behavior / access	%
Smoking	13.4%
Binge drinking	15.7%
No physical activity	19.8%
Less than 7 hrs sleep	29.7%
Depression	20.8%
Fair or poor health	11.9%
Poor mental health	13.6%
Poor physical health	10.2%
No health insurance	10.0%
Visited doctor (checkup)	70.2%
Visited dentist	67.2%
Cholesterol screening	91.9%
Teeth loss	9.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	461	13.6%

Disability	%
Any disability	19.0%
Under 18	6.6%
18–64 years	18.0%
65 and over	29.6%

Health insurance coverage

Type	%
Private insurance	61.5%
Public insurance	47.6%
No insurance	5.2%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,009	99.2%
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)	4,007	99.2%
Born in same state	3,999	99.0%
Born in different state	1,019	25.2%
Foreign born	8	0.2%
Naturalized citizen	33	0.8%
Not a US citizen	33	100.0%

Ancestry

Ancestry	Count	%
Italian	999	24.7%
French	698	17.3%
German	285	7.1%
Arab	87	2.2%

Ancestry	Count	%
English	19	0.5%
Polish	16	0.4%
Irish	2	0%

Technology access

Metric	% of households
Computer access	47.6%
Internet access	97.2%

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

Frequently asked questions about ZIP code 03860

What city is ZIP code 03860 in?

ZIP code 03860 is primarily assigned to North Conway, New Hampshire.

What county is ZIP code 03860 in?

ZIP code 03860 falls within Carroll County, New Hampshire.

Does ZIP code 03860 have an older population?

27% of residents in ZIP code 03860 are 65 or older, above the national average of ~17%.

What is the poverty rate in ZIP code 03860?

18% of residents in ZIP code 03860 live below the poverty line, above the national average.

Does ZIP code 03860 have a large retiree population?

40% of households in ZIP code 03860 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 03860 have a large veteran population?

14% of civilians in ZIP code 03860 are veterans, above the national average of ~7%.

What timezone is ZIP code 03860 in?

ZIP code 03860 observes the EST timezone.