03864 ZIP Code — Ossipee, NH

Carroll County, New Hampshire

ZIP code 03864 is located in Ossipee, New Hampshire, within Carroll County. It covers approximately 40.22 square miles and serves a population of 1,934 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 603.

About ZIP code 03864

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $262,100. Owner-occupancy is high at 95%, well above the national average.

The gap between median ($66,563) and mean household income suggests income inequality — a small number of higher earners pull the average up. 60% 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 27 minutes is near the national average.

Educational attainment is near the national average, with 22% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 03864 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

1,934
population
40.22
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
03864 ZIP code map
Cities in ZIP code 03864

Below are the cities the US Postal Service accepts for ZIP code 03864. Using any city not on this list may result in mail delivery delays.

City Status
Ossipee Preferred
Nearby ZIP codes
03882 Effingham (4.5 mi) 03814 Center Ossipee (5.9 mi) 03830 East Wakefield (6.7 mi) 03894 Wolfeboro (7.3 mi) 03872 Sanbornville (8.3 mi) 03836 Freedom (9.7 mi) 03853 Mirror Lake (9.7 mi) 03890 West Ossipee (10.3 mi) 04047 Parsonsfield (10.5 mi) 04095 West Newfield (11.6 mi) 03883 South Tamworth (12.3 mi) 03875 Silver Lake (13.3 mi)
Demographics updated 05/2026
Population
Total population 1,934
Population density 48 / sq mi
State FIPS 33
County FIPS 003
Geography
Land area 40.22 sq mi
Water area 0.40 sq mi
Latitude 43.6921
Longitude -71.1132
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 46.0% 37.9% 31.0%
$50k – $100k 36.4% 32.8% 31.2%
$100k – $200k 11.2% 22.6% 28.1%
Over $200k 6.4% 6.7% 9.7%

Demographics & statistics

1,934
Population
48
People per sq mi
59.1
Median age
$66,563
Median household income
$62,112
Per capita income
$262,100
Median home value
$0
Median monthly rent
95.4%
Home ownership
11.5%
Poverty rate
4.3%
Unemployment
981
Housing units
22.0%
Bachelor's or higher

Age distribution

Male Female
40
Under 5
30
23
5–9
18
12
10–14
10
53
15–19
40
14
20–24
11
33
25–34
25
73
35–44
56
166
45–54
127
175
55–59
133
72
60–64
55
258
65–74
197
151
75–84
115
27
85+
20
← Male
Female →

Age summary

GroupCount%
Under 181658.5%
18 and over1,76991.5%
65 and over76839.7%
Median age59.1 years

Race & ethnicity

White 88.8%
Black or African American 9.3%
Two or more races 1.4%
Asian 0.5%
GroupCount%
White1,71788.8%
Black or African American1799.3%
Two or more races281.4%
Asian100.5%

Household income

Income range This ZIP County avg State avg
Under $50k 46.0% 37.9% 31.0%
$50k – $100k 36.4% 32.8% 31.2%
$100k – $200k 11.2% 22.6% 28.1%
Over $200k 6.4% 6.7% 9.7%
Under $10k 9.2%
$10k–$15k 3.2%
$15k–$25k 13.5%
$25k–$35k 2.9%
$35k–$50k 5.1%
$50k–$75k 23.1%
$75k–$100k 8.9%
$100k–$150k 13.3%
$150k–$200k 6.7%
$200k+ 14.2%
Range% of households
Under $10k9.2%
$10k–$15k3.2%
$15k–$25k13.5%
$25k–$35k2.9%
$35k–$50k5.1%
$50k–$75k23.1%
$75k–$100k8.9%
$100k–$150k13.3%
$150k–$200k6.7%
$200k+14.2%
Median income$66,563

Housing

Home values

$50k–$100k 11.9%
$100k–$150k 9.3%
$150k–$200k 14.4%
$200k–$300k 29.7%
$300k–$500k 22.3%
$500k–$1M 6.8%
$1M+ 5.5%

Housing overview

MetricValue
Median home value$262,100
Median rent / month$0
Owner occupied95.4%
Renter occupied4.6%
Vacant29.0%
Single-family detached81.6%
Large apartment buildings0.0%
Mobile homes16.1%
Median rooms5.4
Avg household size (owned)2.49

Year built

Era%
2020 or later0.0%
2010–20194.6%
2000–200932.0%
1990–19993.7%
1980–198915.5%
1970–197911.0%
1960–19692.5%
1950–19594.8%
1940–19497.4%
1939 or earlier18.4%

Bedrooms

Size% of units
No bedroom (studio)1.3%
1 bedroom9.5%
2 bedrooms18.5%
3 bedrooms51.9%
4 bedrooms13.5%
5+ bedrooms5.3%

Vehicles per household

Vehicles% of households
No vehicle1.0%
1 vehicle37.9%
2 vehicles37.9%
3 or more23.2%

Heating fuel

Fuel type%
Electricity6.3%
Propane / LP gas21.5%
Fuel oil51.5%
Wood20.7%

Households & families

Household typeCount%
Married-couple family43460.3%
Cohabiting couple91.3%
Male householder, no spouse14219.7%
Female householder, no spouse13518.8%
Households with children under 1811215.6%
Households with seniors (65+)41257.2%
Average household size2.46

Marital status

StatusMaleFemale
Never married16.5%19.3%
Married57.8%59.8%
Separated0.5%0.0%
Widowed3.2%10.2%
Divorced22.0%10.7%

Education

Less than 9th grade 1.4%
Some HS, no diploma 4.6%
HS graduate 33.0%
Some college, no degree 19.1%
Associate's degree 19.8%
Bachelor's degree 13.8%
Graduate / professional 8.2%
Metric%
HS diploma or higher94.0%
Bachelor's or higher22.0%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool199.6%
Kindergarten31.5%
Elementary school6030.5%
High school8643.7%
College / grad school2914.7%

Employment

Industry of employment

Education & healthcare 30.1%
Public administration 17.6%
Manufacturing 11.7%
Construction 10.7%
Retail trade 8.2%
Other services 6.7%
Arts, food & hospitality 4.3%
Professional & management 3.8%
Finance & real estate 3.7%
Transportation & utilities 1.8%
Agriculture & mining 1.5%

Occupation

Category%
Management, business & arts29.3%
Service28.7%
Sales & office12.9%
Natural resources & construction21.0%
Production & transportation8.2%

Employment type

Type%
Private sector56.1%
Government26.9%
Self-employed16.2%
Unpaid family workers0.9%

Commute

Method%
Drive alone85.5%
Carpool6.3%
Public transit0.0%
Walk0.0%
Work from home8.2%
Other means0.0%
Avg commute (minutes)27.3

Poverty

All people 11.5%
Under 18 years 21.8%
18 and over 10.4%
Married-couple families 2.5%
Female-led households 51.4%

Income support

Source% of households
Social Security60.4%
Retirement income30.6%
Supplemental Security2.6%
Cash public assistance7.5%
Food stamps / SNAP7.1%

Health indicators

Condition%
Obesity30.1%
High blood pressure35.1%
High cholesterol35.6%
Diabetes11.0%
Heart disease8.4%
Stroke3.8%
Asthma11.0%
Arthritis30.8%
Kidney disease3.4%
Pulmonary disease9.1%
Cancer8.3%
Behavior / access%
Smoking18.5%
Binge drinking15.3%
No physical activity25.7%
Less than 7 hrs sleep31.8%
Depression22.0%
Fair or poor health16.4%
Poor mental health15.1%
Poor physical health12.9%
No health insurance13.5%
Visited doctor (checkup)70.2%
Visited dentist59.5%
Cholesterol screening90.8%
Teeth loss15.1%

Veterans & disability

VeteransCount%
Civilian veterans21312.0%
Disability%
Any disability17.4%
Under 1811.5%
18–64 years12.5%
65 and over25.6%

Health insurance coverage

Type%
Private insurance66.6%
Public insurance45.5%
No insurance9.3%
Uninsured under 1914.2%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only1,86496.4%
Spanish00.0%
Other Indo-European00.0%
Asian & Pacific Islander00.0%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)1,76491.2%
Born in same state1,75790.8%
Born in different state71036.7%
Foreign born70.4%
Naturalized citizen1708.8%
Not a US citizen16597.1%

Ancestry

AncestryCount%
Italian39220.3%
French37919.6%
German1095.6%
AncestryCount%
Arab331.7%
English100.5%

Technology access

Metric% of households
Computer access37.2%
Internet access96.7%

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

Frequently asked questions about ZIP code 03864

What city is ZIP code 03864 in?

ZIP code 03864 is primarily assigned to Ossipee, New Hampshire.

What county is ZIP code 03864 in?

ZIP code 03864 falls within Carroll County, New Hampshire.

Does ZIP code 03864 have an older population?

40% of residents in ZIP code 03864 are 65 or older, above the national average of ~17%.

Does ZIP code 03864 have a large retiree population?

60% of households in ZIP code 03864 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 03864 mostly owner-occupied?

95% of occupied units in ZIP code 03864 are owner-occupied, well above the national average.

Does ZIP code 03864 have a large veteran population?

12% of civilians in ZIP code 03864 are veterans, above the national average of ~7%.

What timezone is ZIP code 03864 in?

ZIP code 03864 observes the EST timezone.

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