03446 ZIP Code — Swanzey, NH

Cheshire County, New Hampshire

ZIP code 03446 is located in Swanzey, New Hampshire, within Cheshire County. It covers approximately 44.33 square miles and serves a population of 6,535 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 603.

About ZIP code 03446

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 $240,800. Owner-occupancy sits near the national average at 72%.

Median household income is $78,451. 42% 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 20 minutes is near the national average.

Educational attainment is near the national average, with 26% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 03446 reflects a community defined by a strong veteran community and a significant Social Security-dependent population.

6,535

population

44.33

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

03446 ZIP code map

Cities in ZIP code 03446

Below are the cities the US Postal Service accepts for ZIP code 03446. Using any city not on this list may result in mail delivery delays.

City	Status
Swanzey	Acceptable
Swanzey	Preferred

Nearby ZIP codes

03470 Winchester (5.3 mi) 03465 Troy (5.3 mi) 03435 Keene (5.5 mi) 03462 Spofford (6.3 mi) 03455 Marlborough (7 mi) 03431 Keene (8.4 mi) 03441 Ashuelot (8.4 mi) 03443 Chesterfield (8.6 mi) 03447 Fitzwilliam (9.9 mi) 03467 Westmoreland (11.3 mi) 03444 Dublin (11.3 mi) 03445 Sullivan (11.4 mi)

Demographics updated 06/2026

Population
Total population	6,535
Population density	147 / sq mi
State FIPS	33
County FIPS	005

Geography
Land area	44.33 sq mi
Water area	0.23 sq mi
Latitude	42.8549
Longitude	-72.2895
Timezone	Eastern (ET)
Area code	603

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	36.9%	36.3%	31.0%
$50k – $100k	36.2%	35.9%	31.2%
$100k – $200k	25.1%	22.5%	28.1%
Over $200k	1.8%	5.4%	9.7%

Demographics & statistics

6,535

Population

147

People per sq mi

50.9

Median age

$78,451

Median household income

$40,204

Per capita income

$240,800

Median home value

$1,375

Median monthly rent

72.1%

Home ownership

8.6%

Poverty rate

1.8%

Unemployment

2,195

Housing units

25.8%

Bachelor's or higher

Age distribution

Male Female

105

Under 5

113

156

5–9

168

228

10–14

244

111

15–19

120

20–24

240

25–34

258

365

35–44

392

419

45–54

449

294

55–59

316

368

60–64

394

503

65–74

540

253

75–84

272

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	1,205	18.4%
18 and over	5,330	81.6%
65 and over	1,622	24.8%
Median age	50.9 years

Race & ethnicity

White 91.6%

Two or more races 4.4%

Hispanic or Latino 3.2%

Other race 0.6%

Asian 0.2%

Group	Count	%
White	6,187	91.6%
Two or more races	294	4.4%
Hispanic or Latino	219	3.2%
Other race	40	0.6%
Asian	14	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	36.9%	36.3%	31.0%
$50k – $100k	36.2%	35.9%	31.2%
$100k – $200k	25.1%	22.5%	28.1%
Over $200k	1.8%	5.4%	9.7%

Under $10k 1.1%

$10k–$15k 1.7%

$15k–$25k 9.9%

$25k–$35k 8.9%

$35k–$50k 9.7%

$50k–$75k 18.1%

$75k–$100k 10.9%

$100k–$150k 27.4%

$150k–$200k 6.4%

$200k+ 6.0%

Range	% of households
Under $10k	1.1%
$10k–$15k	1.7%
$15k–$25k	9.9%
$25k–$35k	8.9%
$35k–$50k	9.7%
$50k–$75k	18.1%
$75k–$100k	10.9%
$100k–$150k	27.4%
$150k–$200k	6.4%
$200k+	6.0%
Median income	$78,451

Housing

Home values

Under $50k 8.8%

$50k–$100k 2.1%

$100k–$150k 2.9%

$150k–$200k 14.9%

$200k–$300k 53.5%

$300k–$500k 17.4%

$500k–$1M 0.5%

Housing overview

Metric	Value
Median home value	$240,800
Median rent / month	$1,375
Owner occupied	72.1%
Renter occupied	27.9%
Vacant	3.4%
Single-family detached	64.1%
Large apartment buildings	5.7%
Mobile homes	8.2%
Median rooms	5.5
Avg household size (owned)	2.38

Year built

Era	%
2020 or later	0.0%
2010–2019	6.0%
2000–2009	20.6%
1990–1999	11.7%
1980–1989	14.2%
1970–1979	11.7%
1960–1969	5.9%
1950–1959	7.5%
1940–1949	1.2%
1939 or earlier	21.2%

Bedrooms

Size	% of units
No bedroom (studio)	2.4%
1 bedroom	9.5%
2 bedrooms	26.6%
3 bedrooms	41.0%
4 bedrooms	14.0%
5+ bedrooms	6.5%

Vehicles per household

Vehicles	% of households
No vehicle	4.2%
1 vehicle	25.3%
2 vehicles	41.5%
3 or more	29.0%

Heating fuel

Fuel type	%
Utility gas	2.9%
Electricity	6.4%
Propane / LP gas	13.9%
Fuel oil	67.0%
Wood	6.8%

Households & families

Household type	Count	%
Married-couple family	1,526	52.6%
Cohabiting couple	515	17.8%
Male householder, no spouse	398	13.7%
Female householder, no spouse	462	15.9%
Households with children under 18	741	25.5%
Households with seniors (65+)	1,099	37.9%
Average household size	2.25

Marital status

Status	Male	Female
Never married	21.8%	22.3%
Married	58.1%	57.1%
Separated	0.0%	2.5%
Widowed	5.8%	9.8%
Divorced	14.3%	8.4%

Education

Less than 9th grade 0.7%

Some HS, no diploma 5.8%

HS graduate 40.6%

Some college, no degree 15.9%

Associate's degree 11.1%

Bachelor's degree 16.9%

Graduate / professional 8.9%

Metric	%
HS diploma or higher	93.5%
Bachelor's or higher	25.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	103	8.3%
Kindergarten	24	1.9%
Elementary school	670	53.9%
High school	217	17.4%
College / grad school	230	18.5%

Employment

Industry of employment

Education & healthcare 26.6%

Manufacturing 13.7%

Retail trade 11.7%

Professional & management 10.6%

Construction 8.2%

Transportation & utilities 7.9%

Public administration 5.0%

Finance & real estate 4.6%

Other services 3.9%

Arts, food & hospitality 3.4%

Wholesale trade 2.8%

Information 0.9%

Agriculture & mining 0.8%

Occupation

Category	%
Management, business & arts	41.6%
Service	12.4%
Sales & office	23.2%
Natural resources & construction	5.2%
Production & transportation	17.6%

Employment type

Type	%
Private sector	80.9%
Government	15.6%
Self-employed	2.9%
Unpaid family workers	0.7%

Commute

Method	%
Drive alone	86.2%
Carpool	4.8%
Public transit	0.0%
Walk	0.3%
Work from home	8.0%
Other means	0.7%
Avg commute (minutes)	20.2

Poverty

All people 8.6%

Under 18 years 8.5%

18 and over 8.6%

Married-couple families 0.7%

Female-led households 41.3%

Income support

Source	% of households
Social Security	42.3%
Retirement income	19.3%
Supplemental Security	7.3%
Cash public assistance	0.0%
Food stamps / SNAP	9.9%

Health indicators

Condition	%
Obesity	31.0%
High blood pressure	29.2%
High cholesterol	27.8%
Diabetes	8.2%
Heart disease	5.8%
Stroke	2.6%
Asthma	10.9%
Arthritis	26.4%
Kidney disease	2.5%
Pulmonary disease	6.4%
Cancer	7.0%

Behavior / access	%
Smoking	15.4%
Binge drinking	18.0%
No physical activity	19.5%
Less than 7 hrs sleep	34.1%
Depression	23.6%
Fair or poor health	12.1%
Poor mental health	15.0%
Poor physical health	10.0%
No health insurance	11.0%
Visited doctor (checkup)	66.8%
Visited dentist	65.6%
Cholesterol screening	90.5%
Teeth loss	12.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	688	12.9%

Disability	%
Any disability	15.8%
Under 18	1.8%
18–64 years	12.7%
65 and over	33.0%

Health insurance coverage

Type	%
Private insurance	71.7%
Public insurance	40.9%
No insurance	4.4%
Uninsured under 19	0.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	6,317	96.7%
Spanish	31	0.5%
Other Indo-European	15	0.2%
Asian & Pacific Islander	16	0.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,425	98.3%
Born in same state	6,400	97.9%
Born in different state	3,525	53.9%
Foreign born	25	0.4%
Naturalized citizen	110	1.7%
Not a US citizen	110	100.0%

Ancestry

Ancestry	Count	%
French	1,080	16.5%
Italian	894	13.7%
German	410	6.3%
Arab	384	5.9%

Ancestry	Count	%
English	103	1.6%
Polish	47	0.7%
Irish	16	0.2%

Technology access

Metric	% of households
Computer access	44.4%
Internet access	91.4%

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

Frequently asked questions about ZIP code 03446

What city is ZIP code 03446 in?

ZIP code 03446 is primarily assigned to Swanzey, New Hampshire.

What county is ZIP code 03446 in?

ZIP code 03446 falls within Cheshire County, New Hampshire.

Does ZIP code 03446 have a large retiree population?

42% of households in ZIP code 03446 receive Social Security income, suggesting a significant retiree or disability population.

Does ZIP code 03446 have a large veteran population?

13% of civilians in ZIP code 03446 are veterans, above the national average of ~7%.

What is the population of ZIP code 03446?

ZIP code 03446 has an estimated population of 6,535 residents, with a density of 147 people per square mile.

What is the median household income in ZIP code 03446?

The median household income in ZIP code 03446 is $78,451, above the national median of ~$75,000.

What timezone is ZIP code 03446 in?

ZIP code 03446 observes the EST timezone.