03278 ZIP Code — Warner, NH

Merrimack County, New Hampshire

ZIP code 03278 is located in Warner, New Hampshire, within Merrimack County. It covers approximately 63.47 square miles and serves a population of 3,003 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 603.

About ZIP code 03278

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $306,000. Owner-occupancy sits near the national average at 70%.

The gap between median ($86,806) and mean household income suggests income inequality — a small number of higher earners pull the average up. 37% 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 33 minutes is near the national average.

Educational attainment is near the national average, with 37% of residents holding a bachelor's degree or higher.

3,003

population

63.47

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

03278 ZIP code map

Cities in ZIP code 03278

Below are the cities the US Postal Service accepts for ZIP code 03278. Using any city not on this list may result in mail delivery delays.

City	Status
Warner	Acceptable
Warner	Preferred

Nearby ZIP codes

03221 Bradford (6.5 mi) 03255 Newbury (6.8 mi) 03268 Salisbury (8.9 mi) 03257 New London (9.7 mi) 03287 Wilmot (9.8 mi) 03242 Henniker (9.8 mi) 03303 Concord (9.8 mi) 03233 Elkins (10.2 mi) 03216 Andover (10.5 mi) 03229 Contoocook (11.7 mi) 03752 Goshen (12.1 mi) 03782 Sunapee (12.1 mi)

Demographics updated 05/2026

Population
Total population	3,003
Population density	47 / sq mi
State FIPS	33
County FIPS	013

Geography
Land area	63.47 sq mi
Water area	0.34 sq mi
Latitude	43.3056
Longitude	-71.8734
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	37.1%	30.8%	31.0%
$50k – $100k	28.9%	32.4%	31.2%
$100k – $200k	28.3%	28.6%	28.1%
Over $200k	5.7%	8.1%	9.7%

Demographics & statistics

3,003

Population

People per sq mi

44.7

Median age

$86,806

Median household income

$52,085

Per capita income

$306,000

Median home value

$1,085

Median monthly rent

69.9%

Home ownership

7.6%

Poverty rate

1.5%

Unemployment

1,153

Housing units

36.9%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

243

25–34

275

117

35–44

133

161

45–54

183

133

55–59

151

60–64

100

189

65–74

213

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	535	17.8%
18 and over	2,468	82.2%
65 and over	678	22.6%
Median age	44.7 years

Race & ethnicity

White 91.3%

Two or more races 4.5%

Hispanic or Latino 2.6%

Black or African American 0.9%

Asian 0.7%

Group	Count	%
White	2,815	91.3%
Two or more races	138	4.5%
Hispanic or Latino	79	2.6%
Black or African American	27	0.9%
Asian	23	0.7%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	37.1%	30.8%	31.0%
$50k – $100k	28.9%	32.4%	31.2%
$100k – $200k	28.3%	28.6%	28.1%
Over $200k	5.7%	8.1%	9.7%

Under $10k 2.0%

$10k–$15k 2.5%

$15k–$25k 9.6%

$25k–$35k 12.0%

$35k–$50k 7.9%

$50k–$75k 12.9%

$75k–$100k 6.9%

$100k–$150k 24.7%

$150k–$200k 10.3%

$200k+ 11.2%

Range	% of households
Under $10k	2.0%
$10k–$15k	2.5%
$15k–$25k	9.6%
$25k–$35k	12.0%
$35k–$50k	7.9%
$50k–$75k	12.9%
$75k–$100k	6.9%
$100k–$150k	24.7%
$150k–$200k	10.3%
$200k+	11.2%
Median income	$86,806

Housing

Home values

Under $50k 8.3%

$50k–$100k 1.9%

$100k–$150k 2.2%

$150k–$200k 9.5%

$200k–$300k 26.1%

$300k–$500k 39.7%

$500k–$1M 10.2%

$1M+ 2.1%

Housing overview

Metric	Value
Median home value	$306,000
Median rent / month	$1,085
Owner occupied	69.9%
Renter occupied	30.1%
Vacant	19.3%
Single-family detached	71.2%
Large apartment buildings	3.2%
Mobile homes	4.7%
Median rooms	5.2
Avg household size (owned)	2.58

Year built

Era	%
2020 or later	0.0%
2010–2019	5.3%
2000–2009	11.0%
1990–1999	13.3%
1980–1989	14.1%
1970–1979	8.1%
1960–1969	7.9%
1950–1959	5.4%
1940–1949	2.8%
1939 or earlier	32.1%

Bedrooms

Size	% of units
No bedroom (studio)	3.0%
1 bedroom	13.2%
2 bedrooms	30.9%
3 bedrooms	40.3%
4 bedrooms	7.6%
5+ bedrooms	5.1%

Vehicles per household

Vehicles	% of households
No vehicle	6.8%
1 vehicle	28.1%
2 vehicles	39.5%
3 or more	25.7%

Heating fuel

Fuel type	%
Utility gas	0.5%
Electricity	4.1%
Propane / LP gas	29.5%
Fuel oil	45.2%
Wood	16.3%
No fuel used	2.0%

Households & families

Household type	Count	%
Married-couple family	634	51.6%
Cohabiting couple	87	7.1%
Male householder, no spouse	183	14.9%
Female householder, no spouse	325	26.4%
Households with children under 18	361	29.4%
Households with seniors (65+)	490	39.9%
Average household size	2.33

Marital status

Status	Male	Female
Never married	28.3%	24.5%
Married	53.0%	48.5%
Separated	2.6%	0.0%
Widowed	1.6%	9.1%
Divorced	14.5%	18.0%

Education

Less than 9th grade 2.0%

Some HS, no diploma 4.8%

HS graduate 28.5%

Some college, no degree 18.1%

Associate's degree 9.7%

Bachelor's degree 17.8%

Graduate / professional 19.0%

Metric	%
HS diploma or higher	93.2%
Bachelor's or higher	36.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	42	7.0%
Kindergarten	38	6.3%
Elementary school	193	32.0%
High school	159	26.4%
College / grad school	171	28.4%

Employment

Industry of employment

Education & healthcare 20.2%

Retail trade 13.1%

Arts, food & hospitality 11.8%

Manufacturing 9.8%

Professional & management 9.1%

Construction 7.1%

Public administration 6.9%

Transportation & utilities 6.5%

Finance & real estate 4.2%

Other services 3.2%

Information 2.9%

Agriculture & mining 2.8%

Wholesale trade 2.5%

Occupation

Category	%
Management, business & arts	39.8%
Service	17.4%
Sales & office	15.9%
Natural resources & construction	9.9%
Production & transportation	16.9%

Employment type

Type	%
Private sector	81.2%
Government	12.0%
Self-employed	6.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	80.3%
Carpool	4.7%
Public transit	0.0%
Walk	2.8%
Work from home	12.2%
Other means	0.0%
Avg commute (minutes)	32.8

Poverty

All people 7.6%

Under 18 years 4.7%

18 and over 8.2%

Married-couple families 3.3%

Female-led households 12.7%

Income support

Source	% of households
Social Security	37.3%
Retirement income	25.0%
Supplemental Security	3.7%
Cash public assistance	2.6%
Food stamps / SNAP	9.2%

Health indicators

Condition	%
Obesity	29.4%
High blood pressure	30.8%
High cholesterol	29.2%
Diabetes	8.4%
Heart disease	5.8%
Stroke	2.7%
Asthma	10.9%
Arthritis	27.7%
Kidney disease	2.5%
Pulmonary disease	6.3%
Cancer	7.2%

Behavior / access	%
Smoking	15.4%
Binge drinking	17.6%
No physical activity	17.4%
Less than 7 hrs sleep	31.7%
Depression	24.3%
Fair or poor health	11.6%
Poor mental health	14.3%
Poor physical health	9.7%
No health insurance	9.9%
Visited doctor (checkup)	74.4%
Visited dentist	70.1%
Cholesterol screening	91.6%
Teeth loss	11.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	176	7.1%

Disability	%
Any disability	13.5%
Under 18	6.4%
18–64 years	10.7%
65 and over	28.2%

Health insurance coverage

Type	%
Private insurance	73.9%
Public insurance	35.9%
No insurance	6.7%
Uninsured under 19	5.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,868	95.5%
Spanish	10	0.3%
Other Indo-European	10	0.3%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,890	96.2%
Born in same state	2,862	95.3%
Born in different state	1,470	49.0%
Foreign born	28	0.9%
Naturalized citizen	113	3.8%
Not a US citizen	85	75.2%

Ancestry

Ancestry	Count	%
French	670	22.3%
Italian	440	14.7%
Arab	283	9.4%
German	115	3.8%
English	87	2.9%

Ancestry	Count	%
Polish	30	1%
Irish	26	0.9%
Dutch	19	0.6%
Norwegian	16	0.5%

Technology access

Metric	% of households
Computer access	40.9%
Internet access	90.8%

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

Frequently asked questions about ZIP code 03278

What city is ZIP code 03278 in?

ZIP code 03278 is primarily assigned to Warner, New Hampshire.

What county is ZIP code 03278 in?

ZIP code 03278 falls within Merrimack County, New Hampshire.

Does ZIP code 03278 have a large retiree population?

37% of households in ZIP code 03278 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 03278?

The median home value in ZIP code 03278 is $306,000.

What is the population of ZIP code 03278?

ZIP code 03278 has an estimated population of 3,003 residents, with a density of 47 people per square mile.

What is the median household income in ZIP code 03278?

The median household income in ZIP code 03278 is $86,806, above the national median of ~$75,000.

What timezone is ZIP code 03278 in?

ZIP code 03278 observes the EST timezone.