ZIP Code 03104 — Manchester, NH Home Prices (2026)

The typical home in ZIP 03104 (Manchester, New Hampshire) is worth about $486,000 at roughly $271 per square foot — 12% more expensive than the Manchester median and 65% more expensive than the typical U.S. home.

$486,000

Typical home value

$271

Price per sq ft

#1 of 5

Manchester ZIPs by value

+12%

vs Manchester median

How 03104 compares

ZIP 03104 is one of the pricier ZIP codes in Manchester: its typical home value of $486,000 ranks #1 of the 5 Manchester ZIP codes we track (the citywide range runs from $423,000 in 03103 to $486,000 in 03104). Per square foot it costs about $271, against $294 for Manchester as a whole, $300 for New Hampshire, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 03104	$486,000	$271
Manchester, NH	$434,000	$294
New Hampshire	$487,000	$300
United States	$294,000	$195

Home value by size in 03104

Using this ZIP’s rate of about $271 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.

Home size	Estimated value
1,000 sq ft	$271,000
1,500 sq ft	$406,500
2,000 sq ft	$542,000
2,500 sq ft	$677,500
3,000 sq ft	$813,000

Salary needed to buy a home in ZIP 03104

To buy the typical $486,000 home in ZIP 03104 with 20% down, you need a household income of roughly $132,000 a year (about $3,090 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $157,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$24,300	$3,830/mo	$164,000/yr
10% (+PMI)	$48,600	$3,670/mo	$157,000/yr
20%	$97,200	$3,090/mo	$132,000/yr

Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.

What your budget buys in ZIP 03104

At about $271 per square foot, here is roughly how much home different budgets get you in ZIP 03104:

Budget	Approx. size	What that looks like locally
$250k	920 sq ft	below the local median — condos, smaller or older homes
$300k	1110 sq ft	below the local median — condos, smaller or older homes
$400k	1480 sq ft	around the typical home here
$500k	1850 sq ft	around the typical home here
$600k	2210 sq ft	around the typical home here

Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 03104 home.

Estimate a specific home in 03104

The estimator below is pre-set to ZIP 03104 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Manchester ZIP codes by home value

Where 03104 sits among Manchester’s 5 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	03104 (this page)	$486,000	$271
2	03109	$473,000	$294
3	03101	$434,000	$268
4	03102	$427,000	$301
5	03103	$423,000	$304

ZIP 03104 home prices: frequently asked

What is the average home price in ZIP code 03104? +

The typical home in ZIP 03104 (Manchester, NH) is worth about $486,000 as of 2026. That is 12% more expensive than the Manchester median of $434,000 and 65% more expensive than the U.S. median of $294,000.

What is the price per square foot in 03104? +

About $271 per square foot in 03104, versus $294 across Manchester and $300 across New Hampshire. At that rate a 1,500 sq ft home runs roughly $406,500 and a 2,500 sq ft home about $677,500.

What salary do you need to buy a house in ZIP 03104? +

For the typical $486,000 home in ZIP 03104, a household income of about $132,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $157,000; with 5% down about $164,000.

Is 03104 an expensive ZIP code? +

Within Manchester, 03104 ranks #1 of 5 ZIP codes by typical home value, which makes it one of the pricier ZIP codes in Manchester. Nationally it is relatively expensive.

See the full Manchester home values page, all New Hampshire cities, or price per square foot by ZIP code nationwide.

Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.