Swanzey, NH—03446
Real Estate Data & Market Trends
Key Metrics at a Glance
Home Price Trends — Swanzey, NH
As of Oct '25, the median home price in Swanzey, NH is $362,000, with a year-over-year change of 5.8%. This indicates that home prices in Swanzey, NH are increasing. According to Zillow, the 1-year price projection is 4.5%, suggesting an increase housing market in the next year.
Cost per Home Type
| Home Type | Median Home Value | YoY % Change |
|---|---|---|
All Homes | $362,000 | 5.8% |
| Single Family | $370,000 | 5.7% |
| Condos | $284,000 | 0.0% |
Cost per Home Size
| Home Size | Median Home Value | YoY % Change |
|---|---|---|
1 Bed | N/A | N/A |
2 Bed | $293,000 | 4.3% |
3 Bed | $378,000 | 5.3% |
4 Bed | $443,000 | 6.0% |
| 5 Bed | N/A | N/A |
% of Housing Stock
Rental Trends — Swanzey, NH
As of July '25, Rentcast reports the average rent in Swanzey, NH is $2,180, with a year-over-year rent change of -18.4%. Per bedroom, the median rent as of July '25 in Swanzey, NH is 1-bedrooms: $2,100, 2-bedrooms: $2,220. The most common rental property sizes in Swanzey, NH are 2-bedroom and 1-bedroom, accounting for 41.6% and 26.2% of the rental stock.
| Type | Median Rent | Average Rent |
|---|---|---|
| Average Rent | $2,200 | $2,180 |
| Studio Rent | N/A | N/A |
| 1 Bed Rent | $2,100 | $2,100 |
| 2 Bed Rent | $2,200 | $2,220 |
| 3 Bed Rent | N/A | N/A |
| 4 Bed Rent | N/A | N/A |
% of Rental Stock
Property Listings — Swanzey, NH
As of Oct '25, Realtor.com reports that the median days on market for a home in Swanzey, NH is 81. This is a increase of 112.0% from last year, suggesting that homes are sitting on the market longer than last year. The percentage of listed homes with a reduced price is 17.0%, representing a small inventory and little supply pressure on home prices.
| Metric | Zip Code Average | Year over Year % Change |
|---|---|---|
Median Listing Price | $479,000 | 36.0% |
Listing Count | 24 | 129.0% |
| Listings as % of Homes | 0.2% | 129.0% |
Days on Market | 81 | 112.0% |
Demographics — Swanzey, NH
As of the latest ACS Survey released in 2023, Swanzey, NH has a population of 6,490, which has increased by 9.2% over the past 5 years. Swanzey, NH is a moderately popular place for families, as children make up 17.7% of the population. The area has a moderately educated workforce, with 30.9% of adult residents holding a bachelor’s degree or higher. There are few residents working remotely, with 6.4% reporting working from home.
| Metric | Latest Census | YoY % Change |
|---|---|---|
Population | 6,490 | 9.2% |
% Under 18 | 17.7% | 1.1% |
% Seniors | 26.9% | 47.0% |
% WFH | 6.4% | -12.3% |
% w/ College Degree | 30.9% | 8.8% |
As of the latest ACS Survey released in 2023, Swanzey, NH is a predominantly white area, with 89.4% of the population identifying as white. The white population has shrunk by 5.3% in the last 5 years. The second most common race or ethnicity in Swanzey, NH is hispanic, making up 3.8% of the population. Foreign-born residents account for 2.7% of the population in Swanzey, NH, and this percentage has decreased by 12.9% as of the ACS Survey 5 years prior, suggesting fewer immigrants are calling the area home.
Race and Ethnicity
| Metric | Latest Census | 5-Year % Change |
|---|---|---|
% White | 89.4% | -5.3% |
% Black | 0.0% | N/A |
% Hispanic | 3.8% | 533.3% |
% Asian | 1.3% | -18.8% |
% Foreign Born | 2.7% | -12.9% |
Mortgage and Risk — Swanzey, NH
According to HUD data as of 2023, there were 115 mortgage originations in Swanzey, NH, of which 77.0% of loans were conventional mortgages. The average loan-to-value was 58.0%, with 22.0% above 90% LTV (very high). This implies large mortgage risk in Swanzey, NH. Investor activity is low, as 0.0% of loans were by investors. 25.0% of loans were cash-out refinances, suggesting many homeowners are tapping equity.
Mortgages
| Metric | Zip Code Average |
|---|---|
Total Loan Originations | 115 |
% Conventional Loans | 77.0% |
% Government Loans | 23.0% |
% Investor Loans | 0.0% |
% Second Loans | 2.0% |
% Cash Out Refinance | 25.0% |
Loan Activity
Rentals and Section 8 — Swanzey, NH
Swanzey, NH lacks sufficient Section 8 program data for analysis.
Section 8 Market Size
Total Units under HUD | 141 |
Total Units Section 8 | 104 |
% Rentals under Section 8 | N/A |
% Occupied Section 8 | 85.1% |
Section 8 Opportunity
| Home Size | HUD Premium | Market Rent | Max HUD Rent |
|---|---|---|---|
| 1 Bedroom | -$610 | $2,100 | $1,490 |
| 2 Bedroom | -$250 | $2,200 | $1,950 |
| 3 Bedroom | N/A | N/A | $2,540 |
| 4 Bedroom | N/A | N/A | $2,590 |
Affordability — Swanzey, NH
Home Price to Income Ratio
| Metric | Zip Code Average |
|---|---|
| Home Price to Income Ratio | 3.7 |
| Median Home Price | $362,000 |
| Median Household Income | $82,300 |