Concord, NH home prices
Typical home $486,263 · +3.1% in a year · income needed $154,600
The Concord, NH metro area ranks 82 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +3.1% in a year and +37.8% over five years. With 20% down at 7.11%, the typical home costs about $3,608 a month including 1.85% property tax (Merrimack County rate).
Mortgage on the typical Concord home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $97,253 | $389,011 | $2,617 | $0 | $991 | $3,608 | $154,600 |
| 10% down | $48,626 | $437,637 | $2,944 | $182 | $991 | $4,117 | $176,500 |
| 5% down | $24,313 | $461,950 | $3,108 | $192 | $991 | $4,291 | $183,900 |
| 3.5% down (FHA) | $17,019 | $477,456 | $3,212 | $215 | $991 | $4,418 | $189,300 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.85% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Counties in the Concord area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Merrimack County, NH | $486,268 | +3.1% | 1.85% |
What can you afford in New Hampshire on your salary? · New Hampshire home prices · Salaries in New Hampshire
Frequently asked questions
How much is a house in Concord?
The typical home in the Concord, NH metro area is worth $486,263 (Zillow, September 2026).
What salary do you need to buy a house in Concord?
About $154,600 a year for the typical home with 20% down at 7.11%.