Laconia, NH home prices
Typical home $507,608 · +2.8% in a year · income needed $151,800
The Laconia, NH metro area ranks 73 of 894 U.S. metros for home values (U.S. typical home: $366,157). Prices changed +2.8% in a year and +35.5% over five years. With 20% down at 7.11%, the typical home costs about $3,541 a month including 1.31% property tax (Belknap County rate).
Mortgage on the typical Laconia home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $101,522 | $406,086 | $2,732 | $0 | $809 | $3,541 | $151,800 |
| 10% down | $50,761 | $456,847 | $3,073 | $190 | $809 | $4,073 | $174,600 |
| 5% down | $25,380 | $482,227 | $3,244 | $201 | $809 | $4,254 | $182,300 |
| 3.5% down (FHA) | $17,766 | $498,413 | $3,353 | $225 | $809 | $4,387 | $188,000 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.31% 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 Laconia area
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Belknap County, NH | $507,481 | +2.8% | 1.31% |
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 Laconia?
The typical home in the Laconia, NH metro area is worth $507,608 (Zillow, September 2026).
What salary do you need to buy a house in Laconia?
About $151,800 a year for the typical home with 20% down at 7.11%.