New Hampshire home prices and mortgage costs
Typical home value $510,937 · +2.9% in a year · property tax 1.43%
New Hampshire ranks 10th most expensive of 51 states and D.C. Home values changed +2.9% over the past year and +36.2% over five years. Buying the typical home with 20% down costs about $3,616 a month at 7.11%, which needs a household income of about $155,000.
Cost of the typical New Hampshire home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $102,187 | $408,750 | $2,750 | $0 | $866 | $3,616 | $155,000 |
| 10% down | $51,094 | $459,843 | $3,093 | $192 | $866 | $4,151 | $177,900 |
| 5% down | $25,547 | $485,390 | $3,265 | $202 | $866 | $4,333 | $185,700 |
| 3.5% down (FHA) | $17,883 | $501,683 | $3,375 | $226 | $866 | $4,467 | $191,400 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.43% 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.
Check a specific budget: how much house you can afford in New Hampshire by salary · payment on a $500K home in New Hampshire
Home prices by county in New Hampshire
| County | Typical home | 1-yr change | Tax rate | Payment / month | Income needed |
|---|---|---|---|---|---|
| Rockingham County | $624,657 | +3.2% | 1.58% | $4,494 | $192,600 |
| Hillsborough County | $517,347 | +2.2% | 1.66% | $3,759 | $161,100 |
| Carroll County | $508,169 | +4.2% | 0.99% | $3,408 | $146,100 |
| Belknap County | $507,481 | +2.8% | 1.31% | $3,540 | $151,700 |
| Strafford County | $506,299 | +3.0% | 1.85% | $3,758 | $161,100 |
| Merrimack County | $486,268 | +3.1% | 1.85% | $3,608 | $154,600 |
| Grafton County | $429,567 | +3.5% | 1.72% | $3,142 | $134,700 |
| Cheshire County | $389,037 | +3.0% | 2.16% | $2,988 | $128,100 |
| Sullivan County | $384,641 | +3.9% | 2.14% | $2,949 | $126,400 |
| Coos County | $252,787 | -2.0% | 1.89% | $1,886 | $80,800 |
Metro areas in New Hampshire
Frequently asked questions
What is the average home price in New Hampshire?
The typical home in New Hampshire is worth $510,937 according to the Zillow Home Value Index for September 2026.
How much income do you need to buy a house in New Hampshire?
About $155,000 a year to buy the typical $510,937 home with 20% down at 7.11%, keeping housing under 28% of income.
What is the property tax rate in New Hampshire?
The typical effective rate is 1.43% of the home's value a year (median taxes paid divided by median home value, Census ACS 2025).