Mortgage Calculator — New Hampshire
Pre-filled with New Hampshire's average home price of $430000, property tax rate of 1.9%, and average insurance of $1300/year. Adjust any value below.
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New Hampshire Housing Market
New Hampshire has no income or sales tax but funds government primarily through property taxes — among the highest rates in the nation. Southern NH towns attract Boston commuters and remote workers, driving strong demand near the MA border.
Affordability in New Hampshire
Property taxes averaging nearly 2% significantly impact monthly carrying costs. A $430,000 home carries roughly $680/month in property taxes alone. Southern NH's proximity to Boston employment sustains price appreciation despite high carrying costs.
Key Markets
First-Time Buyer Programs in New Hampshire
Home Preferred / Home Flex
Fixed-rate conventional or FHA loan for first-time and repeat buyers, with income limits.
Home Preferred Plus / Home Flex Plus
The same loans with down payment assistance as a forgivable or deferred second loan.
Programs are run by the New Hampshire Housing (NHHFA). Income limits, price limits and assistance amounts change often — confirm current terms with the agency or an approved lender.
Property Tax in New Hampshire
New Hampshire has no income or sales tax, so local property taxes carry the load and are among the highest in the US. Rates vary sharply from town to town. At New Hampshire's average effective rate of 1.9%, a $430,000 home pays roughly $8,170/year (about $681/month).
New Hampshire Conforming Loan Limit
In 2026, the conforming loan limit is $832,750 in most counties. Designated high-cost areas can go up to $1,249,125. Loans above the limit are jumbo loans and usually need a larger down payment.
Closing Costs in New Hampshire
New Hampshire's real estate transfer tax is $0.75 per $100, charged to both buyer and seller, so buyers pay 0.75% of the price. That adds $3,000+ on a $430K home.
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