New Hampshire Mortgage Calculator 2026

Calculate your monthly mortgage payment for a home in New Hampshire (NH). The median home price in New Hampshire is $367,200, with an effective property tax rate of 1.77% (ranked #4 nationally). Use our free calculator to compare FHA, VA, USDA, and conventional loan options with real New Hampshire data.

New Hampshire Property Tax Information

New Hampshire has an effective property tax rate of 1.77%, ranking #4 among all 50 states. The median annual property tax is $6,505 ($542/month). Source: Tax Foundation 2025.

New Hampshire Loan Limits 2026

FHA loan limit in New Hampshire: $524,225 (floor) to $1,209,750 (ceiling for high-cost areas). Conforming loan limit: $806,500 (baseline) to $1,209,750 (ceiling). New Hampshire has designated high-cost areas with higher limits.

Estimated Monthly Payment in New Hampshire

For a median-priced home of $367,200 with 20% down ($73,440), at 6.5% interest over 30 years: estimated monthly principal and interest is $1,857, plus $542 in property taxes and approximately $125 in homeowner's insurance, for a total estimated payment of approximately $2,524/month.

New Hampshire Closing Costs

Average closing costs in New Hampshire are $7,034 (1.34% of purchase price), ranked #8 nationally. New Hampshire charges a transfer tax on real estate transactions. Source: Bankrate/LodeStar 2025.

New Hampshire Housing Market 2026

Home prices in New Hampshire have increased 5.8% year-over-year. Average days on market: 20. Inventory level: low. Currently considered a seller's market.

Down Payment Assistance Programs in New Hampshire

New Hampshire offers 2 down payment assistance programs through New Hampshire Housing Finance Authority (NHHFA):

  • Home Flex Plus (forgivable loan): Forgivable after 4 years. Competitive rates. - Up to Up to 4% of loan amount
  • Purchase Rehab Program (second mortgage): For homes needing repairs. Combines purchase and rehab. - Up to Up to 3.5% + rehab funds

Contact NHHFA: https://www.nhhfa.org | Phone: 603-472-8623

Did You Know About New Hampshire?

  • New Hampshire has the 4th highest property tax rate in the nation
  • No state income tax or sales tax
  • Boston proximity drives high demand in southern NH
  • Transfer tax of $7.50 per $1,000 (recently reduced)

Frequently Asked Questions About Buying a Home in New Hampshire

What is the average property tax rate in New Hampshire?

The effective property tax rate in New Hampshire is 1.77%, with a median annual tax of $6,505. This ranks #4 among all states.

What are the FHA loan limits in New Hampshire for 2026?

The FHA loan floor in New Hampshire is $524,225 and the ceiling is $1,209,750 for high-cost areas. The conforming loan limit baseline is $806,500.

How much are closing costs in New Hampshire?

Average closing costs in New Hampshire are $7,034, which is approximately 1.34% of the purchase price.

Are there first-time homebuyer programs in New Hampshire?

Yes, New Hampshire offers 2 down payment assistance programs through New Hampshire Housing Finance Authority, including grants, forgivable loans, and second mortgages.

Is New Hampshire a good place to buy a home in 2026?

With a median home price of $367,200 and low inventory, New Hampshire is currently a seller's market. Home prices have increased 5.8% over the past year.

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Data last updated: 2025-11. This information is for educational purposes only and should not be considered financial advice.