New Hampshire Mortgage Rates & Home Prices (2026)
Median price: $445,000 · Avg. rate: 6.84%
New Hampshire Market Overview
$445,000
Median Home Price
6.84%
Avg. 30-Yr Rate
2.09%
Property Tax Rate
71.0%
Homeownership Rate
New Hampshire has no income or sales tax but compensates with very high property taxes. Proximity to Boston drives demand in southern NH. NHHFA offers competitive rates and up to $20,000 in down payment assistance as a second mortgage.
Estimated Monthly Payment
Median home in New Hampshire (20% down, 30-yr fixed)
$3,291/mo
Principal & Interest$2,330
Property Taxes$775
Home Insurance (est.)$185
Total Monthly (PITI)$3,291
Based on a $445,000 home with 20% down ($356,000 loan) at 6.84%. Does not include PMI, HOA, or other fees.
First-Time Buyer Programs in New Hampshire
- NHHFA Home Flex Plus
- NHHFA HomeBuyer Tax Credit
- Home Preferred Plus
Contact your state's Housing Finance Agency for current program availability and requirements.
Rate Comparison: NH Rates
30-Year Fixed6.84%
15-Year Fixed6.06%
5/1 ARM (est.)6.09%
FHA 30-Year6.69%
VA 30-Year6.59%
Rates are estimates based on state averages and may vary by lender and borrower qualifications.
Frequently Asked Questions
Key Stats: NH
FHA Loan Limit$472,030
Median Income$90,845
Cost Index1.18x