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State

Data from November 2026

Housing , home prices, rents and assistance in New Hampshire (2026)

In New Hampshire, a typical home is worth $402,500 and the typical rent is $1,491 a month. The FHA limit for a one-unit home runs from $541,287 to $962,550 depending on the county. 5 HUD-approved counseling agencies serve New Hampshire; 1 say they serve you in Spanish.

Most populous:

Typical home value by county

  • Under $280,100
  • $280,100–$362,800
  • $362,800–$374,900
  • $374,900–$421,100
  • $421,100 or more

Tap the map to see each county’s figure and open its page.

Typical home value
$402,500
21% more than the U.S.
U.S.: $332,700
Typical rent per month
$1,491
6% more than the U.S.
U.S.: $1,413
Typical household income
$99,031
23% more than the U.S.
U.S.: $80,734
FHA limit, 1 unit
$541,287 to $962,550
It changes by county. The highest applies in 2 counties.
U.S.: $541,287 to $1,299,500
Property tax
1.66%
of value a year
The typical bill is $6,667 a year.
U.S.: 0.94%

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD)

In short

Living in New Hampshire

In New Hampshire, a typical home is worth $402,500: 21% more than in the United States overall. Prices change a lot by county: from $188,900 in Coos County to $497,500 in Rockingham County. The typical household earns $99,031 a year and the typical rent is $1,491 a month; 48% of renter households spend 30% or more of their income on housing. 73% of households own their home, and the typical property tax is $6,667 a year (about 1.66% of value).

The conforming loan limit for a one-unit home runs from $832,750 to $962,550 depending on the county. To pay HUD’s fair rent for a 2-bedroom apartment in New Hampshire ($2,010) without spending more than 30% of income, you need about $38.65 an hour working full time.

Source: Conforming loan limits (FHFA) Data from 2026 data Conforming loan limits (FHFA) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

The essentials in New Hampshire

More on property tax

  • Deadline to apply for exemptions and credits: April 15

    To get the property tax exemptions or credits this law lists (among them the elderly exemption in RSA 72:39-b), you file a permanent application with the selectmen or assessors by April 15 before the tax rate is set. It is signed under penalty of perjury, on the form of the commissioner of revenue administration. The application shows that you own the property and qualified on April 1 of the first year you claim it; for financial requirements, what counts is your situation when you apply.

    New Hampshire General Court (Revised Statutes Annotated) · Verified October 24, 2026

  • Deadline to apply for a tax abatement: March 1

    If you disagree with your property tax assessment, you can apply in writing to the selectmen or assessors for an abatement (a reduction) of the tax. The deadline is March 1 following the date of the tax notice, and not afterwards. You use the form the law sets, and you must have complied with the requirements of RSA 74.

    New Hampshire General Court (Revised Statutes Annotated) · Verified October 24, 2026

  • State real estate transfer tax (buyer and seller)

    The tax is $0.75 for each $100 (or fraction) of the price, and the law applies that rate to both the buyer and the seller: each pays $0.75 per $100, $1.50 per $100 in all. When the price is $4,000 or less there is a minimum tax of $20. The tax is rounded to the nearest whole dollar.

    New Hampshire General Court (Revised Statutes Annotated) · Verified October 24, 2026

The homes here

Housing in New Hampshire

What homes there are in New Hampshire, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

In New Hampshire, 6 in 10 homes are single-family detached houses, about the same as in the U.S..

Year built

By age, homes in New Hampshire look like those in the U.S.: the typical year built is 1979.

In New Hampshire, 13% of homes have 1 bedroom or none (studios); 57% have 3 bedrooms or more, against 61% in the U.S..

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

Looking at what owner-occupied homes in New Hampshire are worth, the most common range is between $300K and $500K (39%).

Monthly rent with utilities

Looking at what people pay in rent in New Hampshire, the most common range is between $1,000 and $1,499 a month (31%).

With a mortgage

$2,367 a month

United States: $1,963 a month

Without a mortgage

$995 a month

United States: $638 a month

Owners with a mortgage

62%

United States: 61%

Owning costs more in New Hampshire: with a mortgage, the typical cost is $2,367 a month; in the U.S., $1,963. Without one, $995.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Much as in the U.S., the typical home value in New Hampshire rose 54% since 2015–2019.

The typical rent in New Hampshire rose 34% since 2015–2019, about the same as in the U.S. (33%).

Housing prices ran ahead of income in New Hampshire: typical income rose 29%, against +54% for home values and +34% for rent.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureNew HampshireUnited States
Rental vacancy 4.0%5.5%
Homeowner vacancy 0.4%0.9%
More than one person per room 1.4%3.4%
People per household 2.442.53
Drive alone 72%69%
Carpool 7%9%
Public transit 1%3%
Walk or bike 3%3%
Work from home 17%15%
Other means 1%2%
Typical commute 20 to 29 minutes20 to 29 minutes

In New Hampshire, the rental vacancy rate is 4.0%; in the U.S., 5.5%.

In New Hampshire, 1.4% of households live with more than one person per room, against 3.4% in the U.S..

Much as in the U.S., a household in New Hampshire has 2.44 people on average.

In New Hampshire, 72% of workers drive alone to work; in the U.S., 69%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Places

Explore the counties in New Hampshire

Sort by any column. Each name leads to its page.

See the counties page
Population, typical home value, FHA limit, 2-bedroom fair rent and typical income by county in New Hampshire
Hillsborough County426,378$421,100$589,950$1,834–$2,239$103,545
Rockingham County319,082$497,500$962,550$2,093–$3,008$118,331
Merrimack County155,967$367,600$541,287$1,800$97,004
Strafford County132,575$362,800$962,550$2,093$88,570
Grafton County92,120$344,500$541,287$1,719$88,261
Cheshire County77,297$280,100$541,287$1,734$83,329
Belknap County64,659$374,900$541,287$1,620$92,783
Carroll County51,804$388,900$546,250$1,566$86,463
Sullivan County43,715$268,700$541,287$1,596$80,858
Coos County31,271$188,900$541,287$1,195$57,677

Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates Source: FHA mortgage limits (HUD) Data from 2026 data FHA mortgage limits (HUD) Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

Calculator

Work out your payment in New Hampshire

Start from the typical home value in New Hampshire, $402,500, and this week’s average rate. Move the price and the down payment to see your monthly payment. If you already visited a county, the calculator uses its numbers.

More math for New Hampshire

$
%

Estimated monthly payment

$3,580

FHA loan over 30 years, with estimated taxes and insurance.

See the full calculation

Prices and risks

Three official measures that help you decide: how much home prices have changed according to FHFA, how prices compare with the national average according to BEA, and how many homes sit in a flood zone according to FEMA.

Home prices

How have home prices changed?

According to the FHFA House Price Index, home prices in New Hampshire rose 113% in the 10 years through 2025.

Price change each year

Period New Hampshire United States
In 2025 +4.7% +2.9%
5 years (2020–2025) +66% +47%
10 years (2015–2025) +113% +85%

The index follows the prices of the same homes over time (sales and appraisals on loans bought or guaranteed by Fannie Mae and Freddie Mac). It is not the average price of a home. FHFA considers its annual state indexes experimental.

Source: FHFA House Price Index (HPI) Data from 2025 data FHFA House Price Index (HPI)

Cost of living

How expensive are prices here?

According to the Bureau of Economic Analysis (BEA), in 2024 prices in New Hampshire were 4% higher than the U.S. average. Housing rents were 14% higher than nationwide.

Category New Hampshire United States Versus the U.S.
All prices Consumer goods and services 104.2 100.0 4% more
Housing rents What renters pay 114.9 100.6 14% more
Water, power and gas Water, sewer, electricity and gas 133.7 98.4 36% more
Goods Food, clothing, transportation and more 98.6 99.6 1% less
Other services Services other than rent 103.9 100.1 4% more

BEA expresses each index as a percentage of the average U.S. price level: a higher number means higher prices, and a lower one, lower prices.

Source: Regional price parities (BEA) Data from 2024 data Regional price parities (BEA)

Flooding

Is there a flood risk?

According to FEMA, in New Hampshire 2.8% of homes (11,554) are in a high-risk flood zone. Of those homes, 26% have NFIP flood insurance.

  • A high-risk zone (Special Flood Hazard Area) has a 1% or greater chance of flooding each year. 44 CFR 59.1
  • If the home is in that zone and the loan comes from a regulated lender, federal law requires flood insurance for the life of the loan, in communities that take part in the NFIP. 42 U.S.C. 4012a
  • Most homeowners insurance does not cover flood damage. FEMA, FloodSmart
New Hampshire United States
Homes in a high-risk zone 2.8% 3.5%
Of those, with NFIP insurance 26% 48%
All homes with NFIP insurance 1.1% 2.9%

The NFIP is the federal flood insurance program; private policies are not counted. FEMA counts homes with its National Structure Inventory. We add up the county figures FEMA publishes.

Look up your address on FEMA’s map Source: Homes with flood insurance (NFIP, FEMA) As of August 3, 2026 Homes with flood insurance (NFIP, FEMA)

Places

Cities in New Hampshire

The 5 most populous cities with a page. Each one compares its prices and rents with its county.

See the other cities (21)

    Help to buy

    Assistance programs in New Hampshire

    Our list has 2 official programs that help you buy in New Hampshire. Each card says what kind of help it gives and when we checked its official page.

    See all 2 programs
    1. New Hampshire Housing Cash Downpayment Assistance

      New Hampshire state agency cash assistance of $5,000, $10,000 or $15,000 for the down payment with an NH Housing mortgage; open to any buyer who qualifies, not only first-time buyers. Offered by New Hampshire Housing.

      Type not stated Verified November 5, 2026

    2. 1stGenHomeNH

      Limited funds remain, per the source

      New Hampshire state agency help of $10,000 for the down payment, closing costs and the escrow account, as a second mortgage with no interest or payments, repaid when you sell, refinance or leave the home; for first-generation buyers, people who were in foster care, or refugees or asylees. Offered by New Hampshire Housing.

      Deferred Verified November 5, 2026

    Tenant rights

    Tenant rights in New Hampshire

    New Hampshire law answers 4 of these 5 questions, each answer with its citation. Where it says “Data not available”, we have not verified it against the source yet.

    A summary of state law, not legal advice. Cities may have additional rules.

    See every right

    1. How much can they charge for a deposit?

      In New Hampshire, a landlord cannot ask for or accept a security deposit of more than 1 month's rent or $100, whichever is greater.

      N.H. Rev. Stat. Ann. §540-A:6, I(a)

    2. When must they return my deposit?

      In New Hampshire, the landlord must return your security deposit, and any interest owed, within 30 days after the tenancy ends.

      N.H. Rev. Stat. Ann. §540-A:7, I

    3. If I fall behind on rent, what notice must I get?

      In New Hampshire, if you do not pay rent after the landlord demands it, a 7-day eviction notice is enough. The same short period also applies to a few other reasons the law names, such as serious damage to the home.

      N.H. Rev. Stat. Ann. §540:3, II; §540:2, II(a)

    4. How much notice ends a month-to-month rental?

      In New Hampshire, a 30-day eviction notice is enough for any residential rental. In a few cases, such as unpaid rent, 7 days is enough.

      N.H. Rev. Stat. Ann. §540:3, II

    5. Are there limits on late fees?

      Data not available

    The simple kitchen of an apartment, with an electric stove, a refrigerator and wood cabinets.

    Help and advice

    Who can help you in New Hampshire?

    You do not have to do this alone. A HUD-approved housing counselor gives independent advice on buying, renting, late payments and credit, often free or at low cost.

    5 HUD-approved counseling agencies serve New Hampshire; 1 says it serves you in Spanish. Choose your county to see the closest ones with their phone number.

    20 public housing authorities run Section 8 vouchers and public housing in New Hampshire.

    See all 5 agencies See the housing agencies

    Who runs the help in New Hampshire

    • New Hampshire Housing

      New Hampshire Housing was established by statute in 1981. It receives and administers federal, state and other affordable housing resources, and receives no operating funds from the state. It runs programs to help low- and moderate-income people and families get safe and affordable housing. For buyers, it offers single-family mortgage programs to first-time and other homebuyers. It works with a network of lenders and real estate professionals across the state and supports homebuyer and financial education.

      The agency's official page · Verified October 24, 2026

    Where to file a complaint in New Hampshire

    • Where to file a discrimination complaint, and by when

      If you believe you suffered an unlawful discriminatory practice, you can file a written, signed and verified complaint with the State Commission for Human Rights. The complaint must be filed within 180 days after the act of discrimination.

      New Hampshire General Court (Revised Statutes Annotated) · Verified October 24, 2026

    Guides

    Guides for you in New Hampshire

    We picked them with the numbers of New Hampshire. Each one says why it can help you.

    Frequently asked questions about housing in New Hampshire

    What is the FHA limit in New Hampshire in 2026?

    In New Hampshire, the FHA limit for a one-unit home runs from $541,287 to $962,550. The highest is in Rockingham County.

    How much does a typical home cost in New Hampshire?

    The typical home value in New Hampshire is $402,500 (Average 2020–2024, U.S. Census). The highest is in Rockingham County ($497,500) and the lowest in Coos County ($188,900).

    How much does it cost to rent in New Hampshire?

    The typical rent in New Hampshire is $1,491 a month (Average 2020–2024, U.S. Census).

    How much do you need to earn to rent a 2-bedroom apartment in New Hampshire?

    At HUD's average fair market rent in New Hampshire ($2,010, Fiscal year 2027), about $38.65 an hour working full time, so rent stays under 30% of income.

    How much is property tax in New Hampshire?

    The typical property tax in New Hampshire is $6,667 a year, about 1.66% of home value (Average 2020–2024, U.S. Census).

    Where can I find free help in Spanish to buy a home in New Hampshire?

    There are 5 HUD-approved counseling agencies in New Hampshire; 1 says it serves you in Spanish. Each county page lists the closest ones with their phone number.

    Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); Regional price parities (2024 data); Census Bureau cartographic boundary files (2024 data).