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City · 9,383 residents · Coos County, New Hampshire

Berlin , New Hampshire

In Berlin, a typical home is worth $131,000 and typical rent is $815 a month. Compared with all of Coos County, the typical home value is 31% lower, typical household income is 22% lower, and the share of households that own their home is 12 points lower.

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  • Typical home value

    $131,000

    31% below the county

    67% below New Hampshire

    • Berlin
    • Coos
    • New Hampshire

  • Typical rent

    $815a month

    7% below the county

    45% below New Hampshire

    • Berlin
    • Coos
    • New Hampshire

  • Typical household income

    $45,180a year

    22% below the county

    54% below New Hampshire

    • Berlin
    • Coos
    • New Hampshire

  • Households that own their home

    63%

    12 points below the county

    10 points below New Hampshire

    • Berlin
    • Coos
    • New Hampshire

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$183,670
3.4% less than 12 months ago
Typical rent
$1,323 a month

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Berlin is in Coos County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Coos County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Berlin apart

What this place has that others do not, from public data, most unusual first.

  1. Berlin has the lowest typical rent of the 26 cities in New Hampshire with more than 5,000 people: $815.

  2. Berlin has the lowest typical household income of the 26 cities in New Hampshire with more than 5,000 people: $45,180.

  3. Berlin has the lowest typical home value of the 26 cities in New Hampshire with more than 5,000 people: $131,000.

  4. According to Zillow, in the 12 months to September 2026 the typical home value in Berlin fell 3.4%; in New Hampshire, it rose 2.9%.

  5. 63% of households in Berlin own their home, against 74% in Coos County.

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Berlin

What homes there are in Berlin, 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

The detached house is still the most common home in Berlin, but it weighs less than in Coos County: 52% against 68%.

Year built

The typical home in Berlin was built before 1940, the oldest group the Census tells apart; 75% of homes date from before 1960.

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
Monthly rent with utilities

About 81% of rented homes in Berlin cost less than HUD's 2-bedroom fair market rent for Coos County ($1,195).

With a mortgage

$1,336 a month

Coos County: $1,464 a month

Without a mortgage

$607 a month

Coos County: $688 a month

Owners with a mortgage

45%

Coos County: 41%

In Berlin, 45% of owners have a mortgage, and their typical cost is $1,336 a month, against $1,464 in Coos County. Without one it drops to $607.

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

From 2015–2019 to 2020–2024, the typical home value in Berlin rose 42%; in Coos County, it rose 48%.

Since 2015–2019, the typical rent in Berlin did not change clearly, according to the Census.

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

MeasureBerlinCoos CountyNew HampshireUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.4%0.9%
More than one person per room Unreliable estimate0.7%1.4%3.4%
People per household 2.082.082.442.53
Drive alone 80%76%72%69%
Carpool 9%10%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate4%3%3%
Work from home Unreliable estimate8%17%15%
Other means Unreliable estimate2%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

Much as in Coos County, a household in Berlin has 2.08 people on average.

The car rules in Berlin: 80% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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

Do the math

What would you pay each month for a home in Berlin?

A typical home is tight for the typical income

We start with a typical home in Berlin, worth $131,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 34% of the typical household income in Berlin, which is $45,180 a year. For that payment to be 28% of income, a household would need to earn about $54,425 a year.

The calculator's FHA and conventional loan limits are those of all of Coos County.

Your numbers

Local data
$

Starts at the typical home value in Berlin. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $4,585 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$1,270

at 7.18% · 30 years

Loan amount
$128,627
Total interest
$185,064
Paid off in
November 2056

Includes $2,212 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,054 a month

  • Tight

    $1,054 to $1,355 a month

    Your payment · 34%

  • Hard

    more than $1,355 a month

Compared with the typical household income in Berlin ($45,180 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$1,270
Principal & interest$871
Property tax$286
Home insurance$55
FHA mortgage insurance (MIP)$58

You need at least $4,585 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Berlin and Coos County

Berlin is in Coos County, New Hampshire. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Berlin's own numbers

Typical home value
$131,000
Typical monthly rent
$815
Typical yearly household income
$45,180
Households that own their home
63%
Effective property tax rate
2.62%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Coos County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,195
Price change over 5 years (FHFA)
+87%
Homes in a high flood-risk zone
4.5%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Coos County.

Everything about Coos County

Buying

Buying a home in Berlin

A typical home in Berlin is worth $131,000: 31% below the county and 67% below New Hampshire. With the typical household income in Berlin ($45,180 a year), a typical home costs 2.9 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Berlin 2.9 years
  • Coos 3.3 years
  • New Hampshire 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Coos County

According to FHFA’s house price index, home prices in Coos County rose 135% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Coos County.

Period County New Hampshire U.S.
Last year (2025) +4.2% +4.7% +2.9%
5 years (2020–2025) +87% +66% +47%
10 years (2015–2025) +135% +113% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Berlin next to Coos County, New Hampshire and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Berlin $131,000
  • Coos $188,900
  • New Hampshire $402,500
  • United States $332,700
Typical monthly rent
  • Berlin $815
  • Coos $876
  • New Hampshire $1,491
  • United States $1,413
Typical yearly household income
  • Berlin $45,180
  • Coos $57,677
  • New Hampshire $99,031
  • United States $80,734
See the full table
Berlin next to Coos County and New Hampshire
Measure Berlin Coos County New Hampshire U.S.
Typical home value $131,000 $188,900 $402,500 $332,700
Typical monthly rent $815 $876 $1,491 $1,413
Typical yearly household income $45,180 $57,677 $99,031 $80,734
Households that own their home 63% 74% 73% 65%
Typical yearly property tax $3,437 $3,579 $6,667 $3,119
Effective property tax rate 2.62% 1.89% 1.66% 0.94%
Renters with high rent for their income 44% 44% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Coos County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Berlin

For a typical $131,000 home in Berlin, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Berlin's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $1,270a month

    Least cash to close
    Down payment
    $4,585
    Cash to close
    $8,515
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $58

  • Conventional, 5% down $1,246a month

    Down payment
    $6,550
    Cash to close
    $10,480
    Rate
    7.18%
    Mortgage insurance
    PMI · $62

  • Conventional, 20% down, no PMI $1,051a month

    Down payment
    $26,200
    Cash to close
    $30,130
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $1,172a month

    Down payment
    $19,650
    Cash to close
    $23,580
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Berlin and for Coos County.

Property tax

Effective rate in Berlin

2.62%of the home’s value each year

$3,437 a year for the typical owner in Berlin.

  • Berlin 2.62%
  • Coos 1.89%
  • New Hampshire 1.66%

What New Hampshire publishes Deadline to apply for exemptions and credits: April 15 (New Hampshire General Court (Revised Statutes Annotated))

Exemptions and deadlines in New Hampshire

Flood risk in Coos County

FEMA does not publish these numbers by city: they are for all of Coos County.

Homes in the high-risk zone
4.5%
636
Of those, with NFIP insurance
11%
County New Hampshire U.S.
Homes in the high-risk zone 4.5% 2.8% 3.5%
Of those, with NFIP insurance 11% 26% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Berlin

Typical rent in Berlin is $815 a month: 7% below the county. In Berlin, 44% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Coos County, by unit size. To pay the 2-bedroom one ($1,195 a month) without spending more than 30% of your income, you would need to earn $22.98 an hour working full time.

HUD fair market rent for all of Coos County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $940 $18.08 $37,600
1 bedroom $946 $18.19 $37,840
2 bedrooms $1,195 $22.98 $47,800
3 bedrooms $1,587 $30.52 $63,480
4 bedrooms $1,593 $30.63 $63,720

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Berlin

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Berlin is in ZIP code 03570.

For 2 bedrooms it is $1,170: $25 less than the fair market rent for Coos County ($1,195).

  • 03570 $1,170$1,550

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Berlin when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Berlin

HUD lists 9 buildings with rents for lower incomes in Berlin. These are the largest.

  • Brookside Park 155 Maynesboro St, Berlin 120 low-income homes · 1 bd: 14 · 2 bd: 76 · 3 bd: 30 · In service since 2016 · For families
  • Brookside Park Apartments 101 Mercier St, Berlin 03570 120 low-income homes · For families
  • Northern Lights Housing 25 Success St, Berlin 03570 63 low-income homes · For older adults (603) 752-6259
  • Clarence M. Welch Apts 13 Cole St, Berlin 03570 55 low-income homes · Run by Berlin Housing Authority · Average payment: $400 a month · Average wait: 12 months (603) 752-4240
  • ST. Regis House 421 Main St, Berlin 42 low-income homes · 1 bd: 41 · 2 bd: 1 · In service since 2020 · For older adults, people with disabilities

See all 24 buildings in Coos County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Berlin

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Coos County. The nearest ones are below; many serve by phone or online.

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Berlin

No down payment, repair or rent-help program on our list is for Berlin or Coos County. The ones below are statewide in New Hampshire: they work in Berlin the same as in the rest of the state.

Which programs do I qualify for? All programs in New Hampshire

  • New Hampshire Housing Cash Downpayment Assistance

    Statewide in New Hampshire

    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

    See the program Official page

  • 1stGenHomeNH

    Statewide in New Hampshire

    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

    See the program Official page

Housing counselors near Berlin

The HUD-approved agencies closest to the center of Berlin, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Affordable Housing, Education and Development, Inc. (AHEAD)

    262 Cottage St Ste 130, Littleton · 27 miles away

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (603) 444-1377

  • The Housing Partnership

    222 International Dr Ste 165, Portsmouth · 100 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 2 more
    (603) 431-3620

  • Neighborworks of Southern New Hampshire

    801 Elm St, Manchester · 104 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
    (603) 626-4663

All counseling agencies in New Hampshire

Help in Spanish near Berlin

None of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Berlin

HUD’s record names them for Berlin or Coos County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Berlin Housing Authority Public housing and Section 8 vouchers (603) 752-4240

2 other authorities have an office in Coos County: see the list Source: HUD

Cities

Nearby cities

The cities closest to Berlin, with the typical home value.

Everything about Coos County Housing in New Hampshire

Neighboring counties

If Coos County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Berlin.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Berlin

Short answers with the numbers for Berlin and all of Coos County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Berlin?

The typical home value in Berlin is $131,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Coos County it is $188,900.

How much does it cost to rent in Berlin?

Typical rent in Berlin is $815 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Coos County is $1,195.

What is the FHA loan limit in Berlin?

Berlin uses the FHA limit for all of Coos County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Berlin?

The typical homeowner in Berlin pays $3,437 a year, according to the U.S. Census Bureau. That is 2.62% of the home’s value; in Coos County, the rate is 1.89%.

Where can I find free help to buy or rent in Berlin?

We found no HUD-approved counseling agencies with an office in Coos County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).