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City · 21,339 residents · Rockingham County, New Hampshire

Derry , New Hampshire

In Derry, a typical home is worth $391,200 and typical rent is $1,549 a month. Compared with all of Rockingham County, typical household income is 23% lower, the typical home value is 21% lower, and the share of households that own their home is 19 points lower.

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  • Typical home value

    $391,200

    21% below the county

    3% below New Hampshire

    • Derry
    • Rockingham
    • New Hampshire

  • Typical rent

    $1,549a month

    8% below the county

    4% above New Hampshire

    • Derry
    • Rockingham
    • New Hampshire

  • Typical household income

    $91,673a year

    23% below the county

    7% below New Hampshire

    • Derry
    • Rockingham
    • New Hampshire

  • Households that own their home

    59%

    19 points below the county

    14 points below New Hampshire

    • Derry
    • Rockingham
    • New Hampshire

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

Market now, with Zillow data

Zillow data
Typical home value
$503,007
3.3% more than 12 months ago
Typical rent
$2,263 a month
4.2% more than 12 months ago

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

Derry is in Rockingham County. The FHA loan limit ($962,550 for a one-unit home), the fair market rents and the help on this page are those of all of Rockingham County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Derry apart

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

  1. 59% of households in Derry own their home, against 78% in Rockingham County.

  2. Nearby, in East Merrimack, the typical home value is $291,500: 25% less than in Derry ($391,200).

  3. The typical household income in Derry is $91,673, 23% less than in Rockingham County as a whole ($118,331).

  4. The typical home in Derry is worth $391,200, 21% less than in Rockingham County as a whole ($497,500).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Derry

What homes there are in Derry, 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

Homes in Derry are varied: detached houses are the largest group, at 41%, against 65% in Rockingham County.

Year built

In Derry, half of the homes were built before 1982; in Rockingham County, before 1983.

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

With a mortgage

$2,398 a month

Rockingham County: $2,669 a month

Without a mortgage

$997 a month

Rockingham County: $1,137 a month

Owners with a mortgage

71%

Rockingham County: 67%

In Derry, 71% of owners have a mortgage, and their typical cost is $2,398 a month, against $2,669 in Rockingham County. Without one it drops to $997.

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

The Census does not compare Derry with 2015–2019 because its boundaries changed. In Rockingham County, over that time, the typical home value rose 53%.

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

MeasureDerryRockingham CountyNew HampshireUnited States
Rental vacancy 12.8%3.9%4.0%5.5%
Homeowner vacancy Unreliable estimate0.5%0.4%0.9%
More than one person per room Unreliable estimate0.9%1.4%3.4%
People per household 2.402.482.442.53
Drive alone 71%72%72%69%
Carpool 13%6%7%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 14%19%17%15%
Other means Unreliable estimate1%1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

There is more rental housing open in Derry: 12.8% is empty and offered for rent, against 3.9% in Rockingham County.

A household in Derry has 2.40 people on average, about the same as in Rockingham County (2.48).

More people carpool to work in Derry than in Rockingham County: 13% against 6%.

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 Derry?

A typical home costs more than the typical income allows

We start with a typical home in Derry, worth $391,200, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Derry, which is $91,673 a year. For that payment to be 28% of income, a household would need to earn about $151,908 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Derry. 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 $13,692 (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

$3,544

at 7.18% · 30 years

Loan amount
$384,114
Total interest
$552,650
Paid off in
November 2056

Includes $6,606 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,139 a month

  • Tight

    $2,139 to $2,750 a month

  • Hard

    more than $2,750 a month

    Your payment · 46%

Compared with the typical household income in Derry ($91,673 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,544
Principal & interest$2,602
Property tax$606
Home insurance$163
FHA mortgage insurance (MIP)$173

You need at least $13,692 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

Derry and Rockingham County

Derry is in Rockingham 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).

Derry's own numbers

Typical home value
$391,200
Typical monthly rent
$1,549
Typical yearly household income
$91,673
Households that own their home
59%
Effective property tax rate
1.86%

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

Numbers for all of Rockingham County

FHA limit, one-unit home
$962,550
Conventional limit, one unit
$962,550
HUD fair market rent, 2 bedrooms
$2,093–$3,008
Price change over 5 years (FHFA)
+62%
Homes in a high flood-risk zone
4.3%

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 Rockingham County.

Everything about Rockingham County

Buying

Buying a home in Derry

A typical home in Derry is worth $391,200: 21% below the county and 3% below New Hampshire. With the typical household income in Derry ($91,673 a year), a typical home costs 4.3 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.

  • Derry 4.3 years
  • Rockingham 4.2 years
  • New Hampshire 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Rockingham County

According to FHFA’s house price index, home prices in Rockingham County rose 109% in the 10 years through 2025.

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

Period County New Hampshire U.S.
Last year (2025) +4.5% +4.7% +2.9%
5 years (2020–2025) +62% +66% +47%
10 years (2015–2025) +109% +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

Derry next to Rockingham 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
  • Derry $391,200
  • Rockingham $497,500
  • New Hampshire $402,500
  • United States $332,700
Typical monthly rent
  • Derry $1,549
  • Rockingham $1,687
  • New Hampshire $1,491
  • United States $1,413
Typical yearly household income
  • Derry $91,673
  • Rockingham $118,331
  • New Hampshire $99,031
  • United States $80,734
See the full table
Derry next to Rockingham County and New Hampshire
Measure Derry Rockingham County New Hampshire U.S.
Typical home value $391,200 $497,500 $402,500 $332,700
Typical monthly rent $1,549 $1,687 $1,491 $1,413
Typical yearly household income $91,673 $118,331 $99,031 $80,734
Households that own their home 59% 78% 73% 65%
Typical yearly property tax $7,278 $7,839 $6,667 $3,119
Effective property tax rate 1.86% 1.58% 1.66% 0.94%
Renters with high rent for their income 55% 50% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Rockingham 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 Derry

For a typical $391,200 home in Derry, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Derry's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,545a month

    Least cash to close
    Down payment
    $13,692
    Cash to close
    $25,428
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $173

  • Conventional, 5% down $3,473a month

    Down payment
    $19,560
    Cash to close
    $31,296
    Rate
    7.18%
    Mortgage insurance
    PMI · $186

  • Conventional, 20% down, no PMI $2,889a month

    Down payment
    $78,240
    Cash to close
    $89,976
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,251a month

    Down payment
    $58,680
    Cash to close
    $70,416
    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 Derry and for Rockingham County.

Property tax

Effective rate in Derry

1.86%of the home’s value each year

$7,278 a year for the typical owner in Derry.

  • Derry 1.86%
  • Rockingham 1.58%
  • 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 Rockingham County

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

Homes in the high-risk zone
4.3%
3,948
Of those, with NFIP insurance
37%
County New Hampshire U.S.
Homes in the high-risk zone 4.3% 2.8% 3.5%
Of those, with NFIP insurance 37% 26% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Derry

Typical rent in Derry is $1,549 a month: 8% below the county. In Derry, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for each area of Rockingham County; Derry is in Lawrence, MA-NH HUD Metro FMR Area. To pay the 2-bedroom one ($2,367 a month) without spending more than 30% of your income, you would need to earn $45.52 an hour working full time.

Fair market rent by size in Lawrence, MA-NH HUD Metro FMR Area

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 $1,677 $32.25 $67,080
1 bedroom $1,809 $34.79 $72,360
2 bedrooms $2,367 $45.52 $94,680
3 bedrooms $2,820 $54.23 $112,800
4 bedrooms $3,111 $59.83 $124,440

HUD splits this county into 4 areas with different fair market rents: for 2 bedrooms they run from $2,093 to $3,008. The table by area, below, shows which one each town is in.

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

Fair market rent by HUD area in Rockingham County

HUD splits this county into 4 areas, each with its own fair market rent. Find your town in its area's list; the housing agency tells you which one it uses for your voucher.

HUD area Studio1 bd2 bd3 bd4 bdHourly wage, 2 bd
Lawrence, MA-NH HUD Metro FMR Area The area where most people liveDerry is in this area
13 towns in this area

Atkinson town, Chester town, Danville town, Derry town, Fremont town, Hampstead town, Kingston town, Newton town, Plaistow town, Raymond town, Salem town, Sandown town, Windham town

 $1,677$1,809$2,367$2,820$3,111$45.52
Portsmouth-Rochester, NH HUD Metro FMR Area
16 towns in this area

Brentwood town, East Kingston town, Epping town, Exeter town, Greenland town, Hampton town, Hampton Falls town, Kensington town, New Castle town, Newfields town, Newington town, Newmarket town, North Hampton town, Portsmouth city, Rye town, Stratham town

 $1,489$1,600$2,093$2,494$2,813$40.25
Western Rockingham County, NH HUD Metro FMR Area
6 towns in this area

Auburn town, Candia town, Deerfield town, Londonderry town, Northwood town, Nottingham town

 $1,782$1,794$2,347$3,189$3,201$45.13
Boston-Cambridge-Quincy, MA-NH HUD Metro FMR Area
2 towns in this area

Seabrook town, South Hampton town

 $2,440$2,518$3,008$3,584$3,953$57.85

HUD fair market rent by area and size, per month, Fiscal year 2027. The wage is what full-time work must pay to rent 2 bedrooms without spending more than 30% of income. Source: HUD, Fiscal year 2027 Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

By ZIP code

Fair market rent by ZIP code in Derry

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Derry is in ZIP code 03038.

For 2 bedrooms it is $2,110 in all of them.

  • 03038 $2,110$2,770
  • 03038 $2,110$2,770

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Derry 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 Derry

HUD lists 7 buildings with rents for lower incomes in Derry. These are the largest.

  • Fairways 1 Forest Ridge Rd, Derry 176 low-income homes · In service since 1994
  • Franklin Village 8 Laraway Ct, Derry 132 homes, 98 low-income · Studio: 2 · 1 bd: 17 · 2 bd: 113 · In service since 1997
  • Nutfield Heights 3 Hood Rd, Derry 03038 80 homes, 73 low-income · For older adults
  • Derry Meadows 13/14/15 Finch Ct, Derry 03038 51 homes, 50 low-income · For older adults
  • Pillsbury Square 12 W Broadway, Derry 03038 28 low-income homes · For older adults

See all 64 buildings in Rockingham County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Derry

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.

There is 1 HUD-approved agency with an office in Rockingham County; none says it serves in Spanish.

A young man and a young woman look something up together on a laptop.

HUD counseling is free or low-cost

Assistance programs in Derry

No down payment, repair or rent-help program on our list is for Derry or Rockingham County. The ones below are statewide in New Hampshire: they work in Derry 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 Derry

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

  • Neighborworks of Southern New Hampshire

    801 Elm St, Manchester · 12 miles away

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

  • New Hampshire Housing Finance Authority

    32 Constitution Dr, Bedford · 12 miles away

    • Home improvement and repairs
    • Pre-purchase counseling
    (603) 472-8623

  • New Hampshire Housing Finance Authority

    32 Constitution Dr, Bedford · 12 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (603) 310-9287

Every agency in Rockingham County All counseling agencies in New Hampshire

Help in Spanish near Derry

1 of the 3 agencies on this list says it serves 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 Derry

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

  • Derry Housing & Redevelopment Authority Section 8 vouchers (603) 434-8717

4 other authorities have an office in Rockingham County: see the list Source: HUD

Cities

Other cities in Rockingham County

These cities are also in Rockingham County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Rockingham County Housing in New Hampshire

Nearby cities

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

Neighboring counties

If Rockingham 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 Derry.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Derry

Short answers with the numbers for Derry and all of Rockingham 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 Derry?

The typical home value in Derry is $391,200, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Rockingham County it is $497,500.

How much does it cost to rent in Derry?

Typical rent in Derry is $1,549 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Rockingham County is $2,093–$3,008.

What is the FHA loan limit in Derry?

Derry uses the FHA limit for all of Rockingham County (2026): $962,550 for a one-unit home and $1,851,100 for a four-unit home.

How much property tax do owners pay in Derry?

The typical homeowner in Derry pays $7,278 a year, according to the U.S. Census Bureau. That is 1.86% of the home’s value; in Rockingham County, the rate is 1.58%.

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

There is 1 HUD-approved counseling agency with an office in Rockingham County. 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).