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City · 10,681 residents · Strafford County, New Hampshire

Durham , New Hampshire

In Durham, a typical home is worth $498,000 and typical rent is $1,302 a month. Compared with all of Strafford County, the typical home value is 37% higher, typical household income is 27% higher, and the share of households that own their home is 13 points lower.

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  • Typical home value

    $498,000

    37% above the county

    24% above New Hampshire

    • Durham
    • Strafford
    • New Hampshire

  • Typical rent

    $1,302a month

    13% below the county

    13% below New Hampshire

    • Durham
    • Strafford
    • New Hampshire

  • Typical household income

    $112,070a year

    27% above the county

    13% above New Hampshire

    • Durham
    • Strafford
    • New Hampshire

  • Households that own their home

    54%

    13 points below the county

    19 points below New Hampshire

    • Durham
    • Strafford
    • New Hampshire

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

Market now, with Zillow data

Zillow data
Typical home value
$698,927
0.6% more than 12 months ago
Typical rent
$3,514 a month

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

Durham is in Strafford 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 Strafford County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Durham apart

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

  1. Nearby, in Rochester, the typical home value is $279,100: 44% less than in Durham ($498,000).

  2. The typical home in Durham is worth $498,000, 37% more than in Strafford County as a whole ($362,800).

  3. The typical household income in Durham is $112,070, 27% more than in Strafford County as a whole ($88,570).

  4. 54% of households in Durham own their home, against 67% in Strafford County.

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

The homes here

Housing in Durham

What homes there are in Durham, 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

No kind of home is the majority in Durham; the largest group, detached houses, adds up to 41%, less than in Strafford County (55%).

Year built

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

$3,025 a month

Strafford County: $2,330 a month

Without a mortgage

$1,406 a month

Strafford County: $975 a month

Owners with a mortgage

63%

Strafford County: 61%

Owning costs more in Durham: with a mortgage, the typical cost is $3,025 a month; in Strafford County, $2,330. Without one, $1,406.

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 Durham with 2015–2019 because its boundaries changed. In Strafford County, over that time, the typical home value rose 54%.

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

MeasureDurhamStrafford CountyNew HampshireUnited States
Rental vacancy Unreliable estimate5.1%4.0%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.4%0.9%
More than one person per room Unreliable estimate1.5%1.4%3.4%
People per household 2.402.392.442.53
Drive alone 43%72%72%69%
Carpool Unreliable estimate6%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 35%4%3%3%
Work from home 16%16%17%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

A household in Durham has 2.40 people on average, about the same as in Strafford County (2.39).

In Durham, 35% of workers walk or bike to work; in Strafford County, 4%.

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 Durham?

A typical home costs more than the typical income allows

We start with a typical home in Durham, worth $498,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 49% of the typical household income in Durham, which is $112,070 a year. For that payment to be 28% of income, a household would need to earn about $196,047 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Durham. 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 $17,430 (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

$4,574

at 7.18% · 30 years

Loan amount
$488,980
Total interest
$703,527
Paid off in
November 2056

Includes $8,410 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,615 a month

  • Tight

    $2,615 to $3,362 a month

  • Hard

    more than $3,362 a month

    Your payment · 49%

Compared with the typical household income in Durham ($112,070 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,574
Principal & interest$3,313
Property tax$834
Home insurance$208
FHA mortgage insurance (MIP)$220

You need at least $17,430 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

Durham and Strafford County

Durham is in Strafford 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).

Durham's own numbers

Typical home value
$498,000
Typical monthly rent
$1,302
Typical yearly household income
$112,070
Households that own their home
54%
Effective property tax rate
2.01%

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

Numbers for all of Strafford County

FHA limit, one-unit home
$962,550
Conventional limit, one unit
$962,550
HUD fair market rent, 2 bedrooms
$2,093
Price change over 5 years (FHFA)
+70%
Homes in a high flood-risk zone
1.8%

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 Strafford County.

Everything about Strafford County

Buying

Buying a home in Durham

A typical home in Durham is worth $498,000: 37% above the county and 24% above New Hampshire. With the typical household income in Durham ($112,070 a year), a typical home costs 4.4 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.

  • Durham 4.4 years
  • Strafford 4.1 years
  • New Hampshire 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Strafford County

According to FHFA’s house price index, home prices in Strafford County rose 120% in the 10 years through 2025.

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

Period County New Hampshire U.S.
Last year (2025) +5.3% +4.7% +2.9%
5 years (2020–2025) +70% +66% +47%
10 years (2015–2025) +120% +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

Durham next to Strafford 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
  • Durham $498,000
  • Strafford $362,800
  • New Hampshire $402,500
  • United States $332,700
Typical monthly rent
  • Durham $1,302
  • Strafford $1,488
  • New Hampshire $1,491
  • United States $1,413
Typical yearly household income
  • Durham $112,070
  • Strafford $88,570
  • New Hampshire $99,031
  • United States $80,734
See the full table
Durham next to Strafford County and New Hampshire
Measure Durham Strafford County New Hampshire U.S.
Typical home value $498,000 $362,800 $402,500 $332,700
Typical monthly rent $1,302 $1,488 $1,491 $1,413
Typical yearly household income $112,070 $88,570 $99,031 $80,734
Households that own their home 54% 67% 73% 65%
Typical yearly property tax $10,001 $6,708 $6,667 $3,119
Effective property tax rate 2.01% 1.85% 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 Strafford 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 Durham

For a typical $498,000 home in Durham, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Durham's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,574a month

    Least cash to close
    Down payment
    $17,430
    Cash to close
    $32,370
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $220

  • Conventional, 5% down $4,483a month

    Down payment
    $24,900
    Cash to close
    $39,840
    Rate
    7.18%
    Mortgage insurance
    PMI · $237

  • Conventional, 20% down, no PMI $3,741a month

    Down payment
    $99,600
    Cash to close
    $114,540
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,201a month

    Down payment
    $74,700
    Cash to close
    $89,640
    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 Durham and for Strafford County.

Property tax

Effective rate in Durham

2.01%of the home’s value each year

$10,001 a year for the typical owner in Durham.

  • Durham 2.01%
  • Strafford 1.85%
  • 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 Strafford County

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

Homes in the high-risk zone
1.8%
635
Of those, with NFIP insurance
14%
County New Hampshire U.S.
Homes in the high-risk zone 1.8% 2.8% 3.5%
Of those, with NFIP insurance 14% 26% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Durham

Typical rent in Durham is $1,302 a month: 13% below the county. In Durham, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Strafford County, by unit size. To pay the 2-bedroom one ($2,093 a month) without spending more than 30% of your income, you would need to earn $40.25 an hour working full time.

HUD fair market rent for all of Strafford 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 $1,489 $28.63 $59,560
1 bedroom $1,600 $30.77 $64,000
2 bedrooms $2,093 $40.25 $83,720
3 bedrooms $2,494 $47.96 $99,760
4 bedrooms $2,813 $54.10 $112,520

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 Durham

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Durham is in ZIP code 03824.

For 2 bedrooms it is $1,980: $113 less than the fair market rent for Strafford County ($2,093).

  • 03824 $1,980$2,430

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

HUD lists 2 buildings with rents for lower incomes in Durham. These are the largest.

  • Bagdad Wood 38 Madbury Rd, Durham 03824 40 low-income homes · For older adults
  • Church Hill Apartments Church Hill RD, Durham 03824 36 homes, 6 low-income · For older adults

See all 43 buildings in Strafford County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Durham

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 Strafford County. The nearest ones are below; many serve by phone or online.

A young woman and a young man point to a line in their notes beside a laptop in a library.

HUD counseling is free or low-cost

Assistance programs in Durham

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

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

  • The Housing Partnership

    222 International Dr Ste 165, Portsmouth · 8 miles away

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

  • Neighborworks of Southern New Hampshire

    801 Elm St, Manchester · 29 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 · 32 miles away

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

All counseling agencies in New Hampshire

Help in Spanish near Durham

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 Durham

In HUD’s record, no housing authority with an office in Strafford County is named for Durham or Strafford County.

3 other authorities have an office in Strafford County: see the list Source: HUD

Cities

Other cities in Strafford County

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

Everything about Strafford County Housing in New Hampshire

Nearby cities

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

Neighboring counties

If Strafford 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 Durham.

All guides
A father, a mother and their daughter smile among the avocado trees by their home in Somis, California.

Questions

Housing questions about Durham

Short answers with the numbers for Durham and all of Strafford 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 Durham?

The typical home value in Durham is $498,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Strafford County it is $362,800.

How much does it cost to rent in Durham?

Typical rent in Durham is $1,302 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Strafford County is $2,093.

What is the FHA loan limit in Durham?

Durham uses the FHA limit for all of Strafford 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 Durham?

The typical homeowner in Durham pays $10,001 a year, according to the U.S. Census Bureau. That is 2.01% of the home’s value; in Strafford County, the rate is 1.85%.

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

We found no HUD-approved counseling agencies with an office in Strafford 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).