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County in New Hampshire

Grafton County, New Hampshire

Grafton County is a county in New Hampshire with 92,120 residents, No. 5 of 10 by population. In Grafton County, the FHA loan limit for a one-unit home is $541,287, and a typical home is worth $344,500. To rent a 2-bedroom apartment at Fair Market Rent ($1,719 a month) without going over 30% of your income, you need to earn about $33.06 an hour.

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  • Typical home price

    $344,500

    −14% vs. New Hampshire +4% vs. U.S.

    Half of owner-occupied homes are worth more and half are worth less.

    • Grafton
    • New Hampshire
    • United States

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

  • Fair market rent, 2 bedrooms

    $1,719 a month

    −14% vs. New Hampshire −2% vs. U.S.

    HUD's reference rent for a two-bedroom apartment, with basic utilities.

    • Grafton
    • New Hampshire
    • United States

    Source: HUD, Fiscal year 2027

  • FHA limit 2026, 1 unit

    $541,287

    FHA national floor limit

    The most you can borrow with an FHA loan for a one-unit home here.

    • Grafton
    • Floor
    • Ceiling

    Source: HUD, 2026 data

  • Property tax

    1.72% of value per year

    +4% vs. New Hampshire +83% vs. U.S.

    $5,925 a year for the typical owner

    • Grafton
    • New Hampshire
    • United States

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

Market now, with Zillow data

Zillow data
Typical home value
$429,567
3.5% more than 12 months ago
Typical rent
$2,345 a month
5.1% more than 12 months ago

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

Data from October 2026

In short

What is housing like in Grafton County today?

With an FHA loan and the minimum down payment, a typical home would cost about $3,081 a month: 42% of the typical household income here. For that payment to be 28% of income, a household would need to earn about $132,051 a year; the typical income here is $88,261. The typical home value is 14% less than in New Hampshire overall.

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

Only here

What sets Grafton County apart

  1. Nearby, in Coos County, the typical home value is $188,900: 45% less than in Grafton County ($344,500).

  2. Among the neighboring counties, Coos County has the lowest typical rent ($876), 33% below the $1,301 in Grafton County.

  3. From 2020 to 2025, home prices in Grafton County rose 80% on FHFA's index, faster than in New Hampshire (66%).

Sources: U.S. Census Bureau (Average 2020–2024); FHFA (2025 data).

The homes here

Housing in Grafton County

What homes there are in Grafton County, 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 Grafton County, 6 in 10 homes are single-family detached houses, about the same as in New Hampshire.

Year built

The typical year built in Grafton County is 1981, about the same as in New Hampshire (1979).

Homes in Grafton County are smaller: 53% have 3 bedrooms or more; in New Hampshire, 57%.

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

By price, most homes in Grafton County sit under the FHA limit for this county ($541,287): about 76%.

Monthly rent with utilities

HUD's 2-bedroom fair market rent (FMR) for this county is $1,719; about 68% of rents in Grafton County are below it.

With a mortgage

$2,070 a month

New Hampshire: $2,367 a month

Without a mortgage

$939 a month

New Hampshire: $995 a month

Owners with a mortgage

52%

New Hampshire: 62%

The typical cost for an owner with a mortgage in Grafton County is $2,070 a month, less than in New Hampshire ($2,367); without one, $939.

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, home values in Grafton County rose at about the same pace as in New Hampshire: 56% against 54%.

Rents in Grafton County rose at about the same pace as in New Hampshire: 37% since 2015–2019, against 34%.

To compare: typical income in Grafton County rose 39%; the home, +56%; the rent, +37%.

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

MeasureGrafton CountyNew HampshireUnited States
Rental vacancy 4.8%4.0%5.5%
Homeowner vacancy Unreliable estimate0.4%0.9%
More than one person per room 0.9%1.4%3.4%
People per household 2.292.442.53
Drive alone 67%72%69%
Carpool 9%7%9%
Public transit 1%1%3%
Walk or bike 5%3%3%
Work from home 17%17%15%
Other means 2%1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes

In Grafton County, the rental vacancy rate is 4.8%, about the same as in New Hampshire.

In Grafton County, 0.9% of households live with more than one person per room, about the same as in New Hampshire.

Households in Grafton County are smaller: 2.29 people on average; in New Hampshire, 2.44.

The car rules in Grafton County: 67% 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 in Grafton County?

A typical home costs more than the typical income allows

We start with a typical home of $344,500, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 42% of the typical household income here, which is $88,261 a year. For that payment to be 28% of income, a household would need to earn about $132,051 a year.

Your numbers

Local data
$

Starts at the typical home value in Grafton County. 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 $12,058 (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

$3,081

at 7.18% · 30 years

Loan amount
$338,260
Total interest
$486,676
Paid off in
November 2056

Includes $5,818 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,059 a month

  • Tight

    $2,059 to $2,648 a month

  • Hard

    more than $2,648 a month

    Your payment · 42%

Compared with the typical household income in Grafton County ($88,261 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,081
Principal & interest$2,291
Property tax$494
Home insurance$144
FHA mortgage insurance (MIP)$152

You need at least $12,058 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.

Buying a home

Buying a home in Grafton County

Here you'll see how prices have changed, how Grafton County compares with New Hampshire and the country, and what you'd pay each month with four kinds of loans.

How have home prices changed?

According to the FHFA House Price Index, home prices in Grafton County rose 120% in the 10 years through 2025. FHFA's index follows the price of the same homes over the years.

Period Here New Hampshire United States
In 2025 +6.8% +4.7% +2.9%
5 years (2020–2025) +80% +66% +47%
10 years (2015–2025) +120% +113% +85%
See each year's change

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 county indexes experimental. Source: FHFA, 2025 data

Grafton County compared with New Hampshire and the United States

Home value, rent and household income, side by side. "Typical" is the median: half are above it and half below.

Typical home value
  • Grafton $344,500
  • New Hampshire $402,500
  • United States $332,700
Typical rent a month
  • Grafton $1,301
  • New Hampshire $1,491
  • United States $1,413
Typical household income a year
  • Grafton $88,261
  • New Hampshire $99,031
  • United States $80,734
See the full table
Grafton compared with New Hampshire and the United States
MeasureHereNew HampshireU.S.
Residents92,1201,394,868334,922,499
Typical home value$344,500$402,500$332,700
Typical household income$88,261$99,031$80,734
Typical rent$1,301$1,491$1,413
Fair Market Rent (2 bedrooms)$1,719$2,010$1,750
Hourly wage to rent a 2-bedroom$33.06$38.65$33.65
Typical property tax$5,925$6,667$3,119
Effective tax rate1.72%1.66%0.94%
Households that own their home71%73%65%
Renters spending 30% or more on rent45%48%51%
FHA limit (1 unit)*$541,287$541,287$541,287

FHA limit: New Hampshire shows the median of its counties; the United States, the national floor. Download CSV

Four ways to pay for a typical home in Grafton County

For a typical $344,500 home at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, the county's property tax, an example homeowners insurance and mortgage insurance when it applies.

Loan Monthly payment Down payment Loan amount Rate Mortgage insurance Cash to close Minimum score
FHA, 3.5% down $3,081 $12,058 $338,260 7.18% FHA MIP · $152 $22,393 580
Conventional, 5% down $3,018 $17,225 $327,275 7.18% PMI · $164 $27,560 620*
Conventional, 20% down, no PMI $2,504 $68,900 $275,600 7.18% None $79,235 620*
ITIN, 15% down (example) $2,823 $51,675 $292,825 8.18% None $62,010 Set by the lender
  • 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? Closing costs

Loan limits

FHA loans in Grafton County use the national floor limit: it isn't a high-cost area. If the loan you need is above these amounts, it doesn't fit FHA or it becomes a "jumbo" loan.

VA loans. If you have full VA entitlement, VA doesn't cap the loan amount. If you've used part of your entitlement, the calculation uses the county limit ($832,750 for one unit). VA loan limits (va.gov)

USDA loans. They're for homes in eligible rural areas and households with incomes within USDA's limit. Check whether the address and your income qualify on the official site. USDA eligibility (usda.gov)

Home type FHA limit Conforming limit
1 unit $541,287 $832,750
2 units $693,050 $1,066,250
3 units $837,700 $1,288,800
4 units $1,041,125 $1,601,750

Source: HUD, 2026 data · Source: FHFA, 2026 data

Taxes and risks

Property tax and flooding in Grafton County

Two costs that change a lot from place to place and that a house payment does include: property tax and, in risk zones, flood insurance.

Property tax

In Grafton County, the typical owner pays $5,925 a year: about 1.72% of the home's value. That is close to the rest of New Hampshire and more than the national average.

  • Grafton 1.72%
  • New Hampshire 1.66%
  • United States 0.94%

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

Is there a flood risk?

According to FEMA, in Grafton County 4.2% of homes (1,250) are in a high-risk flood zone. Of those homes, 18% 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)

Source: FEMA, As of August 3, 2026

Look up your address on FEMA’s map

Owning a home here

Owning a home in Grafton County

The natural hazards FEMA measures in Grafton County, a maintenance plan for your climate and what the trades earn in your area.

Risks to your home

FEMA, National Risk Index 1.20.0 (December 2025)

In Grafton County, FEMA rates the natural hazard risk as relatively moderate.

That rating combines the loss FEMA expects with social vulnerability and community resilience.

In all, FEMA estimates natural hazards cause about $50.4 million in losses a year in Grafton County, across buildings, people and crops.

For homes and buildings, the costliest hazard here is inland flooding, at about $41.1 million in losses a year.

Loss FEMA expects each year to homes and buildings, by hazard
  1. Inland floodingRelatively moderate $41.1 million a year
  2. HurricaneRelatively low $1.6 million a year
  3. EarthquakeRelatively low $700,875 a year
  4. Winter weatherRelatively high $162,040 a year
  5. TornadoVery low $75,747 a year

What it means for your home

The ratings are FEMA's own. FEMA says its data is meant for planning and does not replace a local study. Drought is not shown: FEMA counts its loss in crops only.

National Risk Index, version 1.20.0 (December 2025), retrieved November 6, 2026

FEMA notice: This product uses the Federal Emergency Management Agency's National Risk Index dataset API or downloadable datasets but is not endorsed by FEMA. The Federal Government or FEMA cannot vouch for the data or analyses derived from these data after the data have been retrieved from the Agency's website(s).

Climate and upkeep

Department of Energy (PNNL), 2021 IECC zones

Grafton County is climate zone 6A in the home energy code (IECC): cold.

The zone's number says how hot or cold it gets; the letter says how humid: A is moist, B is dry and C is marine.

  • Spring

    • Book the air conditioner's check-up before the heat: ENERGY STAR advises checking the cooling system in the spring, because contractors get busy once summer comes. ENERGY STAR (EPA)
    • Clean and repair the roof gutters. EPA

  • Summer

    • Seal the air ducts that run through the attic, crawlspace, basement or garage with duct mastic or foil tape, then wrap them in insulation. ENERGY STAR (EPA)
    • Check that the ground slopes away from the house, so water does not collect around the foundation. EPA

  • Fall

    • Book the heating check-up in the fall. If it runs on gas or oil, the technician should check the connections: faulty ones are a fire hazard. ENERGY STAR (EPA)
    • Seal air leaks and add insulation in the attic: ENERGY STAR says it lowers the chance of ice dams on the roof in snowy climates. ENERGY STAR (EPA)

  • Winter

    • Get the house ready for the cold with insulation, caulking and weather stripping, and learn how to keep pipes from freezing. Ready.gov (FEMA)
    • Put clear plastic film over the windows: it is inexpensive, cuts drafts, helps the house feel warmer in winter and reduces moisture on the glass. ENERGY STAR (EPA)

All year

  • Check the air filter every month, especially in heavy-use months. If it looks dirty, change it; change it at least every 3 months. ENERGY STAR (EPA)
  • Test the smoke alarms every month and replace their batteries at least once a year. USFA (FEMA)

Each task comes from the official page beside it. The spring air-conditioning and fall heating check-ups are the timing ENERGY STAR advises; the rest is a suggested order.

Climate zones by county, 2021 IECC

What the trades charge here

BLS, wages for May 2025

TradeTypical hourly wage8 in 10 earn between
Electricians$29.70$22.23 and $43.46
Plumbers, pipefitters and steamfitters$30.91$21.35 and $38.56
Heating, air conditioning and refrigeration mechanics$34.87$24.25 and $41.49
Carpenters$29.48$21.69 and $38.49
Painters, construction and maintenance$23.62$18.31 and $30.44
Maintenance and repair workers, general$23.30$16.72 and $33.51

According to BLS, an electrician earns about $29.70 an hour in the Northern New Hampshire nonmetropolitan area; a plumber, about $30.91.

These are workers' hourly wages, not the price of a job.

BLS publishes no wages for roofers in this area.

Need help paying for a repair?

Renting

Renting in Grafton County

The typical rent in Grafton County is $1,301 a month. HUD also publishes a “fair market rent” by unit size: it's the one programs like Section 8 use.

45% of renter households in Grafton County spend 30% or more of their income on housing. 21% spend half or more.

Fair market rent by size

To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).

Size Fair rent a month Hourly wage Income needed per year
Studio $1,301 $25.02 $52,040
1 bedroom $1,310 $25.19 $52,400
2 bedrooms $1,719 $33.06 $68,760
3 bedrooms $2,331 $44.83 $93,240
4 bedrooms $2,367 $45.52 $94,680

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

Free help in Grafton County

Programs and counseling in Grafton County

There is 1 HUD-approved housing counseling agency in Grafton County. They can help you get ready to buy, with your credit, with rent, or if you've fallen behind on payments.

Official programs for the down payment and loans for buyers. Check which ones you might qualify for with your income and your county.

Two parents walk hand in hand with their little daughter.

HUD counseling is free or low-cost

New Hampshire down payment 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

    No first-time requirement. Run 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

    First-time buyers only. Run by New Hampshire Housing.

    Deferred Verified November 5, 2026

Which programs do I qualify for? See all New Hampshire programs

Help in Spanish in Grafton County

None of the 1 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.

Public housing agencies

They run public housing and Section 8 vouchers (Housing Choice Vouchers) in this county.

  • Lebanon Housing Authority Public housing and Section 8 vouchers (603) 298-5753

Free legal help

If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.

Find legal aid (lsc.gov)

Housing counseling nearby

These agencies have an office in Grafton County. The full list is on the New Hampshire counselors page. Official HUD list. Confirm hours and fees with the agency before you go.

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

    262 Cottage St Ste 130, Littleton

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
    (603) 444-1377
See every agency in New Hampshire

Places

Cities in Grafton County

This site has no city pages of Grafton County. The neighboring counties are below.

See all 2 cities of Grafton County

Nearby counties

Each row compares its typical value, typical rent and FHA limit with Grafton County.

Read next

Guides that help here

We picked them by this county's numbers: what weighs most here is what's worth understanding first.

Frequently asked questions

What is the FHA loan limit in Grafton County in 2026?

Grafton County has an FHA limit of $541,287 for a one-unit home. For 2 units it's $693,050, for 3 it's $837,700 and for 4 it's $1,041,125. It's the national floor limit.

What is the conforming loan limit in Grafton County?

Grafton County has a conforming limit of $832,750 for one-unit conventional loans in 2026. A bigger loan is a “jumbo” loan.

How much does a typical home cost in Grafton County?

The typical home value in Grafton County is $344,500 (Average 2020–2024, U.S. Census). Across New Hampshire it's $402,500.

How much does it cost to rent in Grafton County?

Grafton County has a typical rent of $1,301 a month (Average 2020–2024, U.S. Census). HUD's fair market rent for a 2-bedroom apartment is $1,719 (Fiscal year 2027).

How much do you need to earn to rent a 2-bedroom apartment in Grafton County?

About $33.06 an hour working full time (2,080 hours a year), or $68,760 a year, so the fair market rent of $1,719 stays under 30% of income.

Sources: American Community Survey (Average 2020–2024); FHA mortgage limits (2026 data); Conforming loan limits (2026 data); Fair Market Rents (Fiscal year 2027); Income Limits (Fiscal year 2026); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (As of November 5, 2026); FHFA House Price Index (2025 data); Homes with flood insurance (As of August 3, 2026); National Risk Index (2025 data); IECC climate zones by county (2021 data); Occupational Employment and Wage Statistics (2025 data); Census Bureau cartographic boundary files (2024 data).