Español

Este sitio también está en español. Leer en español

City · 17,085 residents · Belknap County, New Hampshire

Laconia , New Hampshire

In Laconia, a typical home is worth $340,300 and typical rent is $1,224 a month. Compared with all of Belknap County, typical household income is 21% lower, the typical home value is 9% lower, and the share of households that own their home is 16 points lower.

WhatsApp

  • Typical home value

    $340,300

    9% below the county

    15% below New Hampshire

    • Laconia
    • Belknap
    • New Hampshire

  • Typical rent

    $1,224a month

    5% above the county

    18% below New Hampshire

    • Laconia
    • Belknap
    • New Hampshire

  • Typical household income

    $73,218a year

    21% below the county

    26% below New Hampshire

    • Laconia
    • Belknap
    • New Hampshire

  • Households that own their home

    64%

    16 points below the county

    9 points below New Hampshire

    • Laconia
    • Belknap
    • New Hampshire

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

Market now, with Zillow data

Zillow data
Typical home value
$437,800
2.3% more than 12 months ago
Typical rent
$1,887 a month
10.4% more than 12 months ago

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

Laconia is in Belknap 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 Belknap County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Laconia apart

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

  1. 64% of households in Laconia own their home, against 80% in Belknap County.

  2. Nearby, in Franklin, the typical home value is $262,200: 23% less than in Laconia ($340,300).

  3. The typical household income in Laconia is $73,218, 21% less than in Belknap County as a whole ($92,783).

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

The homes here

Housing in Laconia

What homes there are in Laconia, 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

Detached houses are the majority in Laconia (53%), but less so than in Belknap County (74%).

Year built

In Laconia, half of the homes were built before 1974; in Belknap County, before 1979.

There are fewer big homes in Laconia than in Belknap County: 52% have 3 bedrooms or more, against 58%.

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

$1,932 a month

Belknap County: $2,115 a month

Without a mortgage

$1,051 a month

Belknap County: $869 a month

Owners with a mortgage

59%

Belknap County: 59%

In Laconia, 59% of owners have a mortgage, and their typical cost is $1,932 a month, against $2,115 in Belknap County. Without one it drops to $1,051.

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 typical home value in Laconia rose 76% since 2015–2019, more than in Belknap County (66%).

Rents in Laconia rose faster than in Belknap County: 27% since 2015–2019, against 17%.

The typical household income in Laconia rose 26% over that time; home values changed +76% and rent +27%.

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

MeasureLaconiaBelknap 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 estimateUnreliable estimate1.4%3.4%
People per household 2.292.412.442.53
Drive alone 73%76%72%69%
Carpool 12%8%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate2%3%3%
Work from home 14%14%17%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Laconia has 2.29 people on average, about the same as in Belknap County (2.41).

More people carpool to work in Laconia than in Belknap County: 12% against 8%.

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 Laconia?

A typical home costs more than the typical income allows

We start with a typical home in Laconia, worth $340,300, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 48% of the typical household income in Laconia, which is $73,218 a year. For that payment to be 28% of income, a household would need to earn about $125,580 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Laconia. 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 $11,911 (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

$2,930

at 7.18% · 30 years

Loan amount
$334,136
Total interest
$480,743
Paid off in
November 2056

Includes $5,747 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,708 a month

  • Tight

    $1,708 to $2,197 a month

  • Hard

    more than $2,197 a month

    Your payment · 48%

Compared with the typical household income in Laconia ($73,218 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,930
Principal & interest$2,264
Property tax$374
Home insurance$142
FHA mortgage insurance (MIP)$151

You need at least $11,911 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

Laconia and Belknap County

Laconia is in Belknap 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).

Laconia's own numbers

Typical home value
$340,300
Typical monthly rent
$1,224
Typical yearly household income
$73,218
Households that own their home
64%
Effective property tax rate
1.32%

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

Numbers for all of Belknap County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,620
Price change over 5 years (FHFA)
+77%

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 Belknap County.

Everything about Belknap County

Buying

Buying a home in Laconia

A typical home in Laconia is worth $340,300: 9% below the county and 15% below New Hampshire. With the typical household income in Laconia ($73,218 a year), a typical home costs 4.6 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.

  • Laconia 4.6 years
  • Belknap 4.0 years
  • New Hampshire 4.1 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Belknap County

According to FHFA’s house price index, home prices in Belknap County rose 136% in the 10 years through 2025.

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

Period County New Hampshire U.S.
Last year (2025) +5.7% +4.7% +2.9%
5 years (2020–2025) +77% +66% +47%
10 years (2015–2025) +136% +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

Laconia next to Belknap 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
  • Laconia $340,300
  • Belknap $374,900
  • New Hampshire $402,500
  • United States $332,700
Typical monthly rent
  • Laconia $1,224
  • Belknap $1,167
  • New Hampshire $1,491
  • United States $1,413
Typical yearly household income
  • Laconia $73,218
  • Belknap $92,783
  • New Hampshire $99,031
  • United States $80,734
See the full table
Laconia next to Belknap County and New Hampshire
Measure Laconia Belknap County New Hampshire U.S.
Typical home value $340,300 $374,900 $402,500 $332,700
Typical monthly rent $1,224 $1,167 $1,491 $1,413
Typical yearly household income $73,218 $92,783 $99,031 $80,734
Households that own their home 64% 80% 73% 65%
Typical yearly property tax $4,484 $4,924 $6,667 $3,119
Effective property tax rate 1.32% 1.31% 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 Belknap 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 Laconia

For a typical $340,300 home in Laconia, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Laconia's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,930a month

    Least cash to close
    Down payment
    $11,911
    Cash to close
    $22,120
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $151

  • Conventional, 5% down $2,868a month

    Down payment
    $17,015
    Cash to close
    $27,224
    Rate
    7.18%
    Mortgage insurance
    PMI · $162

  • Conventional, 20% down, no PMI $2,360a month

    Down payment
    $68,060
    Cash to close
    $78,269
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,675a month

    Down payment
    $51,045
    Cash to close
    $61,254
    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 Laconia and for Belknap County.

Property tax

Effective rate in Laconia

1.32%of the home’s value each year

$4,484 a year for the typical owner in Laconia.

  • Laconia 1.32%
  • Belknap 1.31%
  • 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 Belknap County

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

FEMA’s maps count no homes in the high-risk zone in Belknap County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Laconia

Typical rent in Laconia is $1,224 a month: 5% above the county. In Laconia, 55% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Belknap County, by unit size. To pay the 2-bedroom one ($1,620 a month) without spending more than 30% of your income, you would need to earn $31.15 an hour working full time.

HUD fair market rent for all of Belknap 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 $1,117 $21.48 $44,680
1 bedroom $1,283 $24.67 $51,320
2 bedrooms $1,620 $31.15 $64,800
3 bedrooms $2,136 $41.08 $85,440
4 bedrooms $2,409 $46.33 $96,360

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 Laconia

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Laconia is in ZIP code 03246.

For 2 bedrooms it is $1,620: the same as the fair market rent for Belknap County.

  • 03246 $1,620$2,170

A ZIP code counts for Laconia 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 Laconia

HUD lists 18 buildings with rents for lower incomes in Laconia. These are the largest.

  • Mason Lakes/ Wingate 103 Blueberry Ln, Laconia 100 low-income homes · 1 bd: 12 · 2 bd: 44 · 3 bd: 44 · In service since 2003 · For families
  • Lake Village 765 Union Ave, Laconia 75 low-income homes · 1 bd: 70 · 2 bd: 5 · In service since 2004 · For older adults
  • Lake Village Apartments 140 Mechanic St, Laconia 03246 75 low-income homes · For older adults
  • Scott Mill 22 Strafford St, Laconia 60 homes, 50 low-income · In service since 2006 · For families
  • The Tavern 7 Church St, Laconia 50 homes, 48 low-income · 1 bd: 50 · In service since 1999

See all 32 buildings in Belknap County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Laconia

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

A man shakes hands with the specialist who helped him with his loan, in the kitchen of his new home.

HUD counseling is free or low-cost

Assistance programs in Laconia

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

The HUD-approved agencies closest to the center of Laconia, 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 · 41 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 · 43 miles away · Spanish

    Also serves in other languages.

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

  • New Hampshire Housing Finance Authority

    32 Constitution Dr, Bedford · 43 miles away

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

All counseling agencies in New Hampshire

Help in Spanish near Laconia

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 Laconia

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

  • Laconia Housing & Redevelopment Authority Public housing and Section 8 vouchers (603) 524-2112

All housing agencies in New Hampshire Source: HUD

Cities

Nearby cities

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

Everything about Belknap County Housing in New Hampshire

Neighboring counties

If Belknap 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 Laconia.

All guides
Two parents walk hand in hand with their little daughter.

Questions

Housing questions about Laconia

Short answers with the numbers for Laconia and all of Belknap 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 Laconia?

The typical home value in Laconia is $340,300, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Belknap County it is $374,900.

How much does it cost to rent in Laconia?

Typical rent in Laconia is $1,224 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Belknap County is $1,620.

What is the FHA loan limit in Laconia?

Laconia uses the FHA limit for all of Belknap 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 Laconia?

The typical homeowner in Laconia pays $4,484 a year, according to the U.S. Census Bureau. That is 1.32% of the home’s value; in Belknap County, the rate is 1.31%.

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

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