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Renting · Section 8

Data from November 2026

Renting in Merrimack County, New Hampshire

Merrimack County has a HUD fair market rent of $1,800 a month for 2 bedrooms (Fiscal year 2027). Renter households here pay a typical rent of $1,360 a month (Average 2020–2024). Paying the fair market rent without going over 30% of income takes $34.62 an hour, full time.

Four numbers to start with

Fair market rent, 2 bedrooms
$1,800
a month, HUD, Fiscal year 2027
10% less than in New Hampshire
Typical rent
$1,360
a month, Census, Average 2020–2024
9% less than in New Hampshire
Wage needed
$34.62
an hour, 2 bedrooms
Or $72,000 a year, to spend no more than 30% of income on rent.
Rent-burdened households
45%
spend 30% or more of income on rent
7% less than in New Hampshire

Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD) (external site) Source: American Community Survey (ACS) 5-year estimates Average 2020–2024 American Community Survey (ACS) 5-year estimates (external site)

Fair market rent

What HUD sets for each size

Every year HUD (the U.S. Department of Housing and Urban Development) publishes a Fair Market Rent (FMR) for each home size in Merrimack County. It is used to work out how much a Section 8 voucher covers. The table shows what you need to earn to pay it without spending more than 30% of income.

The fair market rent covers rent plus basic utilities, except the phone. HUD generally sets it at the 40th percentile: 4 in 10 standard-quality homes rented recently cost less. 24 CFR §888.113(a)

According to Zillow (ZORI), the typical asking rent in Merrimack County was $2,062 a month in September 2026: 2.8% more than 12 months ago. It is an index of market listings, not a HUD limit. Zillow data

Fair market rent and wage needed To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).
Fair market rent and wage needed. To pay the fair market rent without spending more than 30% of income, working full time (40 hours a week).
Size Fair rent per month Hourly wage Income needed per year
Studio $1,253 $24.10 $50,120
1 bedroom $1,376 $26.46 $55,040
2 bedrooms $1,800 $34.62 $72,000
3 bedrooms $2,357 $45.33 $94,280
4 bedrooms $2,366 $45.50 $94,640

HUD area: Merrimack County, NH. Source: HUD, Fiscal year 2027

By ZIP code

The fair market rent for your ZIP code

HUD also publishes fair market rents by ZIP code (Small Area FMRs) for 33 ZIP codes in Merrimack County (Fiscal year 2027). Type yours to see it.

For 2 bedrooms they run from $1,690 in 03243 to $2,460 in 03258. 17 ZIP codes are above the county's fair market rent ($1,800).

Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses. 24 CFR §982.503(a)(1)

Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) (external site)

Rent burden

How many households spend too much

HUD counts rent as a burden when it reaches 30% of income or more. In Merrimack County, 45% of renter households are in that position; in New Hampshire, 48%, and nationwide, 51% (Average 2020–2024, Census).

Paying too much rent leaves little for food, transportation and savings. If that is you, the agencies below can guide you for free.

45%

of renter households spend 30% or more of their income on rent.

16,147 households rent in Merrimack County

  • Spend half or more of their income 20%
  • Spend 30% or more, but less than half 25%
  • Spend less than 30% 55%

Compared with the state and the country

  • Merrimack 45%
  • New Hampshire 48%
  • United States 51%

Low-income apartments

Low-income apartments in Merrimack County

HUD lists 63 properties with homes for low-income households in Merrimack County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest.

with tax credits (LIHTC)
26
HUD-assisted
35
public housing
2

2,630 homes in all; 2,225 of them low-income, according to HUD.

  • Concord Royal Gardens HUD-assisted 21 Concord Gdns, Concord 03301 257 low-income homes · For families
  • Crutchfield Apartments Public housing 15 Pitman St, Concord 03301 220 homes, 203 low-income · Run by Concord Housing Authority · Average payment: $437 a month · Average wait: 12 months · (603) 224-4059
  • Briar Pipe Apartments HUD-assisted 83 Washington St, Penacook 03303 77 homes, 76 low-income · For older adults
  • New Franklin Apartments/75 HUD-assisted 25 Damy Dr, Franklin 03235 76 homes, 75 low-income · For older adults
  • White Rocks Phases I & II Tax credit (LIHTC) 6 Bow Center Rd, Bow 116 homes, 73 low-income · 1 bd: 93 · 2 bd: 23 · In service since 2003 · For older adults
  • Horseshoe Pond Tax credit (LIHTC) 26 Commercial St, Concord 77 homes, 73 low-income · 1 bd: 76 · 2 bd: 1 · In service since 2000
  • Merrimack Heights Tax credit (LIHTC) 514 W River Rd, Hooksett 70 low-income homes · Studio: 2 · 1 bd: 14 · 2 bd: 54 · In service since 1995
  • Firehouse Block - Elderly HUD-assisted 46 Warren St, Concord 03301 68 low-income homes · For older adults · (603) 225-7247
  • Suncook Pond HUD-assisted 1 Suncook Pond Dr, Allenstown 03275 60 low-income homes · For older adults
  • WM Haller Apts Public housing 1 Jennings Dr, Concord 03301 59 low-income homes · Run by Concord Housing Authority · Average payment: $966 a month · (603) 224-4059
  • Friedman Court Family Tax credit (LIHTC) 19 Old Suncook Rd, Concord 54 low-income homes · 1 bd: 3 · 2 bd: 45 · 3 bd: 6 · In service since 2007 · For families
  • Florence V. Hodges Apartments HUD-assisted 205 Loudon Rd, Concord 03301 50 low-income homes · For older adults
  • Meadow Brook HUD-assisted 464 Suncook Valley Hwy, Epsom 03234 50 low-income homes · For older adults
  • Franklin Light and Power Tax credit (LIHTC) 100 Memorial St, Franklin 45 low-income homes · 1 bd: 19 · 2 bd: 26 · In service since 2017 · For families
  • Mennino Place Tax credit (LIHTC) 51 Storrs St, Concord 45 low-income homes · 1 bd: 24 · 2 bd: 21 · In service since 2011 · For families
  • Hollyberry Hill HUD-assisted 319 Londonderry Tpke, Hooksett 03106 44 low-income homes · For older adults
  • Friedman Court Senior Tax credit (LIHTC) 13 Old Suncook Rd, Concord 41 low-income homes · 1 bd: 35 · 2 bd: 6 · In service since 2008 · For older adults
  • Eagles Bluff Phase I Tax credit (LIHTC) 2 Canton Cir, Concord 40 low-income homes · 2 bd: 20 · 3 bd: 20 · In service since 1997
  • Riverside HUD-assisted 68 Lancaster St, Franklin 03235 40 low-income homes · For older adults
  • Rolling Green Tax credit (LIHTC) 67 Main St, Pittsfield 40 low-income homes · 1 bd: 34 · 2 bd: 6 · In service since 2000
  • Rolling Green Village HUD-assisted 67 Main St, Pittsfield 03263 40 low-income homes · For older adults
  • Rush Square Tax credit (LIHTC) 171 Rush Rd, Henniker 40 low-income homes · 1 bd: 40 · In service since 2012 · For older adults
  • Rush Square HUD-assisted 171 Rush Rd, Henniker 03242 40 low-income homes · For older adults
  • The Village at Pembroke Farm HUD-assisted 408 Pembroke St, Pembroke 03275 40 low-income homes · For older adults
  • Eagles Bluff Phase II Tax credit (LIHTC) 80 Canton Cir, Concord 40 homes, 37 low-income · 2 bd: 20 · 3 bd: 20 · In service since 1997
  • Franklin Woods Tax credit (LIHTC) 4 Daniel Webster Dr, Franklin 36 low-income homes · 1 bd: 12 · 2 bd: 24 · In service since 1995
  • Franklin Woods HUD-assisted 11 Plains Ct, Franklin 03235 36 low-income homes · For families
  • New Franklin Apartments/36 HUD-assisted 49 Damy Dr, Franklin 03235 36 low-income homes · For older adults
  • Northfield Village HUD-assisted 25 Spring St, Northfield 03276 36 low-income homes · For older adults
  • North Ridge HUD-assisted 26 North Rd, Warner 03278 35 low-income homes · For older adults
  • Newbury Commons HUD-assisted 52 Newbury Heights Rd, Newbury 03255 34 low-income homes · For older adults
  • The Richard Brown House HUD-assisted 142 S Village Rd, Loudon 03307 33 homes, 32 low-income · For older adults
  • Bittersweet HUD-assisted 12 Pleasant St, New London 03257 32 low-income homes · For older adults
  • West View Terrace Tax credit (LIHTC) 9 Lindsay Rd, Hooksett 30 low-income homes · In service since 1992
  • Boscawen Green HUD-assisted 135 N Main St, Boscawen 03303 24 low-income homes · For older adults
  • Bridgeview Apartments HUD-assisted 87 River Rd, Pittsfield 03263 24 low-income homes · For families
  • Willow Crossing Tax credit (LIHTC) 41 Village St, Penacook 24 low-income homes · 2 bd: 8 · 3 bd: 16 · In service since 2003 · For families
  • Laconia Neighborhood Initiative Tax credit (LIHTC) 26 Pine St, Hill 19 low-income homes · 1 bd: 5 · 2 bd: 9 · 3 bd: 2 · 4 bd: 3 · In service since 2001
  • Bicentennial Square Tax credit (LIHTC) 5 Market Ln, Concord 16 low-income homes · 1 bd: 2 · 2 bd: 14 · In service since 2004 · For families
  • Bow Highlands Phase II Tax credit (LIHTC) Dicandra Drive, Bow 16 low-income homes · 2 bd: 16 · In service since 2015 · For families
  • Mallard Place Tax credit (LIHTC) 12 Mallard Ln, Hooksett 16 low-income homes · 2 bd: 8 · 3 bd: 8 · In service since 2011 · For families
  • Firehouse Block - Family HUD-assisted 46 Warren St, Concord 03301 15 low-income homes · For families
  • Mill House Tax credit (LIHTC) 30 Tremont St, Boscawen 15 low-income homes · Studio: 1 · 1 bd: 14 · In service since 1997
  • Concord South End Tax credit (LIHTC) 57 Centre St, Concord 13 low-income homes · 1 bd: 5 · 2 bd: 4 · 3 bd: 4 · In service since 2000
  • Perley Place Tax credit (LIHTC) 64 Perley St, Concord 11 low-income homes · 1 bd: 2 · 2 bd: 3 · 3 bd: 4 · 4 bd: 2 · In service since 1997
  • Fellowship House HUD-assisted 11 Chesley St, Concord 03301 13 homes, 10 low-income · For people with disabilities
  • Apple Ridge HUD-assisted 201 Loudon Rd, Concord 03301 34 homes, 6 low-income · (603) 224-9221
  • Cottage Hotel Tax credit (LIHTC) 38 River St, Franklin 6 low-income homes · In service since 1994
  • Fellowship Apartments HUD-assisted 12 Allison St, Concord 03301 6 low-income homes · For people with disabilities
  • Washington Court HUD-assisted 70 Washington St, Concord 03301 6 low-income homes · For people with disabilities
  • Friedman Court 1 HUD-assisted 19 Old Suncook Rd, Concord 03301 54 homes, 5 low-income · (603) 223-0810
  • Fayette Street Project HUD-assisted 22 Fayette St, Concord 03301 5 low-income homes · For people with disabilities
  • Franklin Light & Power Mill HUD-assisted 100 Memorial St, Franklin 03235 41 homes, 4 low-income · (603) 223-0810
  • Mennino Place HUD-assisted 51 Storrs St, Concord 03301 41 homes, 4 low-income · (603) 223-0810
  • Village Street Apartments HUD-assisted 95 Village St, Penacook 03303 38 homes, 4 low-income · (603) 223-0810
  • Penacook Landing HUD-assisted 31 Canal St, Concord 03303 31 homes, 3 low-income · (603) 863-6870
  • Penacook Landing II HUD-assisted 35 Canal St, Concord 03303 20 homes, 2 low-income · (781) 595-4665
  • Eastern Apartments HUD-assisted 30 E Side Dr, Concord 03301 12 homes, 2 low-income · (603) 223-0810
  • Perley Place HUD-assisted 58 Perley St, Concord 03301 10 homes, 1 low-income · (603) 223-0810
  • 21 Spruce ST Tax credit (LIHTC) 21 Spruce St, Concord 1 low-income home · In service since 1987
  • Eagles Bluff II Tax credit (LIHTC) Canton Cir, Concord 37 homes
  • Parmenter Place Tax credit (LIHTC) 15 Parmenter Rd, Concord 25 homes
  • Bow Vista Tax credit (LIHTC) 2 Dicandra Dr, Bow 20 homes

Source: HUD, retrieved November 6, 2026. LIHTC database, updated May 14, 2025; Assisted multifamily properties, updated October 23, 2026; Public housing developments, updated October 23, 2026.

Section 8

The Section 8 voucher in Merrimack County

The Housing Choice Voucher (Section 8) pays part of your rent on a home you choose. Your public housing agency runs it. 1 agency serves in Merrimack County. Here is what the rules say:

The rules, with their source

  1. You apply at the public housing agency. If you qualify, your name usually goes on a waiting list. Applicants must be U.S. citizens or noncitizens with eligible status as HUD defines it. Source: HUD

  2. Generally, your family must have very low income: no more than 50% of the area median income, by family size (the middle column of the table). Source: 24 CFR §5.603, §982.201(b)

  3. Each year, at least 75% of the families an agency admits from its list must have extremely low income (the 30% column). Source: 24 CFR §982.201(b)(2)

  4. If the rent is below the payment standard, the family generally pays 30% of its adjusted monthly income. If it is above, the family pays more. Source: 24 CFR §982.1(a)(3)

  5. When you move in, if the rent is above the payment standard, your share cannot go over 40% of your adjusted monthly income. Source: 24 CFR §982.508

  6. Each agency sets a payment standard for each size. Without asking HUD, it can go from 90% to 110% of the fair market rent. Source: 24 CFR §982.503(b), (c)

Mixed-status families: how assistance is figured
HUD income limits Yearly income of the whole family, before taxes.
HUD income limits by family size, Fiscal year 2026. Area: Merrimack County, NH.
People Extremely low (30%) Very low (50%) Low
1 person $27,050 $45,050 $72,050
2 people $30,900 $51,450 $82,350
3 people $34,750 $57,900 $92,650
4 people $38,600 $64,300 $102,900
5 people $41,700 $69,450 $111,150
6 people $44,800 $74,600 $119,400
7 people $50,040 $79,750 $127,600
8 people $55,720 $84,900 $135,850

Area median income: $128,600. HUD income limits by family size, Fiscal year 2026. Area: Merrimack County, NH. Source: HUD, Fiscal year 2026

How much can you earn? Check your case

Possible payment standard

  • Studio $1,128 – $1,378
  • 1 bedroom $1,238 – $1,514
  • 2 bedrooms $1,620 – $1,980
  • 3 bedrooms $2,121 – $2,593
  • 4 bedrooms $2,129 – $2,603

The range the rule allows: 90% to 110% of the county's fair market rent. Your agency publishes its own.

Housing agencies that serve this place

Housing agencies in New Hampshire Source: HUD, Retrieved November 6, 2026

Your rights as a tenant in New Hampshire

What New Hampshire law says about deposits, notices and eviction, with the citation for each rule.

See your rights, rule by rule

Compare these rules with other states →

A summary of state law, not legal advice. Cities may have additional rules.

How much can they charge for a deposit?
Up to 1 month of rent
N.H. Rev. Stat. Ann. §540-A:6, I(a)
When must they return my deposit?
30 days
N.H. Rev. Stat. Ann. §540-A:7, I
If I fall behind on rent, what notice must I get?
7 days
N.H. Rev. Stat. Ann. §540:3, II; §540:2, II(a)
How much notice ends a month-to-month rental?
30 days
N.H. Rev. Stat. Ann. §540:3, II
  • Only a court order can remove youN.H. Rev. Stat. Ann. §540-A:3, II
  • Protection from retaliationN.H. Rev. Stat. Ann. §540:13-a

Help

Where to get help with rent in Merrimack County

These are the nearest HUD-approved agencies. They counsel for free or at low cost.

  • Neighborworks of Southern New Hampshire

    801 Elm St, Manchester · 24 miles away

    • Mortgage delinquency and default
    • Budget and credit workshops
    • and 5 more
  • New Hampshire Housing Finance Authority

    32 Constitution Dr, Bedford · 25 miles away · Spanish

    Also serves in other languages.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 7 more
  • The Housing Partnership

    222 International Dr Ste 165, Portsmouth · 47 miles away

    • Budget and financial counseling
    • Pre-purchase counseling
    • and 2 more

Tool

How much cash do you need to move in?

It starts with the 2-bedroom fair market rent in Merrimack County. Change the rent, the deposit and the fees to yours: the numbers stay in your browser.

Count power on top of the rent: in New Hampshire, the average home bill was $145 a month in 2024 (EIA). See electricity and gas costs

Your move

We use the place's fair market rent and the state's deposit rule.

Adjust advanced details
Deposit and rent in advance
The deposit, in

Let's do the math

Cash to move in

$3,600

What you need before you get the keys.

What adds up

First month
$1,800
Security deposit
$1,800
Total
$3,600

The deposit cap

Pick your state to see whether its law caps the deposit.

Compare each state's rules →

When you'll have it

Enter what you can set aside each month to see how long it takes.

What helps

  • Ask for a receipt for every payment and keep a copy of the lease.
  • On move-in day, walk through the home and take dated photos.
  • Never send money for a home you haven't seen or a lease you haven't read.

This is a planning estimate, not a price. What you are asked for depends on the landlord, your lease and your state's and city's rules. It is not legal advice.

Guides

Before you sign

Frequently asked questions

What is the fair market rent in Merrimack County?

According to HUD (Fiscal year 2027): Studio: $1,253; 1 bedroom: $1,376; 2 bedrooms: $1,800; 3 bedrooms: $2,357; 4 bedrooms: $2,366. It covers rent plus basic utilities, except the phone.

How much do you need to earn to rent in Merrimack County?

Paying the 2-bedroom fair market rent ($1,800) without spending more than 30% of income takes $34.62 an hour full time, or $72,000 a year.

Who qualifies for Section 8 in Merrimack County?

Generally, families with very low income: no more than 50% of the area median income. For 4 people, HUD's limit here is $64,300 a year (Fiscal year 2026). The family usually pays 30% of its adjusted monthly income. You apply at the housing agency.

How much does Section 8 pay in Merrimack County?

The voucher pays up to your housing agency's payment standard, minus your share. The rule lets the agency set it between 90% and 110% of the fair market rent: for 2 bedrooms here, between $1,620 and $1,980 a month. Your agency publishes its figure.

Does the fair market rent change by ZIP code in Merrimack County?

For 2 bedrooms they run from $1,690 in 03243 to $2,460 in 03258. Where HUD designates these areas, or where the housing agency chooses to use them, the voucher is figured on the ZIP code's rent instead of the county's. Ask your agency which one it uses.

How many low-income apartments are there in Merrimack County?

HUD lists 63 properties with homes for low-income households in Merrimack County: tax-credit apartments (LIHTC), HUD-assisted buildings and public housing. They run from the most low-income homes to the fewest. For tax-credit apartments and HUD-assisted buildings, you apply directly at the building's management office. They tell you whether units are open and how to apply; HUD does not have that information.

How many households spend too much on rent in Merrimack County?

HUD counts rent as a burden when it reaches 30% of income or more. In Merrimack County, 45% of renter households are in that position; in New Hampshire, 48%, and nationwide, 51% (Average 2020–2024, Census).