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City · 12,111 residents · Strafford County, New Hampshire

Somersworth , New Hampshire

In Somersworth, a typical home is worth $318,400 and typical rent is $1,477 a month. Compared with all of Strafford County, typical household income is 16% lower, the typical home value is 12% lower, and the share of households that own their home is 9 points lower.

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  • Typical home value

    $318,400

    12% below the county

    21% below New Hampshire

    • Somersworth
    • Strafford
    • New Hampshire

  • Typical rent

    $1,477a month

    About the same as the county

    About the same as New Hampshire

    • Somersworth
    • Strafford
    • New Hampshire

  • Typical household income

    $74,504a year

    16% below the county

    25% below New Hampshire

    • Somersworth
    • Strafford
    • New Hampshire

  • Households that own their home

    58%

    9 points below the county

    15 points below New Hampshire

    • Somersworth
    • Strafford
    • New Hampshire

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

Market now, with Zillow data

Zillow data
Typical home value
$445,426
2.9% more than 12 months ago
Typical rent
$2,015 a month

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

Somersworth 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 Somersworth apart

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

  1. The typical household income in Somersworth is $74,504, 16% less than in Strafford County as a whole ($88,570).

  2. 58% of households in Somersworth own their home, against 67% in Strafford County.

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

The homes here

Housing in Somersworth

What homes there are in Somersworth, 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 Somersworth; the largest group, detached houses, adds up to 44%, 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

$2,353 a month

Strafford County: $2,330 a month

Without a mortgage

$1,019 a month

Strafford County: $975 a month

Owners with a mortgage

64%

Strafford County: 61%

Owning costs about the same in Somersworth as in Strafford County: with a mortgage, $2,353 a month; without one, $1,019.

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

Since 2015–2019, homes in Somersworth gained value faster than in Strafford County: 72% against 54%.

The typical rent in Somersworth rose 38% since 2015–2019, about the same as in Strafford County (36%).

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

MeasureSomersworthStrafford 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 2.332.392.442.53
Drive alone 79%72%72%69%
Carpool Unreliable estimate6%7%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate4%3%3%
Work from home 12%16%17%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

By size, households in Somersworth look like those in Strafford County: 2.33 people on average.

To get to work, 79% of workers in Somersworth drive alone; in Strafford County, 72%.

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 Somersworth?

A typical home costs more than the typical income allows

We start with a typical home in Somersworth, worth $318,400, 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 Somersworth, which is $74,504 a year. For that payment to be 28% of income, a household would need to earn about $126,822 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 Somersworth. 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 $11,144 (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

$2,959

at 7.18% · 30 years

Loan amount
$312,633
Total interest
$449,806
Paid off in
November 2056

Includes $5,377 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,738 a month

  • Tight

    $1,738 to $2,235 a month

  • Hard

    more than $2,235 a month

    Your payment · 48%

Compared with the typical household income in Somersworth ($74,504 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,959
Principal & interest$2,118
Property tax$568
Home insurance$133
FHA mortgage insurance (MIP)$141

You need at least $11,144 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

Somersworth and Strafford County

Somersworth 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).

Somersworth's own numbers

Typical home value
$318,400
Typical monthly rent
$1,477
Typical yearly household income
$74,504
Households that own their home
58%
Effective property tax rate
2.14%

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 Somersworth

A typical home in Somersworth is worth $318,400: 12% below the county and 21% below New Hampshire. With the typical household income in Somersworth ($74,504 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.

  • Somersworth 4.3 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

Somersworth 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
  • Somersworth $318,400
  • Strafford $362,800
  • New Hampshire $402,500
  • United States $332,700
Typical monthly rent
  • Somersworth $1,477
  • Strafford $1,488
  • New Hampshire $1,491
  • United States $1,413
Typical yearly household income
  • Somersworth $74,504
  • Strafford $88,570
  • New Hampshire $99,031
  • United States $80,734
See the full table
Somersworth next to Strafford County and New Hampshire
Measure Somersworth Strafford County New Hampshire U.S.
Typical home value $318,400 $362,800 $402,500 $332,700
Typical monthly rent $1,477 $1,488 $1,491 $1,413
Typical yearly household income $74,504 $88,570 $99,031 $80,734
Households that own their home 58% 67% 73% 65%
Typical yearly property tax $6,805 $6,708 $6,667 $3,119
Effective property tax rate 2.14% 1.85% 1.66% 0.94%
Renters with high rent for their income 56% 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 Somersworth

For a typical $318,400 home in Somersworth, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Somersworth's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,959a month

    Least cash to close
    Down payment
    $11,144
    Cash to close
    $20,696
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $141

  • Conventional, 5% down $2,901a month

    Down payment
    $15,920
    Cash to close
    $25,472
    Rate
    7.18%
    Mortgage insurance
    PMI · $151

  • Conventional, 20% down, no PMI $2,426a month

    Down payment
    $63,680
    Cash to close
    $73,232
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,720a month

    Down payment
    $47,760
    Cash to close
    $57,312
    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 Somersworth and for Strafford County.

Property tax

Effective rate in Somersworth

2.14%of the home’s value each year

$6,805 a year for the typical owner in Somersworth.

  • Somersworth 2.14%
  • 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 Somersworth

Typical rent in Somersworth is $1,477 a month: about the same as the county. In Somersworth, 56% 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 Somersworth

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Somersworth is in ZIP code 03878.

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

  • 03878 $1,980$2,430

A ZIP code counts for Somersworth 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 Somersworth

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

  • Crocketts Crossing 7 Wildflower Cir, Somersworth 46 low-income homes · 2 bd: 4 · 3 bd: 28 · 4 bd: 14 · In service since 1999
  • Maple Street Somersworth 1 Maple St, Somersworth 37 low-income homes · 1 bd: 37 · In service since 2004 · For older adults
  • Preservation Park 185 Main St, Somersworth 03878 26 low-income homes · For older adults
  • Queensbury Mill 1 Market St, Somersworth 24 low-income homes · 1 bd: 24 · In service since 1996
  • Queensbury Mill 1 Market St, Somersworth 03878 24 low-income homes · For older adults

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

Free help

Help to buy or rent in Somersworth

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 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 Somersworth

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

The HUD-approved agencies closest to the center of Somersworth, 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 · 13 miles away

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

  • Neighborworks of Southern New Hampshire

    801 Elm St, Manchester · 34 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 · 37 miles away

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

All counseling agencies in New Hampshire

Help in Spanish near Somersworth

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 Somersworth

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

  • Somersworth Housing Authority Public housing and Section 8 vouchers (603) 692-2864

2 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 Somersworth, 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 Somersworth.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Somersworth

Short answers with the numbers for Somersworth 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 Somersworth?

The typical home value in Somersworth is $318,400, 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 Somersworth?

Typical rent in Somersworth is $1,477 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 Somersworth?

Somersworth 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 Somersworth?

The typical homeowner in Somersworth pays $6,805 a year, according to the U.S. Census Bureau. That is 2.14% of the home’s value; in Strafford County, the rate is 1.85%.

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

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).