Cost of Ownership · New Hampshire

The true cost of owning a home in New Hampshire

For a median $367,200 home in New Hampshire, here is the full monthly cost — not just the mortgage. Built from public data: the state's median home value and effective property-tax rate, its average homeowners premium, and the current 30-year rate. This is a representative example, not a quote.

As of Jul 5, 2026Methodology true-cost-v3

Lender-approved payment

$2,852/mo

PITI + PMI

True monthly cost

$3,158/mo

everything, incl. upkeep

The gap

+$306/mo

what approval leaves out

Principal & interest$2,074/mo

Property tax$542/mo

Homeowners insurance$99/mo

PMI (LTV > 80%)$138/mo

Maintenance reserve$306/mo

True monthly cost$3,158/mo

Effective property-tax rate

1.77%

Avg. homeowners premium

$1,188/yr

NFIP flood claims on record

4,422

These figures use New Hampshire’s median home value and a 10% down payment as a representative example. Your price, rate, and county rate will differ — run your own numbers in the True Cost tool, see how New Hampshire ranks on property tax and insurance, or browse every state.