Cost of Ownership · New Hampshire
The true cost of owning a home in New Hampshire
For a median $402,500 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.
Lender-approved payment
$3,114/mo
PITI + PMI
True monthly cost
$3,450/mo
everything, incl. upkeep
The gap
+$335/mo
what approval leaves out
Effective property-tax rate
1.66%
Avg. homeowners premium
$1,188/yr
NFIP flood claims on record
4,422
Closing costs in New Hampshire
Median closing costs and lender origination charges on real home-purchase loans in New Hampshire, from public CFPB HMDA data. Cells with fewer than 25 loans aren't shown.
Median total closing costs
$4,692
Typically $3,938–$7,897
Median origination charges
$1,734
Typically $1,349–$4,500
| Loan size | p25 | Median | p75 | Loans |
|---|---|---|---|---|
| All | $3,938 | $4,692 | $7,897 | 12,776 |
| All | $3,701 | $4,818 | $8,650 | 11,324 |
| < $250k | $3,275 | $3,894 | $5,185 | 1,883 |
| < $250k | $3,171 | $3,796 | $5,588 | 2,314 |
| $250k–$500k | $3,943 | $4,570 | $8,254 | 7,119 |
| $250k–$500k | $3,749 | $5,125 | $9,157 | 6,588 |
| $500k–$750k | $4,179 | $5,185 | $10,713 | 1,956 |
| $500k–$750k | $4,378 | $5,019 | $9,699 | 2,935 |
| > $750k | $5,033 | $5,817 | $8,882 | 839 |
| > $750k | $4,922 | $6,354 | $12,212 | 466 |
Compare your own Loan Estimate with the Loan Estimate Decoder, or see every state in the Fee & Rate Index.
Common questions about buying a home in New Hampshire
- What are the median closing costs in New Hampshire?
- Median total closing costs — lender and third-party charges — on a home-purchase loan in New Hampshire are about $4,692, from public CFPB HMDA data. Cells with fewer than 25 loans are suppressed.
- What is the effective property-tax rate in New Hampshire?
- The effective property-tax rate in New Hampshire is about 1.66%, from the Census American Community Survey (median real estate taxes divided by median home value).
- What does a median home cost to own each month in New Hampshire?
- A median $402,500 home in New Hampshire costs about $3,450 a month to own — principal, interest, property tax, insurance, PMI, and a maintenance reserve — versus a lender-approved payment of about $3,114. Every figure is from public data.
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.