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New Hampshire mortgage calculator

Pre-filled for New Hampshire: the median home value ($460,000) and the state's effective property tax rate of 1.46%. Change anything to match your home.

Home price
Down payment$92,000
%
Interest rateAPR, fixed
%
Loan term
Extra monthly paymenttoward principal
/ mo

Estimated monthly payment

$3,035.68

Loan $368,000 · 20% down

  • Principal & interest$2,326.01
  • Property tax$559.67
  • Home insurance$150.00
See the month-by-month schedule →
Total interest
$469,364
Total cost
$1,092,845
Payoff time
30 yr
PMI paid
None

Principal vs. interest by year

1: Principal 4,113, Interest 23,79912: Principal 4,389, Interest 23,5233: Principal 4,683, Interest 23,2304: Principal 4,996, Interest 22,91645: Principal 5,331, Interest 22,5816: Principal 5,688, Interest 22,2247: Principal 6,069, Interest 21,8438: Principal 6,475, Interest 21,43789: Principal 6,909, Interest 21,00310: Principal 7,372, Interest 20,54111: Principal 7,865, Interest 20,04712: Principal 8,392, Interest 19,5201213: Principal 8,954, Interest 18,95814: Principal 9,554, Interest 18,35815: Principal 10,194, Interest 17,71916: Principal 10,876, Interest 17,0361617: Principal 11,605, Interest 16,30818: Principal 12,382, Interest 15,53019: Principal 13,211, Interest 14,70120: Principal 14,096, Interest 13,8162021: Principal 15,040, Interest 12,87222: Principal 16,047, Interest 11,86523: Principal 17,122, Interest 10,79024: Principal 18,268, Interest 9,6442425: Principal 19,492, Interest 8,42026: Principal 20,797, Interest 7,11527: Principal 22,190, Interest 5,72228: Principal 23,676, Interest 4,2362829: Principal 25,262, Interest 2,65030: Principal 26,954, Interest 95830
PrincipalInterest

Amortization schedule by year

YearPrincipalInterestBalance
1$4,113$23,799$363,887
2$4,389$23,523$359,498
3$4,683$23,230$354,815
4$4,996$22,916$349,819
5$5,331$22,581$344,488
Monthly payment$3,035.68

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New Hampshire at a glance

Effective property tax
1.46%
Rank (1 = highest)
4th of 51
Median home value
$458,800
Median tax bill
$6,707/yr

On the same $400,000 home, property tax in New Hampshire adds about $486.67/month, versus $296.67/month at the national rate.

New Hampshire mortgage payments by home price

Home pricePrincipal & interestProperty taxTotal / month
$225,000$1,137.72$273.75$1,561.47
$350,000$1,769.79$425.83$2,345.62
$450,000$2,275.44$547.50$2,972.94
$700,000$3,539.58$851.67$4,541.25
$925,000$4,677.30$1,125.42$5,952.72

20% down, 6.5% 30-year fixed (example rate), 1.46% property tax, $1,800/yr insurance, no HOA. Also see: how much house you can afford in New Hampshire.

Mortgage calculators for other states

Assumptions

  • Fixed interest rate for the full term.
  • Property tax, insurance and HOA stay constant (in reality they usually rise over time).
  • PMI applies only when the loan is over 80% of the home price, and stops once the balance reaches 78% of the original price.
  • Extra payments go entirely to principal.
  • New Hampshire figures: Effective rate = ACS median real estate taxes paid ÷ ACS median value, owner-occupied housing units, by state. Source: US Census Bureau ACS 2024.

Frequently asked questions

What is the property tax rate in New Hampshire?+

The effective property tax rate in New Hampshire is about 1.46% of home value a year (median taxes paid $6,707 on a median home worth $458,800). That's the 4th highest of 50 states and DC, and higher than the national 0.89%. Your actual bill depends on your county, city and exemptions.

What's the mortgage payment on a median-priced home in New Hampshire?+

For a $460,000 home with 20% down at an example 6.5% 30-year rate, the payment is about $3,035.68 a month, including $559.67 of property tax and $150.00 of insurance.

How much income do I need to buy a home in New Hampshire?+

To afford the median New Hampshire home ($460,000) under the 28/36 guideline with 10% down and no other debts, you'd need roughly $150,000 a year in gross income at a 6.5% rate.

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Last reviewed October 14, 2026. Calculator version 1.0.0. Sources: US Census Bureau, ACS 2024 1-year, Table B25103 (Median Real Estate Taxes Paid) · US Census Bureau, ACS 2024 1-year, Table B25077 (Median Value, Owner-Occupied). Results are estimates for educational purposes, not financial, tax or lending advice. How we check our numbers.