New Hampshire Mortgage Calculator
New Hampshire has the 6th-highest effective property tax rate of the 50 states at 1.50% — $3,044 more a year than the 0.91% state average on a $516,000 home. Homeowners insurance averages $1,300 a year, the 3rd-lowest premium nationally and $1,420 less than the typical state.
Most New Hampshire counties use the $832,750 conforming loan limit for 2026, but 2 high-cost counties — Rockingham County ($962,550), Strafford County ($962,550) — allow larger conforming loans. Above those amounts you need a jumbo loan.
On a $516,000 home, property tax and insurance add $753 a month in New Hampshire, compared with $533 in Maine, $554 in Massachusetts, $738 in Vermont.
Loan Parameters
Total Monthly Payment
$4,131
Principal & Interest + Taxes + Insurance
APR 7.488%
Total Interest
$651,247
Total Cost
$1,414,710
Advanced Parameters
Private Mortgage Insurance (PMI)
Your down payment is below 20%. PMI is estimated at 0.72% annually and is removed here when your LTV reaches 80%.
Loan Summary
Payoff Date
Sep 2056
Interest / Principal
1.40x
Mortgage Insurance Ends
Feb 2035
50% Equity
Jul 2048
Amortization Schedule
| Period | Payment | Principal | Interest | PMI | Balance | Equity |
|---|---|---|---|---|---|---|
| Year 1 | $37,188 | $4,690 | $32,498 | $3,344 | $459,710 | $56,290 |
| Year 2 | $37,188 | $5,031 | $32,158 | $3,344 | $454,679 | $61,321 |
| Year 3 | $37,188 | $5,396 | $31,792 | $3,344 | $449,283 | $66,717 |
| Year 4 | $37,188 | $5,788 | $31,400 | $3,344 | $443,495 | $72,505 |
| Year 5 | $37,188 | $6,208 | $30,980 | $3,344 | $437,287 | $78,713 |
| Year 6 | $37,188 | $6,659 | $30,529 | $3,344 | $430,628 | $85,372 |
| Year 7 | $37,188 | $7,142 | $30,046 | $3,344 | $423,485 | $92,515 |
| Year 8 | $37,188 | $7,661 | $29,527 | $3,344 | $415,824 | $100,176 |
| Year 9 | $37,188 | $8,217 | $28,971 | $1,115 | $407,607 | $108,393 |
| Year 10 | $37,188 | $8,814 | $28,374 | — | $398,793 | $117,207 |
| Year 11 | $37,188 | $9,454 | $27,734 | — | $389,339 | $126,661 |
| Year 12 | $37,188 | $10,140 | $27,048 | — | $379,199 | $136,801 |
| Year 13 | $37,188 | $10,877 | $26,312 | — | $368,322 | $147,678 |
| Year 14 | $37,188 | $11,666 | $25,522 | — | $356,655 | $159,345 |
| Year 15 | $37,188 | $12,514 | $24,675 | — | $344,142 | $171,858 |
| Year 16 | $37,188 | $13,422 | $23,766 | — | $330,720 | $185,280 |
| Year 17 | $37,188 | $14,397 | $22,792 | — | $316,323 | $199,677 |
| Year 18 | $37,188 | $15,442 | $21,746 | — | $300,881 | $215,119 |
| Year 19 | $37,188 | $16,563 | $20,625 | — | $284,317 | $231,683 |
| Year 20 | $37,188 | $17,766 | $19,422 | — | $266,551 | $249,449 |
| Year 21 | $37,188 | $19,056 | $18,132 | — | $247,495 | $268,505 |
| Year 22 | $37,188 | $20,440 | $16,749 | — | $227,056 | $288,944 |
| Year 23 | $37,188 | $21,924 | $15,265 | — | $205,132 | $310,868 |
| Year 24 | $37,188 | $23,516 | $13,673 | — | $181,616 | $334,384 |
| Year 25 | $37,188 | $25,223 | $11,965 | — | $156,393 | $359,607 |
| Year 26 | $37,188 | $27,055 | $10,134 | — | $129,338 | $386,662 |
| Year 27 | $37,188 | $29,019 | $8,169 | — | $100,319 | $415,681 |
| Year 28 | $37,188 | $31,126 | $6,062 | — | $69,193 | $446,807 |
| Year 29 | $37,188 | $33,386 | $3,802 | — | $35,807 | $480,193 |
| Year 30 | $37,185 | $35,807 | $1,378 | — | $0 | $516,000 |
New Hampshire mortgage data
- Typical home value
- $516,306
- Zillow ZHVI, August 31, 2026 (U.S. $368,697)
- Effective property tax rate
- 1.50%
- $7,740/yr on a $516,000 home
- Average homeowners insurance
- $1,300/yr
- $108/mo
- 2026 conforming loan limit
- $832,750 – $962,550
- 10 counties
- High-cost counties
- 2
- Limit above $832,750
- 2026 FHA loan limit (1-unit)
- $541,287 – $962,550
- Varies by county — confirm on HUD
- Current 30-yr / 15-yr fixed average
- 7.03% / 6.42%
- Freddie Mac PMMS, September 24, 2026
New Hampshire calculators by loan type
How much house can you afford in New Hampshire?
Highest price where principal, interest, New Hampshire property tax, insurance and PMI stay within 28% of gross income —10% down, 30-year fixed at 7.03%. Other debts lower these numbers.
| Household income | Housing budget / mo | Max home price | Down payment | vs typical home |
|---|---|---|---|---|
| $50,000 | $1,167 | $135,000 | $13,500 | 26% |
| $75,000 | $1,750 | $210,000 | $21,000 | 41% |
| $100,000 | $2,333 | $285,000 | $28,500 | 55% |
| $125,000 | $2,917 | $360,000 | $36,000 | 70% |
| $150,000 | $3,500 | $435,000 | $43,500 | 84% |
| $200,000 | $4,667 | $584,000 | $58,400 | 113% |
| $250,000 | $5,833 | $734,000 | $73,400 | 142% |
New Hampshire mortgage payment by loan amount
30-year fixed at 7.03%, 20% down, with New Hampshire property tax and insurance on the matching home price.
| Loan amount | P&I | Total / month | Income needed | Loan type |
|---|---|---|---|---|
| $150,000 mortgage | $1,001 | $1,344 | $58,000 | Conforming |
| $175,000 mortgage | $1,168 | $1,550 | $67,000 | Conforming |
| $200,000 mortgage | $1,335 | $1,755 | $76,000 | Conforming |
| $225,000 mortgage | $1,501 | $1,961 | $85,000 | Conforming |
| $250,000 mortgage | $1,668 | $2,167 | $93,000 | Conforming |
| $275,000 mortgage | $1,835 | $2,373 | $102,000 | Conforming |
| $300,000 mortgage | $2,002 | $2,579 | $111,000 | Conforming |
| $325,000 mortgage | $2,169 | $2,785 | $120,000 | Conforming |
| $350,000 mortgage | $2,336 | $2,991 | $129,000 | Conforming |
| $375,000 mortgage | $2,502 | $3,197 | $138,000 | Conforming |
| $400,000 mortgage | $2,669 | $3,403 | $146,000 | Conforming |
| $425,000 mortgage | $2,836 | $3,608 | $155,000 | Conforming |
| $450,000 mortgage | $3,003 | $3,814 | $164,000 | Conforming |
| $475,000 mortgage | $3,170 | $4,020 | $173,000 | Conforming |
| $500,000 mortgage | $3,337 | $4,226 | $182,000 | Conforming |
| $525,000 mortgage | $3,503 | $4,432 | $190,000 | Conforming |
| $550,000 mortgage | $3,670 | $4,638 | $199,000 | Conforming |
| $575,000 mortgage | $3,837 | $4,844 | $208,000 | Conforming |
| $600,000 mortgage | $4,004 | $5,050 | $217,000 | Conforming |
| $625,000 mortgage | $4,171 | $5,256 | $226,000 | Conforming |
| $650,000 mortgage | $4,338 | $5,462 | $235,000 | Conforming |
| $675,000 mortgage | $4,504 | $5,667 | $243,000 | Conforming |
| $700,000 mortgage | $4,671 | $5,873 | $252,000 | Conforming |
| $725,000 mortgage | $4,838 | $6,079 | $261,000 | Conforming |
| $750,000 mortgage | $5,005 | $6,285 | $270,000 | Conforming |
| $775,000 mortgage | $5,172 | $6,491 | $279,000 | Conforming |
| $800,000 mortgage | $5,339 | $6,697 | $288,000 | Conforming |
| $825,000 mortgage | $5,505 | $6,903 | $296,000 | Conforming |
| $850,000 mortgage | $5,672 | $7,109 | $305,000 | Jumbo in most counties |
| $875,000 mortgage | $5,839 | $7,315 | $314,000 | Jumbo in most counties |
| $900,000 mortgage | $6,006 | $7,520 | $323,000 | Jumbo in most counties |
| $925,000 mortgage | $6,173 | $7,726 | $332,000 | Jumbo in most counties |
| $950,000 mortgage | $6,340 | $7,932 | $340,000 | Jumbo in most counties |
| $975,000 mortgage | $6,506 | $8,138 | $349,000 | Jumbo |
| $1,000,000 mortgage | $6,673 | $8,344 | $358,000 | Jumbo |
| $1,100,000 mortgage | $7,341 | $9,168 | $393,000 | Jumbo |
| $1,200,000 mortgage | $8,008 | $9,991 | $429,000 | Jumbo |
| $1,300,000 mortgage | $8,675 | $10,815 | $464,000 | Jumbo |
| $1,400,000 mortgage | $9,342 | $11,638 | $499,000 | Jumbo |
| $1,500,000 mortgage | $10,010 | $12,462 | $535,000 | Jumbo |
Loan programs compared in New Hampshire
$516,000 home, each program's typical minimum or default down payment, current average 30-year rate.
| Loan type | Down | Loan amount | Upfront fee | Monthly MI | Total / month | APR |
|---|---|---|---|---|---|---|
| Conventional | 10% · $51,600 | $464,400 | — | $279 PMI | $4,131 | 7.488% |
| FHA | 3.5% · $18,060 | $506,654 | UFMIP $8,714 | $231 MIP | $4,365 | 7.761% |
| VA | 0% · $0 | $527,094 | Funding fee $11,094 | $0 | $4,271 | 7.242% |
| JumboLoan is conforming (≤ $832,750) | 20% · $103,200 | $412,800 | — | $0 | $3,508 | 7.030% |
New Hampshire high-cost counties (2026)
2 counties have a one-unit conforming limit above the $832,750 baseline. Loans up to these amounts are conforming, not jumbo.
- Rockingham County$962,550
- Strafford County$962,550
Frequently asked questions
What is the monthly mortgage payment on a $516,000 home in New Hampshire?
$516,000 is the typical New Hampshire home value. With 10% down on a conventional loan, the estimated payment is $4,131 per month ($3,099 principal & interest, $645 property tax, $108 insurance, $279 PMI) at 7.03% for 30 years, including New Hampshire's 1.50% effective property tax rate.
What is the 2026 conforming loan limit in New Hampshire?
$832,750 in most counties and up to $962,550 in 2 high-cost counties, including Rockingham County, Strafford County.
How much income do I need for a $516,000 home in New Hampshire?
About $178,000 a year if housing costs stay within 28% of gross income — a common lender guideline. Lenders also look at total debt-to-income, usually capped around 43%–50%.
How much house can I afford in New Hampshire on a $100,000 salary?
About $285,000 with 10% down, keeping the payment (including New Hampshire property tax, insurance and PMI) within 28% of gross income at 7.03%. The typical New Hampshire home ($516,306) needs roughly $178,000 a year.
Explore related calculators
Data sources & assumptions
- Freddie Mac Primary Mortgage Market Survey (PMMS) — Weekly average as of September 24, 2026
- Zillow Home Value Index (ZHVI), typical home value, all homes — Default home prices; typical value as of August 31, 2026
- FHFA 2026 Conforming Loan Limit Values (one-unit) — 2026 one-unit limits, 56 states & territories
- HUD FHA Mortgage Limits lookup — FHA floor $541,287; high-cost counties follow the conforming limit — confirm on HUD
- Effective statewide property tax rate (Tax Foundation, 2026 projections) — Statewide effective rate; county rates vary
- Average annual homeowners premium, $300K dwelling / $1K deductible (industry survey averages) — Statewide average premium
Estimates exclude lender origination fees, points and closing costs. See our methodology for formulas and limitations.