New Hampshire Mortgage Calculator

Your monthly mortgage payment in New Hampshire, with New Hampshire's effective property tax rate (1.66%) built in, at this week's average rate. The calculator starts at the state's median home value, $402,500.

Home priceDown paymentInterest rateStarts at this week's national averageLoan termProperty taxA year, as a share of the price; about 1% is typical, varying widely by countyHome insurance a yearMortgage insurance (PMI)A year, on the loan, only below 20% downHOA dues a month

A $403,000 home with 20% down ($322,400 borrowed) at 7.28% over 30 years costs about $2,929 a month: $2,206 principal and interest plus $723 of tax, insurance and dues.

Monthly payment: $2,928.71
Principal and interest: $2,205.90
Tax, insurance, PMI and HOA: $722.81
Total interest over the loan: $471,724

Download the schedule (CSV)

Amortization by year: $322,400 at 7.28%

Year	Interest	Principal	Balance
1	$23,368.56	$3,102.24	$319,297.76
2	$23,135.03	$3,335.77	$315,961.99
3	$22,883.92	$3,586.89	$312,375.10
4	$22,613.90	$3,856.90	$308,518.20
5	$22,323.56	$4,147.25	$304,370.95
6	$22,011.36	$4,459.45	$299,911.50
7	$21,675.66	$4,795.15	$295,116.36
8	$21,314.68	$5,156.12	$289,960.23
9	$20,926.54	$5,544.27	$284,415.96
10	$20,509.17	$5,961.64	$278,454.33
11	$20,060.38	$6,410.42	$272,043.91
12	$19,577.81	$6,892.99	$265,150.92
13	$19,058.92	$7,411.89	$257,739.03
14	$18,500.96	$7,969.85	$249,769.18
15	$17,901.00	$8,569.81	$241,199.38
16	$17,255.87	$9,214.93	$231,984.44
17	$16,562.18	$9,908.62	$222,075.82
18	$15,816.27	$10,654.53	$211,421.29
19	$15,014.21	$11,456.59	$199,964.69
20	$14,151.77	$12,319.03	$187,645.66
21	$13,224.41	$13,246.40	$174,399.26
22	$12,227.23	$14,243.57	$160,155.69
23	$11,154.99	$15,315.81	$144,839.88
24	$10,002.04	$16,468.77	$128,371.11
25	$8,762.28	$17,708.52	$110,662.59
26	$7,429.21	$19,041.60	$91,620.99
27	$5,995.78	$20,475.03	$71,145.96
28	$4,454.44	$22,016.37	$49,129.60
29	$2,797.07	$23,673.73	$25,455.87
30	$1,014.94	$25,455.87	$0.00

This week's mortgage rates →

Monthly payment in New Hampshire by home price (20% down, 7%, 30 years, 1.66% tax, $2,000 insurance)

Home price	Principal and interest	Property tax	Total
$200,000	$1,064	$276	$1,507
$300,000	$1,597	$414	$2,177
$400,000	$2,129	$552	$2,848
$600,000	$3,193	$828	$4,188
$810,000	$4,311	$1,118	$5,596

How this calculator works

As the mortgage calculator, with New Hampshire's effective property tax rate from the Census Bureau's American Community Survey 2020–2024 5-year estimates: median taxes $6,667 ÷ median value $402,500.

What it assumes

Home insurance varies a lot by state and area; enter your quote.
County property tax rates differ from the state figure; see the county pages.

Questions people ask

What is the mortgage payment on a median home in New Hampshire?

On $402,500 with 20% down at 7% over 30 years: about $2,142 principal and interest and $555 of property tax, $2,864 a month with $2,000 a year of insurance.

What is the median home value in New Hampshire?

$402,500 for owner-occupied homes (Census American Community Survey 2020–2024 5-year estimates), against $332,700 nationally.

How much is property tax in New Hampshire?

The effective rate is 1.66%, a median $6,667 a year. See New Hampshire's property tax page for every county we cover.

How much income do I need for a median New Hampshire home?

Under the 28% guideline, about $122,760 a year for the payment above; New Hampshire's median household income is $99,031.

Related calculators

Sources

Updated Sep 30, 2026 by the RateHerald team. The maths is tested against worked examples; report a problem.