Home and mortgage

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.

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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

Monthly payment$2,906.86The answer

Monthly payment

$2,906.86

A $403,000 home with 20% down ($322,400 borrowed) at 7.18% over 30 years costs about $2,907 a month: $2,184 principal and interest plus $723 of tax, insurance and dues.

Principal and interest: $2,184.05
Tax, insurance, PMI and HOA: $722.81
Total interest over the loan: $463,858

Amortization by year: $322,400 at 7.18%

Year	Interest	Principal	Balance
1	$23,045.58	$3,163.02	$319,236.98
2	$22,810.85	$3,397.75	$315,839.22
3	$22,558.70	$3,649.90	$312,189.32
4	$22,287.84	$3,920.76	$308,268.56
5	$21,996.87	$4,211.73	$304,056.83
6	$21,684.32	$4,524.28	$299,532.55
7	$21,348.57	$4,860.03	$294,672.52
8	$20,987.90	$5,220.70	$289,451.83
9	$20,600.47	$5,608.13	$283,843.70
10	$20,184.29	$6,024.31	$277,819.39
11	$19,737.22	$6,471.38	$271,348.01
12	$19,256.98	$6,951.62	$264,396.39
13	$18,741.09	$7,467.50	$256,928.89
14	$18,186.93	$8,021.67	$248,907.21
15	$17,591.63	$8,616.97	$240,290.25
16	$16,952.16	$9,256.44	$231,033.81
17	$16,265.24	$9,943.36	$221,090.45
18	$15,527.33	$10,681.26	$210,409.19
19	$14,734.67	$11,473.93	$198,935.26
20	$13,883.18	$12,325.41	$186,609.85
21	$12,968.51	$13,240.09	$173,369.76
22	$11,985.95	$14,222.64	$159,147.11
23	$10,930.48	$15,278.12	$143,869.00
24	$9,796.69	$16,411.91	$127,457.08
25	$8,578.75	$17,629.85	$109,827.23
26	$7,270.43	$18,938.17	$90,889.06
27	$5,865.01	$20,343.59	$70,545.47
28	$4,355.30	$21,853.29	$48,692.18
29	$2,733.56	$23,475.04	$25,217.14
30	$991.46	$25,217.14	$0.00

Download the schedule (CSV)

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.

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.

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Sources

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