New Hampshire mortgage calculator

Use our free mortgage calculator to estimate your monthly mortgage payment, your principal and interest, taxes, insurance, and PMI in New Hampshire. See how your monthly payment changes by making updates to your home price, down payment, interest rate, and loan term.

New Hampshire housing market

New Hampshire, the Granite State, is one of the more expensive states for homeowner...ship in the country, with the median homeowner spending close to 22% of their income on their home. In 2018, the average home value in the state grew by 7.2%, with a similar rate predicted for 2019. If you can afford the prices, you'll be rewarded with beautiful scenery with towns like Berlin, NH, which is right on the White Mountain National Forest.

Your monthly payment
30 year fixed loan term
Monthly payment
Principal & interest


Property taxes

Homeowners insurance

Homeowners association (HOA) fees

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Total principal: $240,000

Loan Term
30 year fixedYour input
15 year fixed30 year fixed
Monthly Payment$1,599$2,011$1,437
Mortgage Rate4.125%2.273%*2.92%*
Total interest paid
Loan Term
30 year fixedYour input
15 year fixed30 year fixed
Monthly Payment$1,599$2,011$1,437
Mortgage Rate4.125%2.273%*2.92%*
Total interest paid

See how your payments change over time for your 30 year fixed loan term

At year 0

30 year fixed loan term

Principal Paid
Interest Paid
Year 0
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We’ll share an interesting insight here for key milestones in your payoff schedule.

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New Hampshire mortgage and refinance rates today (APR)

ProductInterest rateAPR
30-year fixed-rate2.830%2.888%
20-year fixed-rate2.708%2.790%
15-year fixed-rate2.134%2.237%
10-year fixed-rate2.073%2.200%
7/1 ARM2.253%2.961%
5/1 ARM2.189%3.084%
30-year fixed-rate FHA2.625%3.282%
30-year fixed-rate VA2.529%2.821%

Data source: ©Zillow, Inc. 2006 – 2020. Use is subject to the Terms of Use

Today's rate

30-year fixed

Today’s mortgage rates in New Hampshire are 2.888% for a 30-year fixed, 2.237% for a 15-year fixed, and 3.084% for a 5/1 adjustable-rate mortgage (ARM).

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First-time home buyer programs in New Hampshire

There are several national first-time home buyer programs that may be able to help you get into a home in New Hampshire.

Conventional mortgage

National program

What you need to know

Best for home buyers with good credit looking for low down payments or limited mortgage insurance premiums. A conventional mortgage is a home loan that isn’t guaranteed or insured by the federal government. Conventional mortgages that conform to the requirements set forth by Fannie Mae and Freddie...

See full article

Average property tax in New Hampshire counties

Taking U.S. Census data, NerdWallet has crunched the numbers to help you understand what property tax rate you can expect to pay on your future home in New Hampshire. Because assessed values aren’t frequently updated, you may pay a higher rate at first but eventually you’ll pay a similar rate.

Avg. property tax rate
Avg. home value
Belknap County1.63%$220,400
Carroll County1.25%$227,600
Cheshire County2.47%$200,300
Coos County2.13%$123,200
Grafton County1.83%$217,300
Hillsborough County2.14%$278,400
Merrimack County2.21%$231,500
Rockingham County1.91%$327,500
Strafford County2.29%$246,100
Sullivan County2.3%$171,100

Source: American Communities Survey 2016, U.S. Census