Mortgage Rates in Goffstown, New Hampshire — March 2026
Updated March 2026 | Based on Goffstown market data and regional lending conditions
Goffstown is a growing city in New Hampshire with a population of 18,293. The current 30-year fixed mortgage rate in Goffstown is 6.74%, which is 0.09% above the national average. With a median home price of $360,000 and a 20% down payment of $72,000, homebuyers can expect a monthly principal and interest payment of approximately $1,866.
Current Mortgage Rates in Goffstown, NH
Below are the current average mortgage rates available in the Goffstown area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.74% | 6.65% | +0.09% |
| 15-Year Fixed | 5.98% | 5.89% | +0.09% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.99% | 6.85% | +0.14% |
Goffstown Housing Market Overview
The Goffstown housing market reflects moderate demand with prices near the national average. The median household income in Goffstown is $79,300, and the cost of living index is 110.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $108,900 to comfortably afford the median-priced home in Goffstown, which exceeds the current median household income.
Monthly Payment Breakdown for Goffstown
Based on the median home price of $360,000 with 20% down ($72,000), here is what you can expect to pay monthly in Goffstown:
15-Year vs. 30-Year Mortgage in Goffstown
Choosing a 15-year mortgage in Goffstown at 5.98% instead of a 30-year at 6.74% would save you $234,900 in total interest over the life of the loan. However, your monthly payment would be $2,427 instead of $1,866 — an increase of $561 per month.
Calculate Your Goffstown Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Goffstown
What are the current mortgage rates in Goffstown, NH?
As of March 2026, the average 30-year fixed mortgage rate in Goffstown, New Hampshire is 6.74%, while the 15-year fixed rate is 5.98%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.09% above the national average of 6.65%.
How much is a monthly mortgage payment in Goffstown?
Based on the median home price of $360,000 with 20% down, the estimated monthly mortgage payment in Goffstown is $1,866 for principal and interest. Including property taxes of $675/month, the total monthly housing cost is approximately $2,541.
What income do I need to buy a home in Goffstown?
Using the 28% rule, you would need an annual income of approximately $108,900 to afford the median-priced home in Goffstown at $360,000. The median household income in Goffstown is $79,300. This means most households would need to either earn above the median or consider homes below $360,000.
Is Goffstown a good place to buy a home in 2026?
Goffstown has a moderate cost of living with a cost of living index of 110.8 (national average = 100). The property tax rate in New Hampshire is 2.25%, which is above the national average. Goffstown has a population of 18,293 and offers a balanced lifestyle.
Mortgage Rates in Other New Hampshire Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Goffstown, New Hampshire area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.