Mortgage Rates in Hudson, New Hampshire — March 2026
Updated March 2026 | Based on Hudson market data and regional lending conditions
Hudson is a growing city in New Hampshire with a population of 25,429. The current 30-year fixed mortgage rate in Hudson is 6.78%, which is 0.13% above the national average. With a median home price of $399,000 and a 20% down payment of $79,800, homebuyers can expect a monthly principal and interest payment of approximately $2,077.
Current Mortgage Rates in Hudson, NH
Below are the current average mortgage rates available in the Hudson 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 | 6.78% | 6.65% | +0.13% |
| 15-Year Fixed | 6.02% | 5.89% | +0.13% |
| 5/1 ARM | 6.27% | 6.15% | +0.12% |
| FHA | 6.52% | 6.25% | +0.27% |
| VA | 6.27% | 6.05% | +0.22% |
| Jumbo | 7.03% | 6.85% | +0.18% |
Hudson Housing Market Overview
The Hudson housing market reflects moderate demand with prices near the national average. The median household income in Hudson is $72,100, 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 $118,500 to comfortably afford the median-priced home in Hudson, which exceeds the current median household income.
Monthly Payment Breakdown for Hudson
Based on the median home price of $399,000 with 20% down ($79,800), here is what you can expect to pay monthly in Hudson:
15-Year vs. 30-Year Mortgage in Hudson
Choosing a 15-year mortgage in Hudson at 6.02% instead of a 30-year at 6.78% would save you $262,260 in total interest over the life of the loan. However, your monthly payment would be $2,697 instead of $2,077 — an increase of $620 per month.
Calculate Your Hudson 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 Hudson
What are the current mortgage rates in Hudson, NH?
As of March 2026, the average 30-year fixed mortgage rate in Hudson, New Hampshire is 6.78%, while the 15-year fixed rate is 6.02%. FHA loans average 6.52% and VA loans 6.27%. These rates are 0.13% above the national average of 6.65%.
How much is a monthly mortgage payment in Hudson?
Based on the median home price of $399,000 with 20% down, the estimated monthly mortgage payment in Hudson is $2,077 for principal and interest. Including property taxes of $688/month, the total monthly housing cost is approximately $2,765.
What income do I need to buy a home in Hudson?
Using the 28% rule, you would need an annual income of approximately $118,500 to afford the median-priced home in Hudson at $399,000. The median household income in Hudson is $72,100. This means most households would need to either earn above the median or consider homes below $399,000.
Is Hudson a good place to buy a home in 2026?
Hudson 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 2.07%, which is above the national average. Hudson has a population of 25,429 and offers a balanced lifestyle.
Mortgage Rates in Other New Hampshire Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Hudson, New Hampshire area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.