Mortgage Rates in Plaistow, New Hampshire — March 2026
Updated March 2026 | Based on Plaistow market data and regional lending conditions
Plaistow is a growing city in New Hampshire with a population of 7,609. The current 30-year fixed mortgage rate in Plaistow is 6.85%, which is 0.2% above the national average. With a median home price of $335,000 and a 20% down payment of $67,000, homebuyers can expect a monthly principal and interest payment of approximately $1,756.
Current Mortgage Rates in Plaistow, NH
Below are the current average mortgage rates available in the Plaistow 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 | 6.85% | 6.65% | +0.2% |
| 15-Year Fixed | 6.07% | 5.89% | +0.18% |
| 5/1 ARM | 6.31% | 6.15% | +0.16% |
| FHA | 6.55% | 6.25% | +0.3% |
| VA | 6.3% | 6.05% | +0.25% |
| Jumbo | 7.1% | 6.85% | +0.25% |
Plaistow Housing Market Overview
The Plaistow housing market reflects moderate demand with prices near the national average. The median household income in Plaistow is $73,200, and the cost of living index is 114.8 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $101,100 to comfortably afford the median-priced home in Plaistow, which exceeds the current median household income.
Monthly Payment Breakdown for Plaistow
Based on the median home price of $335,000 with 20% down ($67,000), here is what you can expect to pay monthly in Plaistow:
15-Year vs. 30-Year Mortgage in Plaistow
Choosing a 15-year mortgage in Plaistow at 6.07% instead of a 30-year at 6.85% would save you $223,200 in total interest over the life of the loan. However, your monthly payment would be $2,272 instead of $1,756 — an increase of $516 per month.
Calculate Your Plaistow Mortgage Payment
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Open Free CalculatorFrequently Asked Questions About Mortgages in Plaistow
What are the current mortgage rates in Plaistow, NH?
As of March 2026, the average 30-year fixed mortgage rate in Plaistow, New Hampshire is 6.85%, while the 15-year fixed rate is 6.07%. FHA loans average 6.55% and VA loans 6.3%. These rates are 0.2% above the national average of 6.65%.
How much is a monthly mortgage payment in Plaistow?
Based on the median home price of $335,000 with 20% down, the estimated monthly mortgage payment in Plaistow is $1,756 for principal and interest. Including property taxes of $603/month, the total monthly housing cost is approximately $2,359.
What income do I need to buy a home in Plaistow?
Using the 28% rule, you would need an annual income of approximately $101,100 to afford the median-priced home in Plaistow at $335,000. The median household income in Plaistow is $73,200. This means most households would need to either earn above the median or consider homes below $335,000.
Is Plaistow a good place to buy a home in 2026?
Plaistow has a moderate cost of living with a cost of living index of 114.8 (national average = 100). The property tax rate in New Hampshire is 2.16%, which is above the national average. Plaistow has a population of 7,609 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 Plaistow, New Hampshire area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.