Mortgage Rates in New Hampshire — March 2026
Compare current mortgage rates across 8 cities in New Hampshire. The average 30-year fixed rate is 6.66%, which is 0.01% above the national average of 6.65%.
New Hampshire Housing Highlights
All 8 Cities in New Hampshire
| City | 30-Yr Rate | Home Price | Monthly P&I | Population |
|---|---|---|---|---|
| Manchester | 6.66% | $375,000 | $1,928 | 115,644 |
| Nashua | 6.66% | $415,000 | $2,134 | 91,322 |
| Concord | 6.66% | $345,000 | $1,774 | 43,976 |
| Dover | 6.66% | $385,000 | $1,979 | 32,741 |
| Rochester | 6.66% | $345,000 | $1,774 | 31,366 |
| Keene | 6.66% | $275,000 | $1,414 | 23,409 |
| Portsmouth | 6.66% | $595,000 | $3,059 | 22,158 |
| Laconia | 6.66% | $315,000 | $1,619 | 16,871 |
New Hampshire Mortgage Rates Guide — 2026
New Hampshire homebuyers currently see an average 30-year fixed mortgage rate of 6.66%, with median home prices around $381,250. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,960.
The most affordable city for homebuyers in New Hampshire is Keene, where the median home price is $275,000. On the other end, Portsmouth has the highest prices at $595,000. Property tax rates across the state average 2.09%.
To comfortably afford a home at the state average price, a household income of approximately $84,000 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
Use our free loan calculator to see your exact monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Frequently Asked Questions — New Hampshire Mortgages
What are current mortgage rates in New Hampshire?
As of March 2026, the average 30-year fixed mortgage rate in New Hampshire is 6.66% and the 15-year fixed rate averages 5.9%. Rates vary by city, lender, and borrower qualification.
What is the average home price in New Hampshire?
The median home price across 8 cities in New Hampshire is $381,250. Prices range from $275,000 in Keene to $595,000 in Portsmouth.
How much income do I need to buy a house in New Hampshire?
Based on the 28% debt-to-income guideline, you would need a household income of approximately $84,000 to comfortably afford the average home in New Hampshire. The median household income in the state is approximately $63,750.
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