Mortgage Rates in New Hampshire — June 2026
Compare mortgage rate benchmarks across 46 cities in New Hampshire. Amortio's estimated state average for a 30-year fixed loan is 6.69%, which is 0.16% above the Freddie Mac national benchmark of 6.53% from May 28, 2026. These figures are informational estimates, not lender quotes or APR offers.
What is the current New Hampshire mortgage-rate benchmark?
Amortio's New Hampshire state table shows an estimated 6.69% 30-year benchmark across 46 cities, versus Freddie Mac's 6.53% national 30-year PMMS benchmark from May 28, 2026. Use it to compare city payments, then request same-day lender Loan Estimates for APR, points, fees, lock period, and cash-to-close.
How to Read New Hampshire Mortgage Rates
New Hampshire is not one uniform mortgage market. The rate table below covers 46 cities, but the real payment difference comes from home price, income, property taxes, loan size, and whether a borrower fits conventional, FHA, VA, or jumbo pricing. Use this page to compare cities first, then use lender quotes for final APR and fee decisions.
- At the state-average payment of $1,771 per month and median income of $71,130, New Hampshire looks close to the traditional affordability line for many households.
- The observed city-level 30-year benchmark spread is 0.72 percentage points, from 6.17% to 6.89%. Even small rate differences matter more in expensive cities because they apply to larger loan balances.
- Property taxes are a bigger part of the payment conversation here, so compare principal-and-interest estimates with escrow included before choosing a lender.
- For buyers comparing down payment choices, pair this state page with the PMI calculator, affordability calculator, and closing cost estimator before assuming the lowest advertised rate creates the lowest total cost.
Payment-Efficient New Hampshire Cities
| City | P&I / Income | Monthly P&I | Median Income | 30-Year Rate |
|---|---|---|---|---|
| Belmont | 17.6% | $1,407 | $96,000 | 6.61% |
| Farmington | 18.5% | $1,344 | $87,000 | 6.71% |
| Berlin | 19.5% | $570 | $35,000 | 6.32% |
| Hampstead | 24.6% | $1,570 | $76,600 | 6.61% |
| Pelham | 24.7% | $1,639 | $79,500 | 6.78% |
Highest-Priced New Hampshire Markets to Stress-Test
New Hampshire Mortgage Quote Comparison Worksheet
Use this checklist before choosing between lender quotes, state assistance, builder credits, or a temporary buydown. It is built to catch the costs that do not show up in a simple rate table.
| Line Item | What to Compare |
|---|---|
| Rate vs APR | APR exposes points, lender fees, and credits that can hide inside a lower advertised rate. |
| Cash to close | Compare down payment, closing costs, prepaid taxes, insurance escrow, and any assistance or seller credit. |
| Payment after escrow | New Hampshire buyers should compare principal, interest, property tax, insurance, HOA or condo dues, and mortgage insurance together. |
| Assistance terms | Down payment assistance can be a grant, forgivable second, deferred second, or repayable loan; the repayment rule changes the real cost. |
| Rate lock and buydown | Temporary buydowns and lender credits can improve the first-year payment while leaving a higher long-run payment. |
A strong New Hampshire mortgage comparison should include at least two lender Loan Estimates plus one program or assistance check where available. Pair this worksheet with the affordability calculator, PMI calculator, and closing cost estimator.
New Hampshire Housing Program & High-Cost County Notes
New Hampshire borrowers should compare the mortgage-rate benchmark with New Hampshire Housing programs, cash-assistance options, county loan limits, property taxes, and the price gap between southern New Hampshire and smaller markets.
- New Hampshire Housing offers homeownership resources and mortgage programs through approved lenders; current income, purchase price, and assistance rules should be verified before applying.
- Cash-assistance options can help with down payment or closing costs, but borrowers should compare the rate, APR, second-loan terms, and lender fees.
- Rockingham, Hillsborough, Strafford, and other counties can differ meaningfully in price and loan-limit pressure.
- Property taxes can be a major payment component in New Hampshire, so compare principal and interest with full escrow before choosing a lender.
New Hampshire Loan Limit & Assistance Checks
| Area | Conforming | FHA | Why It Matters |
|---|---|---|---|
| New Hampshire conventional loans | Use FHFA lookup | Use HUD lookup | County loan limits and high-cost rules should be checked before deciding conforming, FHA, or jumbo. |
| New Hampshire Housing program loan | Program-specific | Program-specific | Approved-lender, income, purchase-price, and assistance rules can change. |
| High-tax local market | Loan limit plus escrow | HUD county lookup | Property taxes can affect approval and payment even when the rate is competitive. |
Official New Hampshire Mortgage Sources
New Hampshire Housing Highlights
All 46 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 |
| Belmont | 6.61% | $275,000 | $1,407 | 40,687 |
| Derry | 6.67% | $371,000 | $1,909 | 33,527 |
| New London | 6.89% | $475,000 | $2,500 | 32,859 |
| Dover | 6.66% | $385,000 | $1,979 | 32,741 |
| Rochester | 6.66% | $345,000 | $1,774 | 31,366 |
| Salem | 6.7% | $413,000 | $2,132 | 29,769 |
| Londonderry | 6.68% | $403,000 | $2,076 | 26,468 |
| Merrimack | 6.83% | $339,000 | $1,773 | 26,065 |
| Hudson | 6.78% | $399,000 | $2,077 | 25,429 |
| Keene | 6.66% | $275,000 | $1,414 | 23,409 |
| Bedford | 6.66% | $338,000 | $1,738 | 23,322 |
| Portsmouth | 6.66% | $595,000 | $3,059 | 22,158 |
| Goffstown | 6.74% | $360,000 | $1,866 | 18,293 |
| Laconia | 6.66% | $315,000 | $1,619 | 16,871 |
| Durham | 6.61% | $334,000 | $1,708 | 16,690 |
| Farmington | 6.71% | $260,000 | $1,344 | 16,564 |
| Exeter | 6.71% | $363,000 | $1,876 | 16,189 |
| Hampton | 6.84% | $312,000 | $1,634 | 16,187 |
| Milford | 6.81% | $360,000 | $1,879 | 15,990 |
| Windham | 6.69% | $340,000 | $1,753 | 14,904 |
| Hooksett | 6.65% | $389,000 | $1,998 | 14,871 |
| Pelham | 6.78% | $315,000 | $1,639 | 14,222 |
| Lebanon | 6.17% | $335,000 | $1,636 | 13,728 |
| Claremont | 6.46% | $195,000 | $982 | 12,901 |
| Hanover | 6.65% | $342,000 | $1,756 | 11,870 |
| Somersworth | 6.67% | $381,000 | $1,961 | 11,766 |
| Amherst | 6.81% | $330,000 | $1,723 | 11,201 |
| Berlin | 6.32% | $115,000 | $570 | 10,200 |
| Raymond | 6.62% | $331,000 | $1,695 | 10,138 |
| Weare | 6.63% | $358,000 | $1,835 | 8,785 |
| Franklin | 6.72% | $316,000 | $1,635 | 8,741 |
| Hampstead | 6.61% | $307,000 | $1,570 | 8,523 |
| Litchfield | 6.81% | $293,000 | $1,530 | 8,271 |
| Hollis | 6.81% | $369,000 | $1,926 | 7,684 |
| Plaistow | 6.85% | $335,000 | $1,756 | 7,609 |
| Bow | 6.66% | $343,000 | $1,763 | 7,519 |
| Swanzey | 6.65% | $323,000 | $1,659 | 7,230 |
| 6 more New Hampshire city mortgage-rate pages are available as individual pages and in the XML sitemap. | ||||
New Hampshire Mortgage Rates Guide — 2026
New Hampshire homebuyers can use an estimated 30-year fixed benchmark of 6.69%, with median home prices around $343,196. At these rates, the typical monthly mortgage payment (principal and interest with 20% down) is $1,771.
The most affordable city for homebuyers in New Hampshire is Berlin, where the median home price is $115,000. On the other end, Portsmouth has the highest prices at $595,000. Property tax rates across the state average 2.16%.
To comfortably afford a home at the state average price, a household income of approximately $75,900 is recommended, following the standard guideline that housing costs should not exceed 28% of gross income.
For New Hampshire mortgage-rate searches, compare Manchester, Nashua, Concord, Portsmouth-area towns, Dover, Rochester, and smaller cities separately. High property taxes and local price differences can change affordability more than the rate table alone shows.
Use our free loan calculator to see your estimated monthly payments and amortization schedule, or browse individual city pages below for localized rate data and market insights.
Methodology & Mortgage Rate Data Sources
How we calculate New Hampshire mortgage rates: Our rate estimates start with weekly mortgage-rate benchmarks and then compare city-level housing assumptions. They are designed for planning and comparison, not as a guarantee of lender pricing.
- Benchmark mortgage rates from Freddie Mac Primary Mortgage Market Survey (PMMS) — the most-cited weekly survey of 30-year and 15-year fixed conforming rates.
- Federal Reserve rate policy tracked via FRED — Federal Reserve Economic Data — the St. Louis Fed's authoritative database of interest rate series.
- Conforming loan limits set annually by the FHFA Conforming Loan Limit announcements (New Hampshire 2026: $832,750 baseline, with higher one-unit limits in high-cost counties).
- State lending regulation context from HUD State Information pages covering FHA, down payment assistance, and housing finance agency programs in New Hampshire.
- Mortgage market trends tracked via Mortgage Bankers Association (MBA) Weekly Applications Survey — the industry benchmark for mortgage demand and rate sensitivity.
Authoritative mortgage rate data sources:
- Freddie Mac PMMS — weekly 30yr and 15yr fixed rate benchmark
- FRED — Federal Reserve Economic Data — interest rate and housing series
- FHFA — Federal Housing Finance Agency — conforming loan limits and HPI
- HUD — Housing and Urban Development — FHA programs and state assistance
- New Hampshire Housing — official NH homeownership programs and lender resources
- CFPB Mortgage Rate Checker — personalized rate comparison tool
- VA Home Loan Program — zero down payment loan for eligible veterans
Rate Disclaimer: Rates shown are estimates based on current market surveys and may not reflect actual lender quotes. Your rate depends on credit score, loan-to-value ratio, down payment, property type, and lender. Always obtain personalized rate quotes from multiple lenders. Rates change daily.
Reviewed by Brazora Monk · Last updated May 2026 · Freddie Mac PMMS data current as of May 28, 2026
Frequently Asked Questions — New Hampshire Mortgages
What are current mortgage rates in New Hampshire?
As of May 28, 2026, Freddie Mac's national benchmark was 6.53% for the 30-year fixed and 5.87% for the 15-year fixed. Amortio's New Hampshire city comparison shows an estimated 30-year benchmark average of 6.69% and 15-year average of 5.93%. Rates vary by city, lender, lock date, fees, and borrower qualification.
What is the average home price in New Hampshire?
The median home price across 46 cities in New Hampshire is $343,196. Prices range from $115,000 in Berlin 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 $75,900 to comfortably afford the average home in New Hampshire. The median household income in the state is approximately $71,130.
Why do New Hampshire mortgage payments need a tax stress test?
New Hampshire property taxes can materially affect escrow. Borrowers should compare rate, APR, taxes, insurance, assistance terms, and closing costs instead of comparing principal and interest alone.
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