What is the average mortgage rate in New Hampshire in 2026?
Around 7.46% as of October 19, 2026 on a 30-year fixed in this national benchmark model — in line with the US average shown above.
Best Mortgage Rates New Hampshire 2026
New Hampshire's average home price is about $420,000 in 2026. The state does not tax wage income, but may tax interest and dividends separately. A transfer tax of about 0.75% each for buyer and seller is common on deed transfers.
30-year fixed
7.46%
National avg
15-year fixed
6.82%
National avg
5/1 ARM
6.82%
National avg
| Product | Rate (APR) |
|---|---|
| 30-year fixed (national avg) | 7.46% |
| 15-year fixed (national avg) | 6.82% |
| 5/1 ARM (national avg) | 6.82% |
Rates verified Oct 21, 2026
Rates shown are national benchmark averages for this page, not live quotes from lenders. Confirm pricing with banks and brokers in New Hampshire. Not financial advice.
New Hampshire at a glance
- Average home price: $420,000
- State income tax: No state income tax on wages (I&D tax may apply)
- Transfer / conveyance tax: Yes — about 0.75% buyer + 0.75% seller
- Typical monthly payment: $2,340/mo on $420,000 with 20% down, 30-year term, at 7.46% — excludes taxes, insurance, and HOA.
Frequently Asked Questions
Does New Hampshire have a real estate transfer tax?
New Hampshire often applies a real estate transfer tax split roughly 0.75% to the buyer and 0.75% to the seller (1.5% combined) on many residential sales.
What is the average home price in New Hampshire in 2026?
$420,000 — used here as an illustrative average for payment math.
How much do I need to earn to afford a home in New Hampshire?
To afford $420,000 with 20% down at 7.46% on a 30-year loan, many lenders use debt-to-income rules that imply approximately $95,000–$105,000 annual income before taxes — your lender may differ.
US mortgage calculator · Educational reference only. Not financial or lending advice.