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Best Mortgage Rates in New Hampshire — April 2026

Compare current New Hampshire mortgage rates across loan types. The average home price in New Hampshire is $460,000 with a property tax rate of 2.09%. Find the best rate for your New Hampshire home purchase or refinance.

Avg Home Price
$460,000
Property Tax Rate
2.09%
Median Income
$88,235
Population
1.4M

Current New Hampshire Mortgage Rates

Updated April 2026. Rates shown are averages — your rate depends on credit score, down payment, loan amount, and lender.

Loan TypeRateAPRMonthly P&I*
30-Year Fixed6.90%7.02%$2,425
20-Year Fixed6.67%6.77%$2,782
15-Year Fixed6.20%6.28%$3,146
10-Year Fixed6.00%6.07%$4,086
FHA 30-Year6.50%6.65%$2,327
VA 30-Year6.30%6.40%$2,279

*Monthly payment based on $368,000 loan (20% down on $460,000 avg home price). Does not include taxes or insurance.

Estimated Monthly Payment in New Hampshire

Full PITI breakdown for a $460,000 home with 20% down at 6.90%:

Principal & Interest$2,425
Property Taxes$801
Homeowners Insurance$134
Total Monthly (PITI)$3,360

New Hampshire First-Time Homebuyer Programs

NHHFA Home Flex Plus

The New Hampshire Housing Finance Authority offers programs to help first-time buyers in New Hampshire achieve homeownership. Benefits typically include:

  • Below-market interest rates for qualifying borrowers
  • Down payment assistance (up to 3-5% of purchase price)
  • Closing cost assistance programs
  • Homebuyer education and counseling
  • Compatible with FHA, VA, USDA, and conventional loans

Income limits, purchase price limits, and credit score requirements apply. Contact the New Hampshire Housing Finance Authority directly for current program details.

Popular Cities for Homebuying in New Hampshire

🏠Manchester
🏠Nashua
🏠Concord
🏠Dover

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New Hampshire Mortgage FAQs

What are current mortgage rates in New Hampshire?+
As of April 2026, average mortgage rates in New Hampshire are approximately 6.90% for a 30-year fixed, 6.20% for a 15-year fixed, and 6.50% for an FHA 30-year loan. Rates vary based on your credit score, down payment, loan amount, and lender. Use our mortgage calculator to estimate your specific payment.
How much house can I afford in New Hampshire?+
With the average home price of $460,000 in New Hampshire and a median household income of $88,235, affordability depends on your debt-to-income ratio, down payment, and current rates. A general rule is your monthly payment (including taxes and insurance) should not exceed 28-33% of gross income. At current rates, a $460,000 home with 20% down would cost approximately $3,360/month.
What is the property tax rate in New Hampshire?+
The effective property tax rate in New Hampshire averages 2.09%. On the average home price of $460,000, that's approximately $9,614 per year or $801/month. Property taxes are a significant part of your monthly housing cost and vary by county.
Are there first-time homebuyer programs in New Hampshire?+
Yes! New Hampshire offers the NHHFA Home Flex Plus through the New Hampshire Housing Finance Authority. This program typically provides below-market interest rates, down payment assistance, and closing cost help for qualifying first-time buyers. Income limits and property value caps apply. Contact the New Hampshire Housing Finance Authority for current program details and eligibility.
Should I get a 15-year or 30-year mortgage in New Hampshire?+
A 15-year mortgage in New Hampshire currently offers rates around 6.20% vs 6.90% for 30-year, saving you significantly on interest. On a $368,000 loan, the 30-year payment is $2,425/month while a 15-year is $3,146/month. Choose 15-year if you can afford the higher payment; choose 30-year for more cash flow flexibility.
What credit score do I need to buy a home in New Hampshire?+
In New Hampshire, conventional loans typically require a 620+ credit score, FHA loans require 580+ (or 500+ with 10% down), and VA loans have no official minimum but lenders usually want 620+. Higher credit scores get better rates — a score of 760+ qualifies for the best rates in New Hampshire, potentially saving thousands over the life of the loan. The New Hampshire Housing Finance Authority programs may have specific credit requirements.

New Hampshire Mortgage Tools

🏠Mortgage Calculator🔄Refinance Calculator🏡HELOC Calculator📖Mortgage Guide

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