Local costs · New Hampshire
What a home costs across New Hampshire
Property-tax rates, insurance, and closing costs vary widely by county. Below are the state-wide rules that apply everywhere in New Hampshire, then every county with its own tax rate and insurance range.
Statewide facts
- Home insurance average
- About $1,188 per year for a standard HO-3 policy (NAIC 2022 state average). Individual counties run above or below this based on local hazard risk — see the table below.
- Transfer & recording tax
- New Hampshire transfer tax (buyer half): 0.75% of price — buyer customarily paysNew Hampshire transfer tax (seller half): 0.75% of price — seller customarily paysOn the $458,800 state median home, the buyer’s customary share is about $3,441; the seller customarily covers about $3,441.
- Title insurance
- New Hampshire uses competitive (filed) rates. Rates are competitive rather than state-set, so we model title and settlement from a national declining-rate curve calibrated to published costs.
- State income tax
- New Hampshire levies no state income tax. These are modeled effective rates from Tax Foundation 2026 brackets.
All 10 counties in New Hampshire
Effective property-tax rate (Census ACS) and a typical annual insurance range at the state median home value. Select a county for the full breakdown.
| County | Property tax | Insurance / yr |
|---|---|---|
| Belknap County | 1.31% | $750–$1,670typical $1,150 |
| Carroll County | 0.99% | $1,060–$2,360typical $1,630 |
| Cheshire County | 2.16% | $730–$1,640typical $1,130 |
| Coos County | 1.90% | $770–$1,730typical $1,190 |
| Grafton County | 1.72% | $590–$1,310typical $900 |
| Hillsborough County | 1.66% | $980–$2,180typical $1,500 |
| Merrimack County | 1.85% | $810–$1,800typical $1,240 |
| Rockingham County | 1.58% | $580–$1,290typical $890 |
| Strafford County | 1.85% | $580–$1,290typical $890 |
| Sullivan County | 2.14% | $600–$1,330typical $920 |
* Property-tax rate is approximate because the county’s Census median is top-coded.
How these numbers are built
Every figure comes from public data or our own math: Census ACS property taxes, NAIC insurance averages scaled by FEMA risk, and researched transfer-tax and title schedules.
Estimates, not advice. See the methodology for sources, vintages, and the honest gaps.