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Sarah Mitchell
Compass Real Estate · New Hampshire
“Your trusted relocation specialist since 2009. 350+ homes sold. Zero-pressure, data-first approach.”
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New Hampshire housing market
New Hampshire housing market summary
The typical home in New Hampshire is worth $516,306, up 2.9% over the past year. Homes that actually closed went for a median of $537,900 after 38 days on market. On supply, pricing discipline, and speed of sale, New Hampshire currently reads as a seller's market at 2.9 months of supply. At today's 7.03% 30-year fixed rate, that typical home costs $2,756 a month in principal and interest with 20.0% down.
Sources: Zillow, August 2026 · Refreshes monthly · Redfin, through May 2026 · Freddie Mac via FRED, September 2026
New Hampshire housing market at a glance
Every tile carries the provider and the month it was published
Typical home value
$516,306
+2.9% YoY · Zillow, August 2026
Median sale price
$537,900
Redfin, through May 2026
Typical asking rent
$2,233/mo
Median of 21 cities · Zillow, August 2026
30-yr fixed rate
7.03%
Freddie Mac via FRED, September 2026
Monthly P&I
$2,756
20.0% down, 30-yr fixed
Days on market
38
+7 days YoY
Active listings
4,423
+10.6% YoY
Median household income
$95,628
U.S. Census ACS, 2023
Typical home value is Zillow's ZHVI — the value of a typical home across the whole housing stock, not just the homes that sold. Median sale price is what actually closed. Redfin stopped publishing public market trackers in June 2026; latest available period is May 2026.
Where New Hampshire home prices are heading
New Hampshire's typical home value is $516,306, up 2.9% over 12 months. The two-year number matters more than the one-year number: it spans a full rate cycle rather than a single seasonal swing. Values are at or within a rounding error of their two-year high.
Against the national picture, New Hampshire runs 40.0% above the U.S. typical home value of $368,697, and its 12-month move of +2.9% is outpacing the national pace of +1.2%.
What would have to change for New Hampshire prices to fall. Prices fall when supply outruns demand for long enough that sellers compete on price rather than waiting. New Hampshire is carrying 2.9 months of supply — below the four-month line, so inventory would have to roughly double before sellers lose pricing power. Active listings are +10.6% year over year and new listings +3.0%, so supply is rebuilding — the condition that precedes price softness. The other lever is the rate. At 7.03%, existing owners with cheaper mortgages have little reason to list, which is what has kept supply artificially low across most of the country. A sustained move down in rates unlocks those sellers and adds inventory; it also adds buyers. Which side moves first decides the direction.
Market trends
Statewide monthly series · Redfin, through May 2026 · No longer updating · Redfin stopped publishing public market trackers in June 2026; latest available period is May 2026.
What it costs to buy in New Hampshire at today's rate
Down payment
$103,261
20.0% of value
Loan amount
$413,045
30-yr fixed
Monthly P&I
$2,756
at 7.03%
Income needed
$118,114
28.0% front-end ratio
A buyer purchasing the typical New Hampshire home at $516,306 puts $103,261 down, finances $413,045, and pays $2,756 a month in principal and interest. Property taxes, homeowners insurance, HOA dues, and mortgage insurance sit on top of that and vary by county — budget for them separately rather than assuming the P&I figure is the payment.
Lenders typically want principal and interest under 28.0% of gross income, which puts the qualifying income for that purchase at roughly $118,114. New Hampshire's median household earns $95,628 (Census ACS 2023) — a gap of $22,486 above what the median household brings in. Put differently, the median household would spend 34.6% of gross income on principal and interest alone — above the ratio most lenders underwrite to, which is why buyers here typically need a larger down payment, a co-borrower, or a cheaper city than the statewide typical home.
The value-to-income ratio in New Hampshire is 5.4x. Anything above 5x means prices have run well ahead of local earnings; buyers are relying on dual incomes, prior equity, or outside capital rather than local wages. Model your own numbers in the affordability calculator or the mortgage calculator.
Figures are illustrative, not a quote or a pre-approval. Rate: Freddie Mac via FRED, September 2026 · Value: Zillow, August 2026 · Income: U.S. Census ACS, 2023
Buying in New Hampshire in the next 12 months?
Tell us your timeline. We send the New Hampshire market brief: the price ranges that are actually clearing, the cities where your budget goes furthest, and what to fix on your credit before you apply.
Rent or buy in New Hampshire?
Zillow publishes its rent index per city rather than per state, so the honest statewide read is the median across the 21 largest New Hampshire cities that carry it: $2,233 a month. Set against a typical home value of $516,306, that is a price-to-rent ratio of 19.3x.
Between 15x and 20x the two options are close enough that the tiebreaker is how long you stay, not the ratio itself. Principal and interest on the typical home runs $523 more per month than that typical rent — and that is before taxes, insurance, and the roughly 1% of value a year most owners spend on maintenance.
For a second read on the same question, the Census ACS puts median gross rent across all New Hampshire households — every unit type, not just what is currently listed — at $1,423 a month (2023), with 72.5% of New Hampshire households owning rather than renting. Asking rents lead the ACS figure because they reflect today's new leases rather than the whole stock of existing ones.
Run the rent-vs-buy calculator with your own holding period and down payment — the statewide ratio is a starting point, not an answer.
Supply: what is on the market in New Hampshire
| Measure | Latest | Year earlier | Change |
|---|---|---|---|
| Active listings | 4,423 | 3,999 | +10.6% |
| New listings | 2,551 | 2,477 | +3.0% |
| Homes sold | 1,518 | 1,474 | +3.0% |
| Months of supply | 2.9 | 2.7 | +0.2 |
| Sale-to-list ratio | 100.5% | 100.9% | Above asking |
What these mean. Active listings is the shelf — everything a buyer could tour today. New listings is restock rate; when it falls faster than sales, the shelf empties. Months of supply is active inventory divided by homes sold per month: at the current sales pace, how many months it would take to sell every home currently listed. Under 4 months of supply tilts toward sellers, 4 to 5 months is the neutral band, and above 5 months tilts toward buyers — above 7 months is a glut. These are the same thresholds the market verdict on every city and ZIP page is scored against. Sale-to-list ratio is the discipline check — above 100% means homes are clearing over asking on average, below means sellers are conceding.
Redfin, through May 2026 · No longer updating — Redfin stopped publishing public market trackers in June 2026; latest available period is May 2026. Zillow's inventory and new-listing counts are published per city and appear on the individual city pages.
Where New Hampshire home values are moving fastest
12-month change in typical home value · Zillow, August 2026
Rising fastest
- 1.Bradford+10.0%
- 2.Troy+9.9%
- 3.Lisbon+8.3%
- 4.Milton+7.8%
- 5.Francestown+6.1%
- 6.Enfield+6.0%
- 7.Groveton+5.8%
- 8.Hanover+5.4%
Falling
- 1.Colebrook-5.2%
- 2.Berlin-2.3%
- 3.Bethlehem-1.5%
- 4.Gorham-1.5%
- 5.Littleton-1.4%
- 6.Durham-0.6%
- 7.Bennington-0.5%
- 8.Walpole-0.2%
Computed from Zillow's typical home value for each city at August 2026 against the same month a year earlier, across the 90 largest New Hampshire cities by population. Small markets swing hardest because a handful of transactions moves the index — read the city page before treating a large move as a trend.
The most and least expensive cities in New Hampshire
Typical home value across the 90 largest cities · Zillow, August 2026
Most expensive
- 1.Hanover$1.00M
- 2.Newfields$869,726
- 3.Portsmouth$797,662
- 4.New London$710,657
- 5.Durham$705,991
- 6.Meredith$685,720
- 7.Amherst$665,478
- 8.New Boston$631,435
- 9.Hampton$631,068
- 10.Londonderry$619,009
Most affordable
- 1.Groveton$172,035
- 2.Berlin$185,545
- 3.Colebrook$226,793
- 4.Gorham$252,786
- 5.Claremont$284,115
- 6.Hinsdale$295,188
- 7.Lancaster$305,859
- 8.Charlestown$307,453
- 9.Winchester$307,839
- 10.Lisbon$310,398
The spread between Hanover and Groveton is 5.8x — one reason a single statewide number is close to useless for a buyer with a fixed budget. Pick the city first, then the price band. Speed is a separate axis from price: Hooksett was the quickest of these markets to clear at 6 days on market (Redfin, through May 2026).
How New Hampshire compares
| Market | Typical value | 12-mo change | Median income | Value / income |
|---|---|---|---|---|
| New Hampshire | $516,306 | +2.9% | $95,628 | 5.4x |
| United States | $368,697 | +1.2% | — | — |
| Massachusetts | $661,896 | +2.3% | $101,341 | 6.5x |
| Maine | $415,552 | +1.6% | $71,773 | 5.8x |
| Vermont | $399,053 | +1.0% | $78,024 | 5.1x |
The three states above are New Hampshire's nearest land neighbours — the markets buyers most often price against when a move is still negotiable. Maine and Vermont carry lower typical home value than New Hampshire, which is what makes them the usual destination for equity-funded moves out of New Hampshire.
Values and 12-month changes: Zillow, August 2026 · Refreshes monthly. Income: U.S. Census ACS, 2023. ACS publishes household income per state, not for the nation on the same basis, so the U.S. row shows home value only.
New Hampshire housing markets by city
91 cities tracked — the 60 largest by population shown
Manchester
$441,115
Nashua
$509,265
Concord
$455,058
Dover
$546,302
Rochester
$410,388
Keene
$358,686
Portsmouth
$797,662
Derry
$506,795
Laconia
$442,834
Lebanon
$464,813
Claremont
$284,115
Londonderry
$619,009
Somersworth
$449,639
Durham
$705,991
Exeter
$616,112
Hampton
$631,068
Berlin
$185,545
Milford
$516,769
Franklin
$385,660
Hanover
$1.00M
Hudson
$541,057
South Hooksett
Pop. 6K
Newmarket
$570,064
Hooksett
$532,494
Newport
$328,330
Suncook
Pop. 5K
Plymouth
$377,119
East Merrimack
Pop. 5K
Pinardville
Pop. 5K
Littleton
$357,152
Raymond
$493,111
Farmington
$426,843
Tilton Northfield
Pop. 3K
Goffstown
$497,311
Meredith
$685,720
Jaffrey
$409,877
Henniker
$501,739
Epping
$565,419
Hampton Beach
Pop. 3K
Peterborough
$477,232
Lancaster
$305,859
Bristol
$410,078
Gorham
$252,786
Enfield
$467,183
Pittsfield
$422,822
Hillsborough
$378,626
Wilton
$508,115
Whitefield
$331,886
Ashland
$364,879
New London
$710,657
Winchester
$307,839
Woodsville
Pop. 1K
Hinsdale
$295,188
Contoocook
Pop. 1K
Antrim
$426,989
Belmont
$467,186
West Swanzey
Pop. 1K
Colebrook
$226,793
Greenville
$393,915
Bethlehem
$356,998
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What to do next in New Hampshire
If you are buying
- Set the payment before the price. Start from what you can carry monthly, then work backwards with the affordability calculator — the typical New Hampshire home is $2,756/mo in P&I today.
- Pick the city, not the state. Values across New Hampshire run from $172,035 in Groveton to $1.00M in Hanover.
- Put two finalists head to head in the city comparison tool before you tour anything.
- Fix the credit file before you shop the rate. A better score moves the payment more than haggling over price does at 7.03%.
If you are selling
- Price against your city, not the statewide figure — the spread between New Hampshire markets is wider than the year-over-year move in any of them.
- Read the supply table above. At 2.9 months of supply, you still set the terms — but only if the home is priced to the comps on day one.
- Watch days on market in your city, not the state. The statewide median was 38 days (Redfin, through May 2026); your city page carries its own.
- Time the listing against new-listing volume. New listings are +3.0% year over year — less competition than a year ago.
New Hampshire housing market questions
What is the typical home value in New Hampshire?
The typical home value in New Hampshire is $516,306 (Zillow, August 2026). That is a +2.9% change over the past 12 months. The median price of homes that actually sold was $537,900 (Redfin, through May 2026); sale prices skew toward whatever segment is transacting, which is why they differ from the typical-value figure.
Are New Hampshire home prices going up or down?
New Hampshire home values are up 2.9% year over year (Zillow, August 2026). Values are at or near their highest reading in the past two years.
How much income do you need to buy a home in New Hampshire?
At the current 30-year fixed rate of 7.03%, a $516,306 home with 20.0% down carries roughly $2,756 a month in principal and interest. Using the 28% front-end ratio most lenders underwrite to, that implies a household income of about $118,114 before taxes, insurance, HOA dues, or mortgage insurance are added. New Hampshire's median household income is $95,628 (Census ACS, 2023), a gap of $22,486 above the median household. These figures are illustrative, not a quote or a pre-approval.
Is it cheaper to rent or buy in New Hampshire?
Typical asking rent across the largest New Hampshire cities Zillow publishes rent data for is $2,233 a month (median of 21 cities, Zillow, August 2026). Against a typical home value of $516,306, that is a price-to-rent ratio of 19.3x. Ratios under about 15x generally favour buying if you plan to stay put; above about 20x, renting and investing the difference tends to win over short horizons. Principal and interest alone runs $523 more than that typical rent each month, before taxes, insurance, and maintenance.
Which New Hampshire cities are the most affordable?
Among the largest cities we track in New Hampshire, the lowest typical home values are in Groveton ($172,035), Berlin ($185,545), Colebrook ($226,793), Gorham ($252,786), Claremont ($284,115). Values are Zillow's typical-home-value index for August 2026.
Which New Hampshire cities are the most expensive?
The highest typical home values among the largest New Hampshire cities are in Hanover ($1.00M), Newfields ($869,726), Portsmouth ($797,662), New London ($710,657), Durham ($705,991). Price per square foot, inventory, and days on market for each are on the individual city pages.
Which New Hampshire cities are appreciating the fastest?
Over the past 12 months the largest home-value gains among New Hampshire cities we track were in Bradford (+10.0%), Troy (+9.9%), Lisbon (+8.3%), Milton (+7.8%), Francestown (+6.1%). Fast appreciation usually reflects constrained supply, in-migration, or a small transaction base — check the individual city page before reading it as a trend.
How long do homes take to sell in New Hampshire?
Homes in New Hampshire spent a median of 38 days on market in the last month Redfin published (Redfin, through May 2026). That is 7 days slower than the same month a year earlier. The quickest market among the state's largest cities was Hooksett at 6 days. Redfin stopped publishing public market trackers in June 2026; latest available period is May 2026.
How does New Hampshire compare to neighboring states?
New Hampshire's typical home value of $516,306 compares with Massachusetts at $661,896, Maine at $415,552, Vermont at $399,053. The U.S. typical home value is $368,697, putting New Hampshire 40.0% above the national figure. Maine and Vermont are cheaper on a typical-value basis.
Is now a good time to buy in New Hampshire?
That depends on your timeline, not the headline. The measurable inputs today: a 30-year fixed rate of 7.03%, 2.9 months of supply statewide (Redfin, through May 2026), active listings +10.6% year over year, and home values +2.9% over the past year. Buyers with a five-year-plus horizon are mostly exposed to the payment, not the price, so the rate you can qualify for matters more than the month you buy. Properties Incorporated is an independent data platform, not a brokerage or lender — this is information, not advice.
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Neighboring state markets
- Massachusetts housing market — $661,896 typical value
- Maine housing market — $415,552 typical value
- Vermont housing market — $399,053 typical value
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