Mortgage rates in New Hampshire
Average 30-year fixed 6.49% · Updated July 9, 2026 · Freddie Mac (FRED)
New Hampshire has no income or sales tax but very high property taxes. Below is what buying at New Hampshire's median price looks like at today's national average rate, plus the local property tax and assistance that actually change your payment.
What a mortgage costs in New Hampshire
The interest rate on a New Hampshire mortgage is the same 6.49% national average a lender would quote anywhere — rates are set by the bond market, not by your state. On New Hampshire's median $608,750 home with 20% down, the loan works out to $487,000, or about $3,075 a month in principal and interest.
What makes New Hampshire different is the cost around the loan. Its 1.89% effective property-tax rate adds roughly $959 a month, and homeowners insurance about $228 more — bringing the all-in estimate to $4,262. Those local costs, not the interest rate, are what set New Hampshire apart. Your own price and down payment will move the number — work backward from your income with the affordability estimator.
Getting approved in New Hampshire
Federal HMDA lending records show New Hampshire lenders originated 35,609 home loans in 2025 and denied 9,513 applications — an approval rate near 78.9% among decisioned applications, against 76.6% nationwide. See how all 50 states compare in our mortgage approval report, and how New Hampshire ranks for lender complaints (2,340 on record).
Shopping for a loan? See the most active mortgage lenders in New Hampshire, ranked by federal HMDA volume.
Down-payment help in New Hampshire
You rarely need 20% down. NH Housing — New Hampshire's housing finance agency — runs the state's main assistance program: NH Housing offers up to $15,000 in cash down-payment assistance. Eligibility usually turns on income limits and a homebuyer-education course. Check current terms at NH Housing, see how a smaller down payment changes your number with the down-payment estimator, or compare assistance in every state.
New Hampshire mortgage FAQ
What is the current mortgage rate in New Hampshire?
As of July 9, 2026, the U.S. average 30-year fixed rate is 6.49%. The note rate itself is set nationally, not by state — a lender prices your New Hampshire loan the same way it would anywhere, based on your credit, down payment and loan type.
What changes locally is everything around the rate: New Hampshire's ~1.89% effective property tax, insurance costs, and which assistance programs apply.
What is the monthly payment on a typical New Hampshire home?
On New Hampshire's median home price of about $608,750 with 20% down at today's 6.49% average 30-year rate, expect roughly $4,262/month — that's $3,075 principal and interest plus about $959 property tax and $228 insurance. Adjust the numbers for your exact price and down payment in our calculators.
How hard is it to get approved for a mortgage in New Hampshire?
In 2025, New Hampshire lenders originated 35,609 home loans and denied 9,513 applications — an approval rate of about 78.9% among decisioned applications, versus 76.6% nationally, according to federal HMDA data. See how every state ranks in our mortgage approval report.
Rates shown are national weekly averages for general guidance, not an offer or personalized quote. Payment estimates assume the down payment noted plus estimated taxes and insurance. Confirm current pricing with a licensed lender.