New Hampshire Home Buying Guide
Northeast Region · Non-Judicial Foreclosure State
Key Facts at a Glance
What Makes New Hampshire Unique
No sales or income tax but very high property taxes
Attorney required at closing
Transfer tax split between buyer and seller
First-Time Buyer Programs in New Hampshire
NHHFA Home Flex Plus
Contact your state housing finance agency for current eligibility and rates
NHHFA Home Preferred
Contact your state housing finance agency for current eligibility and rates
NH Works Home Buyer Tax Credit
Contact your state housing finance agency for current eligibility and rates
Program availability, income limits, and interest rates change frequently. Verify current terms with your lender or state housing finance agency.
Closing Costs in New Hampshire
Attorney at Closing
Attorney Required at Closing
New Hampshire requires a licensed real estate attorney to oversee the closing process. Budget $500–$1,500 for attorney fees.
Local Tips for New Hampshire Buyers
No income or sales tax is attractive but property tax is a trade-off.
NH has the 3rd highest property tax rate in US.
NHHFA Home Flex offers below-market rates and DPA up to $10K.
Estimated Annual Ownership Cost in New Hampshire
Based on the median home price of $430,000 with a 10% down payment and 7% mortgage rate.
Ready to Calculate Your Numbers?
Use our free calculators to estimate your monthly payment, affordability, and closing costs in New Hampshire.