New Hampshire— Property Tax & Closing Costs
2024 Census dataEffective tax rate
1.90%
of assessed value annually
Median home value
$188,900
2024 ACS survey
Median taxes paid
$3,579/yr
2024 data
Coos County's 1.90% effective property tax rate ranks 114th highest among the 3,134 US counties tracked, placing it in the top 5% highest nationally. Within New Hampshire's 10 counties, it's the 3rd highest. On the county's median home value of $188,900, the typical homeowner pays $3,579 annually in property tax — $1,950 more than the national median of $1,629. At closing, New Hampshire's 1.50% combined real estate transfer tax adds roughly $2,834 on a median-priced home, split between buyer and seller.
Calculate your true cost
Enter any purchase price to see the full cost breakdown for Coos County.
County median: $188,900
Leave at $0 if the property has no homeowners association.
LTV: 80.00%
At closing
Monthly ongoing
Year one
Low flood risk. Flood insurance not typically required. Verify at msc.fema.gov for your specific property.
All figures are estimates for planning purposes only. Mortgage payment assumes a 30-year fixed rate of 6.8% — your lender will confirm the actual rate. Closing costs vary by lender and transaction. Consult a licensed real estate attorney and lender before making any financial decisions.
New Hampshire property tax exemptions
Ways buyers in Coos County may reduce their annual property tax. These programs apply statewide; verify county specifics with your local assessor.
Elderly Exemption
Locally adopted graduated exemption for residents 65+ with 3+ years NH residency. Example amounts: $125,000 (65-74), $175,000 (75-79), $225,000 (80+). Income/asset limits vary by town.
View official source →Veterans' Tax Credit
Credit of $51-$750 for qualifying wartime veterans and surviving spouses, set by each municipality. $700 credit for permanently and totally service-connected disabled veterans or paraplegics.
View official source →Disabled Exemption
Locally adopted exemption for homeowners deemed eligible under Title II or XVI of the Social Security Act, with municipality-set income and asset limits.
View official source →Last verified 2026-04. Exemption amounts and eligibility change frequently — always confirm with your county assessor before claiming.
Frequently asked questions
Answers to common questions about buying a home in Coos County.
The effective property tax rate in Coos County is 1.90% — calculated as the median annual property tax paid ($3,579) divided by the median home value ($188,900), using 2024 US Census ACS 5-year estimates. Your actual bill depends on your purchase price, homestead or senior exemptions, and any special assessments applied in your taxing district.
New Hampshire's combined real estate transfer tax is approximately 1.50% of the purchase price. On the median Coos County home value of $188,900, this adds roughly $2,834 at closing. Statute (RSA 78-B) imposes $1.50/$100 (1.5%) total, split evenly: 0.75% buyer + 0.75% seller. Minimum tax $40 on transfers under $2,667.
Flood risk is relatively low. Only 1.4% of Coos County's land falls within a FEMA Special Flood Hazard Area. Flood insurance is not typically required, though individual properties near waterways may still be in a zone — verify at msc.fema.gov.
Closing costs for a buyer in Coos County typically run $3,778–$9,445 (2–5% of purchase price) on a median-priced home, including title insurance ($800–$2,000), appraisal ($400–$700), home inspection ($350–$600), recording fees ($100–$300), and loan origination (0.5–1.0% of the loan amount). Use the calculator above for a specific estimate at your purchase price.
Data sources for Coos County
Every figure on this page is traceable. Verify the numbers yourself against the original public data.
Source for the 1.90% effective property tax rate, median home value, and median taxes paid (ACS 5-year, 2024 vintage).
Source for county-level flood zone exposure, wildfire risk, and other natural hazard ratings. Updated quarterly by FEMA.
Look up a specific property's flood zone and insurance rate map before making an offer on a home in Coos County.
Guides for New Hampshire home buyers
What every buyer should read before making an offer.
HOA Documents
HOA lawsuits — how to check for pending litigation against your future HOA before you close
A buyer closed on a house and only then found out about ongoing HOA lawsuits. Six checks you can run yourself before your contingencies expire.
Read the guide →HOA Documents
Undisclosed HOA special assessment — what you can do if you find out after closing
HOA special assessment not on the disclosure? One buyer got a $15,000 bill the day after closing. How to catch it before — and what to do after.
Read the guide →