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County Home Costs

New Hampshire · Property Tax & Closing Costs

New Hampshire property tax by county

Property tax rates, median home values, and closing cost estimates for all 10 counties in New Hampshire. The average effective rate across the state is 1.71%, ranking New Hampshire 5 of 51 (highest property taxes nationally). Data is sourced from the US Census Bureau American Community Survey 2024 5-year estimates.

Average rate

1.71%

across 10 counties

National rank

#5

of 51, highest rate first

Median home value

$365,200

county median in state

Rate range

0.99%–2.16%

Carroll County → Cheshire County

Same home, different county

On a $365,200 home (the typical county median in New Hampshire), the annual property tax bill depends heavily on where you buy:

Lowest-rate county

$3,612/yr

Carroll County at 0.99%

Highest-rate county

$7,885/yr

Cheshire County at 2.16%

Difference

$4,273/yr

$356/mo · $42,728 over 10 years

Estimate: purchase price × each county's effective rate. Actual bills depend on assessed value, local levies, and exemptions.

Lowest property tax rates in New Hampshire

The five New Hampshire counties with the lowest effective property tax rates, useful for buyers comparing total cost of ownership across the state.

CountyRate
Carroll County0.99%
Belknap County1.31%
Rockingham County1.58%
Hillsborough County1.66%
Grafton County1.72%

Highest property tax rates in New Hampshire

The five New Hampshirecounties with the highest effective property tax rates. High rates often reflect strong school district funding or municipal services rather than weakness, but they materially change a buyer's monthly carrying cost.

CountyRate
Cheshire County2.16%
Sullivan County2.14%
Coos County1.90%
Strafford County1.85%
Merrimack County1.85%

New Hampshire real estate transfer tax

New Hampshire charges a combined transfer tax of about 1.50% of the purchase price. On a $365,200 home, that is roughly $5,478 in total.

Paid byRateOn $365,200
Buyer0.75%$2,739
Seller0.75%$2,739

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.

New Hampshire is an attorney-closing state: expect a real estate attorney fee of roughly $600–$1,500 at closing.

Official New Hampshire source → · Verified April 2026

Closing costs in New Hampshire

Across New Hampshire's 10 counties, buyer closing costs run $4,302 to $12,474 at each county's median home value with 20% down. Cash needed at closing, with closing costs, the down payment and the transfer tax, runs $43,499 to $115,706. Pick your county for your own figures.

New Hampshire closing cost calculator

New Hampshire property tax exemptions

Ways buyers in New Hampshire may reduce their annual property tax. These programs apply statewide; verify county specifics with your local assessor.

Senior

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 →
Veteran

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 →
Disability

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 April 2026. Exemption amounts and eligibility change frequently. Always confirm with your county assessor before claiming.

All 10 counties in New Hampshire

Effective property tax rate, median home value, and median annual taxes paid for every county in New Hampshire. Click a county to open its full property tax calculator and closing cost breakdown.

CountyRate
Belknap County1.31%
Carroll County0.99%
Cheshire County2.16%
Coos County1.90%
Grafton County1.72%
Hillsborough County1.66%
Merrimack County1.85%
Rockingham County1.58%
Strafford County1.85%
Sullivan County2.14%

Source: US Census Bureau American Community Survey 2024 5-year estimates, tables B25077 (median home value) and B25103 (median real estate taxes paid). Effective rate is computed as median taxes paid divided by median home value at the county level and represents the typical owner-occupied home. Actual bills vary by purchase price, exemptions, and special assessments.