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:
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.
| County | Rate |
|---|---|
| Carroll County | 0.99% |
| Belknap County | 1.31% |
| Rockingham County | 1.58% |
| Hillsborough County | 1.66% |
| Grafton County | 1.72% |
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.
| County | Rate |
|---|---|
| Cheshire County | 2.16% |
| Sullivan County | 2.14% |
| Coos County | 1.90% |
| Strafford County | 1.85% |
| Merrimack County | 1.85% |
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 by | Rate | On $365,200 |
|---|---|---|
| Buyer | 0.75% | $2,739 |
| Seller | 0.75% | $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 calculatorNew 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.
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 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.
| County | Rate |
|---|---|
| Belknap County | 1.31% |
| Carroll County | 0.99% |
| Cheshire County | 2.16% |
| Coos County | 1.90% |
| Grafton County | 1.72% |
| Hillsborough County | 1.66% |
| Merrimack County | 1.85% |
| Rockingham County | 1.58% |
| Strafford County | 1.85% |
| Sullivan County | 2.14% |
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.