What Is the Average Mortgage Payment in New Hampshire?

🏡 What Is the Average Mortgage Payment in New Hampshire?

If you’re planning to buy a home in New Hampshire — whether in Plymouth, Campton, Rumney, Thornton, Bristol, or Ashland — knowing the typical monthly mortgage payment helps you budget realistically.

Most NH buyers in 2025 pay between $1,900 and $2,600 per month, depending on home price, interest rate, taxes, and loan type.

Here’s a full breakdown.

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Average NH Mortgage Payment (2025)

Based on current NH prices and rates:

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$300,000 home

Monthly payment: $1,900–$2,200

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$400,000 home

Monthly payment: $2,400–$2,800

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$500,000 home

Monthly payment: $2,900–$3,400

These numbers include:

Principal

Interest

Taxes

Homeowners insurance

PMI (if required)

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What Affects Your NH Mortgage Payment?

✔

1. Interest Rate

A 1% rate change can shift your payment by hundreds per month.

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2. Property Taxes

Rates vary heavily across Central NH towns:

Plymouth: high teens to low 20s

Thornton: mid to high teens

Bristol: low to mid 20s

Campton: high teens

Taxes impact monthly payment significantly.

✔

3. Homeowners Insurance

NH insurance usually costs $900–$1,400 per year.

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4. Down Payment Amount

Putting more down lowers monthly payment and may remove PMI.

✔

5. PMI (Private Mortgage Insurance)

Common if putting less than 20% down.

Typical cost: $60–$200/month

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6. Loan Type

USDA, FHA, VA, and conventional all calculate payments differently.

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Examples of Real NH Mortgage Payments

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$350,000 Home with 5% Down

Rate: 6.5%

Taxes: mid-range NH

Insurance: average

Estimated payment: $2,300–$2,600/mo

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$450,000 Home with FHA Loan

3.5% down

PMI included

Average NH taxes

Estimated payment: $2,700–$3,200/mo

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$500,000 Home USDA (0% Down)

Rural eligible NH town

No down payment

Low insurance

Estimated payment: $2,900–$3,300/mo

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Q&A

Q: What is the average mortgage payment in NH?

A: Most buyers pay $1,900–$2,600 per month, depending on price, rate, and taxes.

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Keywords

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About the Author

🏡 What Is a Septic Pumping Schedule and How Often Should NH Homeowners Pump?

For many homes in Plymouth, Campton, Rumney, Thornton, and rural parts of Central NH, septic systems are the norm — not the exception.

Keeping your septic system healthy starts with a regular pumping schedule.

Here’s how often NH homeowners should pump and why it matters.

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How Often Should a Septic Tank Be Pumped in NH?

Most New Hampshire homes should pump their septic tank every:

✔ 2–3 years for average households

✔ Every year for large families or heavy water usage

✔ Every 4–5 years for seasonal/low-use properties

Tank size, number of occupants, and water usage heavily affect the schedule.

⭐

What Happens If You Don’t Pump Frequently Enough?

Delaying septic pumping can lead to:

⚠ Backups into the home

⚠ Drainfield failure

⚠ Slow drains and gurgling

⚠ Expensive repairs ($10,000–$25,000+)

NH homes with high water tables or older systems are especially vulnerable.

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What Affects Septic Pumping Frequency?

In Central NH, factors include:

✔ Number of people in the home

✔ Tank size

✔ Age of the system

✔ Garbage disposal use

✔ Well water vs. city water (well water often increases sediment)

✔ Soil conditions and drainage

If you don’t know the last pump date, assume it’s overdue.

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Signs Your Septic Tank Needs Pumping

Watch for:

⚠ Standing water near the tank or drainfield

⚠ Slow sinks or showers

⚠ Foul smells outdoors

⚠ Toilets bubbling when running water

⚠ Lush green grass over the drainfield

These warning signs can indicate the system is nearing failure.

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Q&A

Q: Can NH buyers request septic pumping before closing?

A: Yes — many buyers negotiate pumping or inspection during the due diligence period.

Q: Does pumping fix all septic issues?

A: No. Pumping maintains the tank, but drainfield issues often require separate repairs.

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Keywords

nh septic pumping schedule, new hampshire septic maintenance, plymouth nh septic systems, campton nh home buying, rumney nh septic care, thornton nh septic tank tips, central nh real estate guide

Jim Johnson — Real Estate Agent

58 NH Route 25A

Wentworth, NH 03282

P: (857) 249-7392

W: www.JimJohnsonRealEstateAgent.com

Licensed New Hampshire REALTOR® with Three Hills Real Estate Services

Broker Email: info@ThreeHillsRES.com

Broker Website: www.ThreeHillsRES.com