New Hampshire Mortgage Calculator (2026)
Calculate your monthly payment with New Hampshire-specific property tax (2.18%) and average insurance ($1,100/yr).
Monthly payment
Payment breakdown
Loan summary
Amortization schedule (first 12 + every 12 months)
| Month | Principal | Interest | PMI/MIP | Balance |
|---|---|---|---|---|
| 1 | $385.83 | $2,745.75 | $196.13 | $470,314 |
| 2 | $388.08 | $2,743.50 | $196.13 | $469,926 |
| 3 | $390.34 | $2,741.24 | $196.13 | $469,536 |
| 4 | $392.62 | $2,738.96 | $196.13 | $469,143 |
| 5 | $394.91 | $2,736.67 | $196.13 | $468,748 |
| 6 | $397.21 | $2,734.36 | $196.13 | $468,351 |
| 7 | $399.53 | $2,732.05 | $196.13 | $467,951 |
| 8 | $401.86 | $2,729.72 | $196.13 | $467,550 |
| 9 | $404.21 | $2,727.37 | $196.13 | $467,145 |
| 10 | $406.56 | $2,725.01 | $196.13 | $466,739 |
| 11 | $408.94 | $2,722.64 | $196.13 | $466,330 |
| 12 | $411.32 | $2,720.26 | $196.13 | $465,919 |
| 24 | $441.06 | $2,690.52 | $196.13 | $460,792 |
| 36 | $472.94 | $2,658.64 | $196.13 | $455,294 |
| 48 | $507.13 | $2,624.45 | $196.13 | $449,399 |
| 60 | $543.79 | $2,587.79 | $196.13 | $443,077 |
| 72 | $583.10 | $2,548.48 | $196.13 | $436,299 |
| 84 | $625.25 | $2,506.33 | $196.13 | $429,031 |
| 96 | $670.45 | $2,461.13 | $196.13 | $421,237 |
| 108 | $718.92 | $2,412.66 | $196.13 | $412,880 |
| 120 | $770.89 | $2,360.69 | — | $403,919 |
| 132 | $826.62 | $2,304.96 | — | $394,310 |
| 144 | $886.37 | $2,245.21 | — | $384,006 |
| 156 | $950.45 | $2,181.13 | — | $372,958 |
| 168 | $1,019.16 | $2,112.42 | — | $361,110 |
| 180 | $1,092.83 | $2,038.75 | — | $348,407 |
| 192 | $1,171.83 | $1,959.75 | — | $334,785 |
| 204 | $1,256.54 | $1,875.04 | — | $320,178 |
| 216 | $1,347.38 | $1,784.20 | — | $304,515 |
| 228 | $1,444.78 | $1,686.80 | — | $287,720 |
| 240 | $1,549.22 | $1,582.35 | — | $269,711 |
| 252 | $1,661.22 | $1,470.36 | — | $250,401 |
| 264 | $1,781.31 | $1,350.27 | — | $229,694 |
| 276 | $1,910.08 | $1,221.50 | — | $207,490 |
| 288 | $2,048.16 | $1,083.42 | — | $183,681 |
| 300 | $2,196.22 | $935.36 | — | $158,151 |
| 312 | $2,354.99 | $776.59 | — | $130,775 |
| 324 | $2,525.23 | $606.35 | — | $101,421 |
| 336 | $2,707.78 | $423.80 | — | $69,944 |
| 348 | $2,903.52 | $228.06 | — | $36,192 |
| 360 | $3,113.42 | $18.16 | — | $0 |
What the payment actually costs
The carrying cost that lenders leave out of the headline number: at 2.18% effective, New Hampshire sits 3rd of 51 states and adds around $727 a month to a $400,000 home, or $8,720 a year.
Homeowners insurance runs about $1,100 a year in New Hampshire, 45th of 51 states and below the $1,552 national average. Together, tax and insurance add roughly $818 a month to the payment before you have paid a dollar of principal.
How this fits the rest of your tax bill
New Hampshire charges no income tax, and property tax is where that revenue is recovered. At 2.18% the rate ranks 3rd of 51. For a renter the no-income-tax advantage is close to pure gain; for an owner of a $400,000 home it is offset by roughly $8,720 a year. Run both sides before assuming the state is cheap.
Housing costs compound with the rate. New Hampshire runs about 5% above national-average costs, so the same 2.18% rate applies to a larger assessed value than it would elsewhere. A percentage rate is only half the number that matters; the base it applies to is the other half.
Property tax rates are effective statewide averages; your county assessor sets the actual figure and it varies widely within a state. See our methodology.