Find a price range that fits your budget
Enter your income, debts and savings to see a comfortable price range and a stretch range, with New Hampshire property taxes built in.
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How much home could I afford?
Enter your income, debts and savings to see two price estimates, with New Hampshire property taxes and insurance included.
- Estimated monthly payment
- $0
- Principal and interest
- $0
- Property tax
- $0
- Home insurance
- $0
- Mortgage insurance (est.)
- None
- Loan amount
- $0
- Estimated monthly payment
- $0
- Principal and interest
- $0
- Property tax
- $0
- Home insurance
- $0
- Mortgage insurance (est.)
- None
- Loan amount
- $0
Estimates only. This is not a pre-qualification, loan offer or commitment to lend. Mortgage insurance is a rough estimate and depends on your down payment and loan program. Your actual price range, rate and payment depend on your credit, income, debts, loan program and property.
No credit pull to start. Tom replies personally.
Like this price range? A pre-approval turns this estimate into a number you can shop with, with access to 45 lenders.
Affordability questions
Don't see yours? Call or text Tom or browse more answers.
The estimate covers your mortgage payment, not utilities. Most NH homes heat with oil or propane, so see heating a New Hampshire home to budget for heat.
Next steps: see how to get pre-approved in NH, buying before you sell, and whether NH Housing down payment help could fit. To compare towns, try buying power by town.
How do lenders decide how much I can borrow?
They compare your monthly debts, including the new house payment, with your gross monthly income. That's your debt-to-income ratio, and your credit, savings and loan program also play a part.
What counts as debt?
Minimum payments on car loans, student loans, credit cards and personal loans, plus child support or alimony. Utilities, phone bills and groceries aren't counted, but they belong in your own budget.
Should I borrow the most I qualify for?
Not necessarily. Your approval is a ceiling, and a comfortable budget also leaves room for savings, childcare, commuting and home repairs.
Why does my price range change from town to town?
Property taxes are part of your monthly payment, and NH rates vary widely by town. A lower rate could leave room for a higher price at the same payment.
Can I buy a home with student loans?
Student loans don't automatically rule you out. Each program counts the payment its own way, including loans in deferment or on an income-driven plan, so Tom will review your statements with you.
Run more numbers
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Yearly and monthly property tax in any town on this site.
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The buyer's and seller's shares of the state transfer tax.
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Your key dates from accepted offer to closing, saved to your calendar.
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Income and property taxes before and after a move to NH.
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What renting and owning could cost over the years you plan to stay.
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How extra payments shorten your loan and cut total interest, year by year.
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A few quick questions point you to the programs worth reading about.
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HUD's approved condo complexes in four southern NH counties.
See the listReviewed October 30, 2026
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