Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Maine and New Hampshire. Updated for 2026.
Metric
Maine
New Hampshire
Median Home Price
$350K
$430K
Property Tax Rate
1.3%
2.09%
Avg Closing Costs
$5K
$7K
Closing Cost %
1.5%
1.6%
Transfer Tax
0.44%
1.5%
Homeowners Insurance
$1,300/yr
$1,400/yr
First-Time Buyer Program
MaineHousing First Home
$5,000 Advantage grant
NHHFA Home Flex Plus
Up to $20,000 DPA
Verdict
Maine wins 6 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $350K and lower overall costs, Maine offers meaningful savings compared to New Hampshire. Both states offer first-time buyer programs — explore the state pages for full details.