New Hampshire vs Pennsylvania: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between New Hampshire and Pennsylvania. Updated for 2026.
Metric
New Hampshire
Pennsylvania
Median Home Price
$430K
$280K
Property Tax Rate
2.09%
1.36%
Avg Closing Costs
$7K
$5K
Closing Cost %
1.6%
1.7%
Transfer Tax
1.5%
2%
Homeowners Insurance
$1,400/yr
$1,400/yr
First-Time Buyer Program
NHHFA Home Flex Plus
Up to $20,000 DPA
PHFA Keystone Advantage
Up to $6,000 DPA
Verdict
Pennsylvania wins 3 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $280K and lower overall costs, Pennsylvania offers meaningful savings compared to New Hampshire. Both states offer first-time buyer programs — explore the state pages for full details.