New Hampshire vs Vermont: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between New Hampshire and Vermont. Updated for 2026.
Metric
New Hampshire
Vermont
Median Home Price
$430K
$380K
Property Tax Rate
2.09%
1.9%
Avg Closing Costs
$7K
$6K
Closing Cost %
1.6%
1.6%
Transfer Tax
1.5%
1.45%
Homeowners Insurance
$1,400/yr
$1,100/yr
First-Time Buyer Program
NHHFA Home Flex Plus
Up to $20,000 DPA
VHFA MOVE Mortgage
$5K–$15K DPA
Verdict
Vermont wins 5 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $380K and lower overall costs, Vermont offers meaningful savings compared to New Hampshire. Both states offer first-time buyer programs — explore the state pages for full details.