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Mortgage Calculator &
Closing Costs: Concord, NH

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Concord, New Hampshire.

Median Home Price
$375K
Population
44K
Avg Monthly Rent
$1,520
Property Tax Rate
2.09%
Concord vs New Hampshire Median
The median home price in Concord is $375,000, which is 13% below the New Hampshire state median of $430,000.

Mortgage Calculator — Concord, NH

Pre-filled with Concord median home price and New Hampshire tax/insurance rates. Adjust for your property.

$
$75,000
%
%
years
NH avg
%
$
Monthly Payment (PITI)
$2,666
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,896
per month
Taxes & Insurance
$770
per month
Total Interest Paid
$383K
over 30 years
Total Loan Cost
$683K
all payments
Payment Breakdown
Loan Amount$300,000
Principal & Interest$1,896
Property Taxes$653
Homeowners Insurance$117
Total Monthly PITI$2,666

Closing Costs — Concord, NH

Estimated closing costs based on New Hampshire rates and fees applied to Concord prices.

$
%
New Hampshire: Avg closing costs 1.6% of price. Transfer tax: 1.5%.
Estimated Closing Costs
$18,529
4.9% of purchase price
Lender Fees
$3,125
origination, underwriting
Third-Party
$3,325
appraisal, title, inspection
Government Fees
$5,625
transfer taxes, recording
Prepaids + Escrow
$6,454
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,700
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,175
Recording Fee$150
Transfer Tax$5,625
Prepaid Taxes (3 mo)$1,959
Prepaid Insurance (12 mo)$1,400
Prepaid Interest (15 days)$902
Escrow Reserves$2,193
Total Closing Costs$18,529

Buying a Home in Concord, New Hampshire

The median home price in Concord is $375,000, 13% below the New Hampshire state median of $430,000. With a population of 43,976, Concord is a smaller market where home prices tend to be more accessible than in many parts of New Hampshire.

Property taxes in New Hampshire average 2.09% annually. This higher-than-average tax rate means a $375,000 home in Concord would carry roughly $653/month in property taxes alone — plan accordingly. Homeowners insurance in New Hampshire runs approximately $1,400 per year. This is within the normal range nationally.

Average rent in Concord is $1,520/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Concord presents moderate affordability. The $375K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Concord.
Rent vs Buy Calculator →
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