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Mortgage Calculator &
Closing Costs: Rochester, NH

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

Median Home Price
$365K
Population
31K
Avg Monthly Rent
$1,480
Property Tax Rate
2.09%
Rochester vs New Hampshire Median
The median home price in Rochester is $365,000, which is 15% below the New Hampshire state median of $430,000.

Mortgage Calculator — Rochester, NH

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

$
$73,000
%
%
years
NH avg
%
$
Monthly Payment (PITI)
$2,598
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,846
per month
Taxes & Insurance
$753
per month
Total Interest Paid
$372K
over 30 years
Total Loan Cost
$664K
all payments
Payment Breakdown
Loan Amount$292,000
Principal & Interest$1,846
Property Taxes$636
Homeowners Insurance$117
Total Monthly PITI$2,598

Closing Costs — Rochester, NH

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

$
%
New Hampshire: Avg closing costs 1.6% of price. Transfer tax: 1.5%.
Estimated Closing Costs
$18,128
5.0% of purchase price
Lender Fees
$3,053
origination, underwriting
Third-Party
$3,275
appraisal, title, inspection
Government Fees
$5,475
transfer taxes, recording
Prepaids + Escrow
$6,325
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,628
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,125
Recording Fee$150
Transfer Tax$5,475
Prepaid Taxes (3 mo)$1,907
Prepaid Insurance (12 mo)$1,400
Prepaid Interest (15 days)$878
Escrow Reserves$2,140
Total Closing Costs$18,128

Buying a Home in Rochester, New Hampshire

The median home price in Rochester is $365,000, 15% below the New Hampshire state median of $430,000. With a population of 31,366, Rochester 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 $365,000 home in Rochester would carry roughly $636/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 Rochester is $1,480/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.

Rochester presents moderate affordability. The $365K 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 Rochester.
Rent vs Buy Calculator →
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