New Hampshire vs Rhode Island: Mortgage & Housing Costs
Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between New Hampshire and Rhode Island. Updated for 2026.
Metric
New Hampshire
Rhode Island
Median Home Price
$430K
$425K
Property Tax Rate
2.09%
1.53%
Avg Closing Costs
$7K
$7K
Closing Cost %
1.6%
1.7%
Transfer Tax
1.5%
0.46%
Homeowners Insurance
$1,400/yr
$2,200/yr
First-Time Buyer Program
NHHFA Home Flex Plus
Up to $20,000 DPA
RIHousing First Homes
10K DPA forgivable
Verdict
New Hampshire and Rhode Island are evenly matched across major housing cost categories. Your decision may come down to other factors like job market, climate, or lifestyle preferences. Use the calculators below to model your specific scenario.