How your housing costs change when you relocate. Based on 2026 data with 10% down, 6.5% rate, 30-year fixed.
Your housing costs will decrease by approximately $913 per month ($10,956/year) when you move from Massachusetts to New Hampshire.
If you sell your median-priced Massachusetts home ($595K) and buy in New Hampshire ($430K):
Your Massachusetts equity covers the 20% down payment on a median New Hampshire home with $93K left over. That surplus can cover closing costs, moving expenses, or go into savings.
Over 10 years, this move saves you approximately $110K in housing costs alone.
Your dollar stretches further in New Hampshire. The median home costs 28% less than in Massachusetts, which translates to a $165K difference in purchase price. This means a smaller loan, a lower monthly payment, and less total interest paid over the life of your mortgage.
Watch out for New Hampshire's 2.09% property tax rate — that's $1,847 more per year than you're used to in Massachusetts (1.2%). Property taxes are often the hidden cost that surprises relocating buyers.
You'll save on insurance moving to New Hampshire: $1,400/year versus $2,200/year in Massachusetts. That's $800 less per year in premiums, putting $67 back in your monthly budget.
When you buy in New Hampshire, expect about $7K in closing costs (1.6% of purchase price). This includes a 1.5% transfer tax. Budget for this amount on top of your down payment.
New Hampshire's NHHFA Home Flex Plus offers Up to $20,000 DPA. If you haven't owned a home in three years (or are buying in New Hampshire for the first time), you may qualify. Check eligibility requirements and income limits on New Hampshire's housing finance agency website.