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Mortgage Calculator &
Closing Costs: Dover, NH

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

Median Home Price
$415K
Population
33K
Avg Monthly Rent
$1,650
Property Tax Rate
2.09%
Dover vs New Hampshire Median
The median home price in Dover is $415,000, which is roughly in line with the New Hampshire state median of $430,000.

Mortgage Calculator — Dover, NH

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

$
$83,000
%
%
years
NH avg
%
$
Monthly Payment (PITI)
$2,938
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$2,098
per month
Taxes & Insurance
$840
per month
Total Interest Paid
$423K
over 30 years
Total Loan Cost
$755K
all payments
Payment Breakdown
Loan Amount$332,000
Principal & Interest$2,098
Property Taxes$723
Homeowners Insurance$117
Total Monthly PITI$2,938

Closing Costs — Dover, NH

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

$
%
New Hampshire: Avg closing costs 1.6% of price. Transfer tax: 1.5%.
Estimated Closing Costs
$20,131
4.9% of purchase price
Lender Fees
$3,413
origination, underwriting
Third-Party
$3,525
appraisal, title, inspection
Government Fees
$6,225
transfer taxes, recording
Prepaids + Escrow
$6,968
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,988
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,375
Recording Fee$150
Transfer Tax$6,225
Prepaid Taxes (3 mo)$2,168
Prepaid Insurance (12 mo)$1,400
Prepaid Interest (15 days)$998
Escrow Reserves$2,402
Total Closing Costs$20,131

Buying a Home in Dover, New Hampshire

The median home price in Dover is $415,000, roughly in line with the New Hampshire state median of $430,000. With a population of 32,741, Dover 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 $415,000 home in Dover would carry roughly $723/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 Dover is $1,650/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.

Dover is a higher-cost market. At $415K median, buyers need significant savings or strong income. Down payment assistance through New Hampshire's NHHFA Home Flex Plus program becomes especially important.

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