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Mortgage Calculator &
Closing Costs: Keene, NH

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

Median Home Price
$315K
Population
23K
Avg Monthly Rent
$1,380
Property Tax Rate
2.09%
Keene vs New Hampshire Median
The median home price in Keene is $315,000, which is 27% below the New Hampshire state median of $430,000.

Mortgage Calculator — Keene, NH

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

$
$63,000
%
%
years
NH avg
%
$
Monthly Payment (PITI)
$2,258
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,593
per month
Taxes & Insurance
$666
per month
Total Interest Paid
$321K
over 30 years
Total Loan Cost
$573K
all payments
Payment Breakdown
Loan Amount$252,000
Principal & Interest$1,593
Property Taxes$549
Homeowners Insurance$117
Total Monthly PITI$2,258

Closing Costs — Keene, NH

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

$
%
New Hampshire: Avg closing costs 1.6% of price. Transfer tax: 1.5%.
Estimated Closing Costs
$16,125
5.1% of purchase price
Lender Fees
$2,693
origination, underwriting
Third-Party
$3,025
appraisal, title, inspection
Government Fees
$4,725
transfer taxes, recording
Prepaids + Escrow
$5,682
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,268
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,875
Recording Fee$150
Transfer Tax$4,725
Prepaid Taxes (3 mo)$1,646
Prepaid Insurance (12 mo)$1,400
Prepaid Interest (15 days)$757
Escrow Reserves$1,879
Total Closing Costs$16,125

Buying a Home in Keene, New Hampshire

The median home price in Keene is $315,000, 27% below the New Hampshire state median of $430,000. With a population of 23,409, Keene 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 $315,000 home in Keene would carry roughly $549/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 Keene is $1,380/month. The price-to-rent ratio in Keene is moderate, meaning the buy-vs-rent decision depends heavily on how long you plan to stay.

Keene presents moderate affordability. The $315K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

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