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Mortgage Calculator &
Closing Costs: Somersworth, NH

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

Median Home Price
$335K
Population
12K
Avg Monthly Rent
$1,350
Property Tax Rate
2.09%
Somersworth vs New Hampshire Median
The median home price in Somersworth is $335,000, which is 22% below the New Hampshire state median of $430,000.

Mortgage Calculator — Somersworth, NH

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

$
$67,000
%
%
years
NH avg
%
$
Monthly Payment (PITI)
$2,394
Principal + Interest + Tax + Insurance + PMI
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Principal & Interest
$1,694
per month
Taxes & Insurance
$700
per month
Total Interest Paid
$342K
over 30 years
Total Loan Cost
$610K
all payments
Payment Breakdown
Loan Amount$268,000
Principal & Interest$1,694
Property Taxes$583
Homeowners Insurance$117
Total Monthly PITI$2,394

Closing Costs — Somersworth, NH

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

$
%
New Hampshire: Avg closing costs 1.6% of price. Transfer tax: 1.5%.
Estimated Closing Costs
$16,926
5.1% of purchase price
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Lender Fees
$2,837
origination, underwriting
Third-Party
$3,125
appraisal, title, inspection
Government Fees
$5,025
transfer taxes, recording
Prepaids + Escrow
$5,939
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,412
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$1,975
Recording Fee$150
Transfer Tax$5,025
Prepaid Taxes (3 mo)$1,750
Prepaid Insurance (12 mo)$1,400
Prepaid Interest (15 days)$805
Escrow Reserves$1,984
Total Closing Costs$16,926

Buying a Home in Somersworth, New Hampshire

The median home price in Somersworth is $335,000, 22% below the New Hampshire state median of $430,000. With a population of 12,027, Somersworth 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 $335,000 home in Somersworth would carry roughly $583/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 Somersworth is $1,350/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.

Somersworth presents moderate affordability. The $335K 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 Somersworth.
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