NH · #41 by population

Buying a home in New Hampshire

Costs and rules that are specific to New Hampshire. Main city: Manchester.

New Hampshire taxes property sales through its real estate transfer tax, does not require an attorney at closing and imposes only limited seller disclosures. It allows both court and out-of-court foreclosure and is not a community property state. Deadline to appeal a property tax assessment: abatement application received or postmarked by March 1 after the notice of tax; board decides by July 1; appeal by September 1.

New Hampshire in short

Is there a real estate transfer tax in New Hampshire?

New Hampshire taxes the sale of real estate at $0.75 per $100 of the price, or part of $100, and the rate applies to both the buyer and the seller, so the combined tax is $1.50 per $100. On a $400,000 sale each side pays $3,000.

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What closing costs does New Hampshire law set?

New Hampshire has no official typical closing-cost total.

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How is property tax calculated in New Hampshire?

New Hampshire property tax is set locally and property is taxed at market value as of April 1. In Manchester the 2025 rate is $20.24 per $1,000 of assessed value.

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What is the deadline to appeal a property tax assessment in New Hampshire?

In New Hampshire, apply to your Board of Assessors for an abatement by March 1 after the notice of tax (RSA 76:16). If it is denied or not answered by July 1, appeal by September 1 to the State Board of Tax and Land Appeals or to Superior Court.

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Do you need a real estate attorney to close in New Hampshire?

None of the New Hampshire statutes read says a buyer or seller must hire a real estate attorney to close. The law regulates the closing itself, for example the approved forms of loan funds at closing (RSA 477:52).

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What must a home seller disclose in New Hampshire?

New Hampshire has no single condition-disclosure statute. RSA chapter 477 requires specific written notices instead.

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How does foreclosure work in New Hampshire?

A New Hampshire lender with a power of sale in the mortgage can foreclose by auction without going to court first.

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What first-time home buyer programs does New Hampshire offer?

In New Hampshire, New Hampshire Housing offers cash help of $5,000, $10,000 or $15,000 toward the down payment and closing costs, secured by a 0% second mortgage due on sale or refinance.

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New Hampshire guides

Manchester

Buying a home in Manchester, New Hampshire

Professionals in New Hampshire

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