The 16 most affordable cities in New Hampshire to buy a house

The 16 most affordable cities in New Hampshire to buy a house

Homeownership is fundamental to the American dream. It offers wealth, security, community, and countless other benefits. Yet for many New Hampshire residents, the dream feels increasingly out of reach—even as incomes rise and mortgage rates fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers stuck and younger generations priced out.

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, Redfin Real Estate ranked the most affordable cities in New Hampshire, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this recent Redfin article.

#1. Newport, New Hampshire

- Payment to income ratio: 35.3%

- Median sale price: $349,782

- Median household income: $75,849

- Income needed to buy: $89,321

- Median monthly mortgage payment: $2,233

- See homes for sale in Newport on Redfin.com

#2. Rochester, New Hampshire

- Payment to income ratio: 40.4%

- Median sale price: $418,479

- Median household income: $79,388

- Income needed to buy: $106,864

- Median monthly mortgage payment: $2,672

- See homes for sale in Rochester on Redfin.com

#3. Somersworth, New Hampshire

- Payment to income ratio: 40.7%

- Median sale price: $423,650

- Median household income: $79,677

- Income needed to buy: $108,184

- Median monthly mortgage payment: $2,705

- See homes for sale in Somersworth on Redfin.com

#4. Lebanon, New Hampshire

- Payment to income ratio: 41.1%

- Median sale price: $495,478

- Median household income: $92,288

- Income needed to buy: $126,527

- Median monthly mortgage payment: $3,163

- See homes for sale in Lebanon on Redfin.com

#5. Hudson, New Hampshire

- Payment to income ratio: 44.9%

- Median sale price: $517,036

- Median household income: $88,193

- Income needed to buy: $132,032

- Median monthly mortgage payment: $3,301

- See homes for sale in Hudson on Redfin.com

#6. Londonderry, New Hampshire

- Payment to income ratio: 45.4%

- Median sale price: $670,539

- Median household income: $113,109

- Income needed to buy: $171,231

- Median monthly mortgage payment: $4,281

- See homes for sale in Londonderry on Redfin.com

#7. Nashua, New Hampshire

- Payment to income ratio: 45.7%

- Median sale price: $551,156

- Median household income: $92,457

- Income needed to buy: $140,745

- Median monthly mortgage payment: $3,519

- See homes for sale in Nashua on Redfin.com

#8. Manchester, New Hampshire

- Payment to income ratio: 46.0%

- Median sale price: $465,061

- Median household income: $77,415

- Income needed to buy: $118,759

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The 16 most affordable cities in New Hampshire to buy a house

- Median monthly mortgage payment: $2,969

- See homes for sale in Manchester on Redfin.com

#9. Milford, New Hampshire

- Payment to income ratio: 46.7%

- Median sale price: $494,249

- Median household income: $81,042

- Income needed to buy: $126,213

- Median monthly mortgage payment: $3,155

- See homes for sale in Milford on Redfin.com

#10. Dover, New Hampshire

- Payment to income ratio: 47.4%

- Median sale price: $573,437

- Median household income: $92,748

- Income needed to buy: $146,434

- Median monthly mortgage payment: $3,661

- See homes for sale in Dover on Redfin.com

#11. Derry, New Hampshire

- Payment to income ratio: 48.1%

- Median sale price: $558,483

- Median household income: $88,901

- Income needed to buy: $142,616

- Median monthly mortgage payment: $3,565

- See homes for sale in Derry on Redfin.com

#12. Durham, New Hampshire

- Payment to income ratio: 48.5%

- Median sale price: $696,428

- Median household income: $109,934

- Income needed to buy: $177,842

- Median monthly mortgage payment: $4,446

- See homes for sale in Durham on Redfin.com

#13. Hampton, New Hampshire

- Payment to income ratio: 55.4%

- Median sale price: $696,929

- Median household income: $96,322

- Income needed to buy: $177,970

- Median monthly mortgage payment: $4,449

- See homes for sale in Hampton on Redfin.com

#14. Exeter, New Hampshire

- Payment to income ratio: 66.3%

- Median sale price: $726,305

- Median household income: $83,862

- Income needed to buy: $185,471

- Median monthly mortgage payment: $4,637

- See homes for sale in Exeter on Redfin.com

#15. Portsmouth, New Hampshire

- Payment to income ratio: 68.5%

- Median sale price: $946,131

- Median household income: $105,756

- Income needed to buy: $241,607

- Median monthly mortgage payment: $6,040

- See homes for sale in Portsmouth on Redfin.com

#16. Hanover, New Hampshire

- Payment to income ratio: 83.0%

- Median sale price: $1,465,107

- Median household income: $135,250

- Income needed to buy: $374,134

- Median monthly mortgage payment: $9,353

- See homes for sale in Hanover on Redfin.com

This story was produced by Redfin Real Estate and reviewed and distributed by Stacker.