Colleen Harkey: Let’s talk honestly about housing in New Hampshire now

To The Daily Sun,

New Hampshire needs more housing — but building more will not automatically make it affordable. Before Concord imposes statewide requirements, we should understand what is driving costs and whether existing policies work.

I spoke with hundreds of people in District 6. Many have good jobs yet struggle to save for a down payment. Small down payments often require private mortgage insurance; interest, taxes, fees, homeowners’ insurance and other expense can push homeownership beyond what many can afford.

I heard another question: Why aren’t more seniors selling and downsizing? Some say they cannot find affordable small homes, plus selling and buying again makes staying put more practical. Others said they want to pass their family home down to the next generation. Helping seniors find alternatives could increase supply without forcing change on anyone.

New Hampshire requires municipalities with zoning ordinances to provide workforce housing and allow accessory dwelling units. Before expanding requirements, Concord should determine what works and what barriers remain.

The shortage is real; inaction is not an option. I support removing construction barriers, rehabilitating existing properties, and building where infrastructure can sustain growth. Communities must retain a voice in density and development decisions.

Housing policy must account for wages, interest rates, insurance, construction and permitting fees. We also need to continue attracting good-paying jobs so wages can keep pace with the cost of living. Before Concord mandates greater density, smaller lots or additional ADUs, taxpayers deserve to know how those decisions affect schools, roads and emergency services and who pays that bill?

As a state representative for District 6, I will support housing solutions families and seniors can afford while protecting taxpayers and local decision-making. We can do this without sacrificing neighborhoods, community character, or local voices that make our communities home.

Colleen Harkey

Gilmanton