Income needed to buy a home
Cheshire County, NH
$146,459
a year in household income to buy the typical Cheshire County home with 10% down.
The monthly math
Typical home value$394,287
Down payment (10%)$39,429
Loan$354,858
Principal and interest (7.40%)$2,457/mo
Property tax (1.87% a year)$615/mo
Homeowners insurance (estimate)$197/mo
Mortgage insurance$148/mo
Total monthly cost$3,417/mo
Income needed keeps housing at 28% of gross income, the lender rule of thumb.
What locals earn
Far off
The typical household here earns $83,329 a year, 57% of what it takes.
In New Hampshire
Cheshire County ranks #3 of 10 for the income a home takes, from least to most.
Easiest to afford in New Hampshire
| County | Typical home | Income needed |
|---|---|---|
| Coos County | $255,951 | $92,962 |
| Sullivan County | $389,393 | $143,181 |
| Grafton County | $434,232 | $155,854 |
| Carroll County | $507,168 | $170,258 |
| Belknap County | $513,108 | $178,501 |
Typical home value from the Zillow Home Value Index, August 2026. Rate is the Freddie Mac 30-year average for Oct 8, 2026. Property tax rate is total taxes paid divided by total home value in the county (U.S. Census, ACS 2020-2024). How it works.