Income needed to buy a home
Hillsborough County, NH
$189,796
a year in household income to buy the typical Hillsborough County home with 10% down.
The monthly math
Typical home value$523,744
Down payment (10%)$52,374
Loan$471,370
Principal and interest (7.40%)$3,264/mo
Property tax (1.62% a year)$707/mo
Homeowners insurance (estimate)$262/mo
Mortgage insurance$196/mo
Total monthly cost$4,429/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 $103,545 a year, 55% of what it takes.
In New Hampshire
Hillsborough County ranks #9 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 |
| Cheshire County | $394,287 | $146,459 |
| Grafton County | $434,232 | $155,854 |
| Carroll County | $507,168 | $170,258 |
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.