State rental market reference · Data updated October 18, 2026
New Hampshire rental market for DSCR investors: rent, taxes and insurance by county
What a rental in New Hampshire rents for, what it costs to carry, and whether it stays rented, from official data for all 10 counties. Read it before you price a deal here.
New Hampshire at a glance
What does a rental rent for?
$2,239 a month
HUD's FY2027 2-bedroom Fair Market Rent where most of New Hampshire's renters live, from $1,195 (Coos County) to $2,347 (Rockingham County). It is the government figure for a modest 2-bedroom unit, utilities included, not the rent for a house.
What will property taxes cost?
1.66% of value a year
Homeowners in New Hampshire pay a median $6,667 a year on a median home value of $402,500 (Census ACS 2020–2024). A rental can be taxed at a different rate than an owner's home; the local tax bill is the real number.
What will insurance cost?
$1,090 a year
The median that homeowners with a mortgage in New Hampshire report paying for homeowners insurance (Census ACS 2020–2024). It is not a landlord quote: a rental policy usually costs more, and flood cover is extra.
Will it stay rented?
4.0% rental vacancy
Share of New Hampshire's rental homes vacant and for rent (Census ACS 2020–2024), across 151,369 renter households. Lower means rentals fill faster.
Are jobs growing?
Employment down 0.2% in a year
Employed residents in August 2026 against a year earlier; unemployment 2.8% (BLS, not seasonally adjusted, so compare the same month a year apart).
Is new supply coming?
5,030 homes permitted in 2025
About 9.0 new homes per 1,000 households; 65% single-family (Census Building Permits Survey). More new homes means more competition for tenants and buyers.
How often does it flood?
2,510 flood claims since 2005
National Flood Insurance Program claims on properties in New Hampshire since 2005, $57.7 million paid (FEMA). Claims show where water has reached insured buildings; they are not a flood map, so check the FEMA flood zone for the address.
What it means for a DSCR rental in New Hampshire
A lender's DSCR is the monthly rent divided by the full monthly payment: principal, interest, property taxes, insurance and any HOA dues. Many lenders accept 1.00x; 1.20x leaves a cushion.
Take a home at New Hampshire's median value of $402,500, bought with 25% down on a 7.5% 30-year loan, with the state's typical tax rate and insurance:
- Principal and interest ($301,875 loan)
- $2,111
- Property taxes
- $557
- Insurance
- $91
- Full monthly payment
- $2,758
- Rent for a 1.20x DSCR
- $3,310 a month
The government 2-bedroom figure where most of New Hampshire's renters live is $2,239 a month, below the $3,310 that home needs. A house usually rents for more than a 2-bedroom unit, so price the house you are looking at with its own rent. The last column of the table below gives the same figure for each county.
Rules and costs a landlord faces in New Hampshire
Each line quotes the official source it comes from and the date it was last checked. These are general rules, not legal advice; local rules can add to them.
- How long before you can file to evict for unpaid rent?
7 calendar days' notice for unpaid rent before an eviction can be filed.
II. For all residential tenancies, 30 days' notice shall be sufficient in all cases; provided, however, that 7 days' notice shall be sufficient if the reason for the termination is as set forth in RSA 540:2, II(a), (b), (d), or (h).
New Hampshire General Court, checked October 19, 2026
- How large a security deposit can you take?
Up to one month's rent.
A landlord shall not demand or receive any security deposit in an amount or value in excess of one month's rent or $100, whichever is greater.
New Hampshire General Court, checked October 19, 2026
- How fast must the deposit come back?
Within 30 days after the tenancy ends.
Except as provided in RSA 540-A:6, IV(c), a landlord shall return a security deposit to a tenant and pay the interest due, if any, within 30 days from the termination of the tenancy.
New Hampshire General Court, checked October 19, 2026
Market hubs in New Hampshire
DSCRInfo does not publish a monthly market hub in New Hampshire yet. The figures above and the table below cover every county; the market hubs cover other states.
New Hampshire by county
All 10 counties, most renter households first. "Rent for 1.20x" is the monthly rent a home at that county's median value needs on the example loan above. A dash means the source publishes no reliable figure there.
| County | 2-bed FMR | Property tax | Insurance / yr | Rental vacancy | Jobs, 1 yr | Permits | Flood claims | Rent for 1.20x |
|---|---|---|---|---|---|---|---|---|
| Hillsborough County | $1,834–$2,239 | 1.66% | $1,040 | 3.5% | -0.2% | 632 | 415 | $3,450 |
| Rockingham County | $2,093–$3,008 | 1.58% | $1,180 | 3.9% | -0.3% | 1,876 | 1,137 | $4,030 |
| Strafford County | $2,093 | 1.85% | $1,020 | 5.1% | +0.2% | 450 | 97 | $3,060 |
| Merrimack County | $1,800 | 1.85% | $1,080 | 4.5% | -0.2% | 286 | 228 | $3,100 |
| Grafton County | $1,719 | 1.72% | $1,100 | 4.8% | +1.1% | 408 | 196 | $2,870 |
| Cheshire County | $1,734 | 2.16% | $1,060 | 3.0% | -1.3% | 167 | 150 | $2,470 |
| Belknap County | $1,620 | 1.31% | $1,010 | 2.1% | -1.6% | 423 | 57 | $2,950 |
| Sullivan County | $1,596 | 2.14% | $1,090 | 6.1% | +0.6% | 133 | 38 | $2,370 |
| Carroll County | $1,566 | 0.99% | $1,090 | 5.0% | +0.0% | 505 | 157 | $2,940 |
| Coos County | $1,195 | 1.89% | $1,000 | 3.0% | -3.1% | 150 | 33 | $1,650 |
Where these numbers come from
- 2-bedroom Fair Market Rent
- HUD's FY2027 Fair Market Rents, in effect from October 1, 2026: the rent and utilities of a modest 2-bedroom unit, set for housing vouchers. It is not a house rent. Where HUD publishes by town (New England), the county shows the range. HUD Fair Market Rents
- Property tax, insurance, vacancy and home value
- Census American Community Survey 5-year estimates, 2020–2024. Property tax is the median tax paid divided by the median home value of owner-occupied homes. Insurance is the median that owners with a mortgage report paying, not a landlord quote. Rental vacancy is homes vacant for rent divided by all rental homes. Figures from too few homes are left blank. American Community Survey
- Jobs
- BLS Local Area Unemployment Statistics: employed residents in August 2026 against the same month a year earlier, not seasonally adjusted. BLS LAUS
- Permits
- Census Building Permits Survey: new housing units authorized in 2025, all building sizes. Building Permits Survey
- Flood claims
- FEMA National Flood Insurance Program claims with a loss in 2005 or later, and the net amount paid. Only insured buildings appear. Check a flood zone
These are screening figures for comparing places, not a quote, an appraisal or a loan offer. New Hampshire total flood payments since 2005: $57.7 million.