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When's the best time to buy a house in New Hampshire? It depends on a variety of factors, including listing price and mortgage rate trends.
In recent years, listing prices for homes in New Hampshire were lowest in January. On average, homes were $38,692 less expensive. While in November — the month with the highest prices — the listing prices were $28,938 more than the annual average.
Mortgage rates, on the other hand, were lowest in December. But with interest rates on the rise, it pays to explore your options with a trusted mortgage provider to make sure you get the best rate possible.
Read on to find out which time of year will give you the most options and the biggest savings when buying a house in New Hampshire.
If you're interested in buying a home, your first step is to connect with a realtor who's an expert in the local market. The real estate market in New Hampshire changes rapidly, and an experienced realtor will keep you up to date on the best times and places to buy.
You can find a great real estate agent by using a free service like Clever Real Estate. Clever will match you with top agents from trusted brands like RE/MAX and Keller Williams.
Interview as many agents as you'd like until you find the perfect fit, or walk away at any time with no obligation. Add your zip code below to request hand-picked agent matches today!
If you're ready to buy a home, Clever can connect you with an agent who knows the market!
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The best time of year to buy in New Hampshire
If you're looking for a good deal on a home, consider starting your search in winter. Like many Northeastern states, New Hampshire’s brutal winters and abundant snowfall slow the market during the winter. You won't have as many houses to choose from, but you also won't face as much competition from other buyers.
If you're primarily concerned with finding a move-in ready home, the best time to find a house could be April. During this time, lots of homes are on the market, meaning you're more likely to find a home that fits your criteria. However, you'll also face fierce competition from other buyers and higher home prices.
While these are general rules of thumb, it's important to remember that price trends can vary from city to city — and there may even be anomalies within certain neighborhoods. The best way to find a home in your target market is to connect with a local realtor. They'll help you navigate the ins and outs of your market and find the best time to buy a house in New Hampshire.
The best places to buy a home in New Hampshire
New Hampshire is a small state brimming with many desirable cities and neighborhoods. Take a look at five of the best places to live in New Hampshire and what makes them special:
Amherst has been rated the best place in New Hampshire to raise a family. Young families and professionals are attracted to its top-rated schools, proximity to other towns, parks, and recreation opportunities.
This small town offers the privacy of a rural area and proximity to larger cities. A strong job market, great schools, and low crime make this a desirable place to live for families and working professionals alike.
Tucked just outside of Manchester, Bedford offers the best of small-town community and large-city amenities. Home values are more than double the national average, the crime rate is moderate, and the job market is strong.
This scenic coastal town is one of the most unique in the state. Its close proximity to mountains and beaches, excellent public schools, low crime rate, and small-town vibe make it a desirable place for families and professionals.
Brimming with hometown charm and a modest population of just 4,700, Brentwood is ideal for high-income families. The public school system is highly rated, crime rates are low, and home values are well above the national average.
Four ways to get a great deal on a home in New Hampshire
1. Find a great New Hampshire real estate agent
Find a top-rated local real estate agent in New Hampshire who knows what to expect from the market. Take advantage of their inside expertise, including how to time the market, so you can spend less time on your home search and still come out on top.
2. Determine what you need and want in a house
Your agent can help you nail down details of your home search: What size home do you need? What type of property are you looking for? What’s your budget for a new home? The more specific you are upfront, the more efficient your house hunting will be.
3. Find a lender and secure financing
Unless you plan to buy your home with cash, you'll need to apply for a mortgage. For most home buyers in New Hampshire, interest rate is one of the biggest factors when choosing a lender. Doing some upfront research and comparing options to find the best rate could save you tens of thousands of dollars over the life of your loan.
For example, in New Hampshire a typical house is worth $316,000. Assuming a 20% down payment, if you took out a 30-year mortgage for 3.5%, your monthly payment would be $1,127. But if you shopped around and found a 3% mortgage, your monthly payment would drop to about $1,066.
4. Negotiate for the best possible price
Once you find a property you want, your agent will help you submit an offer to win the house without overpaying. They'll also guide you through the negotiations so you get the best deal on your new home.
If you're looking for a realtor, Clever can connect you with the top buyer's agents in your area for a free, no-obligation consultation.
Fill out our online form, and a Clever representative will reach out to get the process started and answer any questions.
Finding a great local realtor is the first step in making your home buying dreams a reality. Our free service matches you with top agents from trusted brands like Keller Williams and RE/MAX.
Enter your zip code to request hand-picked agent matches in minutes. Compare your options until you find the perfect fit, or walk away with no obligation. Try Clever's free service today!