Mortgage Refinance Rates in New Hampshire (2026)
With New Hampshire's median value near $475,000, a homeowner refinancing a typical $323,000 balance from about 7.50% to 6.25% saves roughly $270/month — breaking even on ~$8,075 of costs near month 30.
Whether you want a smaller payment or cash from your New Hampshire equity, the break-even is what decides if it is worth it. New Hampshire uses the $806,500 conforming baseline statewide.
Refinance snapshot by New Hampshire county
| County | Est. Value | 2026 Conforming Limit | Tier |
|---|---|---|---|
| Hillsborough County | $475,000 | $806,500 | Baseline |
| Rockingham County | $475,000 | $806,500 | Baseline |
| Merrimack County | $475,000 | $806,500 | Baseline |
| Strafford County | $475,000 | $806,500 | Baseline |
| Grafton County | $475,000 | $806,500 | Baseline |
| Cheshire County | $475,000 | $806,500 | Baseline |
| Belknap County | $475,000 | $806,500 | Baseline |
| Carroll County | $475,000 | $806,500 | Baseline |
| Sullivan County | $475,000 | $806,500 | Baseline |
| Coos County | $475,000 | $806,500 | Baseline |
Should you refinance in New Hampshire?
It comes down to your break-even. Take your closing costs (often 2-5% of the balance) and divide by your monthly savings — if you will stay in the home past that month count, refinancing usually wins. Cash-out makes sense when the rate and use of funds beat your other borrowing options.
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Frequently Asked Questions
- How much can refinancing save in New Hampshire?
- On a $323,000 balance near the New Hampshire median, dropping from ~7.50% to 6.25% saves about $270/month. Your figure depends on your current rate and balance.
- What is the conforming loan limit in New Hampshire for 2026?
- Most New Hampshire counties use the $806,500 baseline; high-cost counties go up to $1,209,750. Above that, refinances are jumbo loans.