Mortgage Rates in Bedford, New Hampshire — March 2026
Updated March 2026 | Based on Bedford market data and regional lending conditions
Bedford is a growing city in New Hampshire with a population of 23,322. The current 30-year fixed mortgage rate in Bedford is 6.66%, which is 0.01% above the national average. With a median home price of $338,000 and a 20% down payment of $67,600, homebuyers can expect a monthly principal and interest payment of approximately $1,738.
Current Mortgage Rates in Bedford, NH
Below are the current average mortgage rates available in the Bedford area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.66% | 6.65% | +0.01% |
| 15-Year Fixed | 5.92% | 5.89% | +0.03% |
| 5/1 ARM | 6.2% | 6.15% | +0.05% |
| FHA | 6.46% | 6.25% | +0.21% |
| VA | 6.21% | 6.05% | +0.16% |
| Jumbo | 6.91% | 6.85% | +0.06% |
Bedford Housing Market Overview
The Bedford housing market reflects moderate demand with prices near the national average. The median household income in Bedford is $69,100, and the cost of living index is 113.7 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $99,943 to comfortably afford the median-priced home in Bedford, which exceeds the current median household income.
Monthly Payment Breakdown for Bedford
Based on the median home price of $338,000 with 20% down ($67,600), here is what you can expect to pay monthly in Bedford:
15-Year vs. 30-Year Mortgage in Bedford
Choosing a 15-year mortgage in Bedford at 5.92% instead of a 30-year at 6.66% would save you $217,080 in total interest over the life of the loan. However, your monthly payment would be $2,270 instead of $1,738 — an increase of $532 per month.
Calculate Your Bedford Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Bedford
What are the current mortgage rates in Bedford, NH?
As of March 2026, the average 30-year fixed mortgage rate in Bedford, New Hampshire is 6.66%, while the 15-year fixed rate is 5.92%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.01% above the national average of 6.65%.
How much is a monthly mortgage payment in Bedford?
Based on the median home price of $338,000 with 20% down, the estimated monthly mortgage payment in Bedford is $1,738 for principal and interest. Including property taxes of $594/month, the total monthly housing cost is approximately $2,332.
What income do I need to buy a home in Bedford?
Using the 28% rule, you would need an annual income of approximately $99,943 to afford the median-priced home in Bedford at $338,000. The median household income in Bedford is $69,100. This means most households would need to either earn above the median or consider homes below $338,000.
Is Bedford a good place to buy a home in 2026?
Bedford has a moderate cost of living with a cost of living index of 113.7 (national average = 100). The property tax rate in New Hampshire is 2.11%, which is above the national average. Bedford has a population of 23,322 and offers a balanced lifestyle.
Mortgage Rates in Other New Hampshire Cities
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Last updated: March 2026. Rates are approximate averages based on regional lending data for the Bedford, New Hampshire area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.