Mortgage Rates in Hampton, New Hampshire — March 2026
Updated March 2026 | Based on Hampton market data and regional lending conditions
Hampton is a growing city in New Hampshire with a population of 16,187. The current 30-year fixed mortgage rate in Hampton is 6.84%, which is 0.19% above the national average. With a median home price of $312,000 and a 20% down payment of $62,400, homebuyers can expect a monthly principal and interest payment of approximately $1,634.
Current Mortgage Rates in Hampton, NH
Below are the current average mortgage rates available in the Hampton 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 | 6.84% | 6.65% | +0.19% |
| 15-Year Fixed | 6.06% | 5.89% | +0.17% |
| 5/1 ARM | 6.3% | 6.15% | +0.15% |
| FHA | 6.54% | 6.25% | +0.29% |
| VA | 6.29% | 6.05% | +0.24% |
| Jumbo | 7.09% | 6.85% | +0.24% |
Hampton Housing Market Overview
The Hampton housing market reflects moderate demand with prices near the national average. The median household income in Hampton is $73,900, and the cost of living index is 116.4 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $94,757 to comfortably afford the median-priced home in Hampton, which exceeds the current median household income.
Monthly Payment Breakdown for Hampton
Based on the median home price of $312,000 with 20% down ($62,400), here is what you can expect to pay monthly in Hampton:
15-Year vs. 30-Year Mortgage in Hampton
Choosing a 15-year mortgage in Hampton at 6.06% instead of a 30-year at 6.84% would save you $207,720 in total interest over the life of the loan. However, your monthly payment would be $2,114 instead of $1,634 — an increase of $480 per month.
Calculate Your Hampton 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 Hampton
What are the current mortgage rates in Hampton, NH?
As of March 2026, the average 30-year fixed mortgage rate in Hampton, New Hampshire is 6.84%, while the 15-year fixed rate is 6.06%. FHA loans average 6.54% and VA loans 6.29%. These rates are 0.19% above the national average of 6.65%.
How much is a monthly mortgage payment in Hampton?
Based on the median home price of $312,000 with 20% down, the estimated monthly mortgage payment in Hampton is $1,634 for principal and interest. Including property taxes of $577/month, the total monthly housing cost is approximately $2,211.
What income do I need to buy a home in Hampton?
Using the 28% rule, you would need an annual income of approximately $94,757 to afford the median-priced home in Hampton at $312,000. The median household income in Hampton is $73,900. This means most households would need to either earn above the median or consider homes below $312,000.
Is Hampton a good place to buy a home in 2026?
Hampton has a moderate cost of living with a cost of living index of 116.4 (national average = 100). The property tax rate in New Hampshire is 2.22%, which is above the national average. Hampton has a population of 16,187 and offers a balanced lifestyle.
Mortgage Rates in Other New Hampshire Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Hampton, New Hampshire area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.