Total monthly cost of ownership
Cost to Own a Home in Berlin, New Hampshire
A $114,000 home here costs
$1,300per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $586. The real number is $714 higher every month — 122% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Berlin against Coos County and New Hampshire
| Measure | Berlin | Coos County |
|---|---|---|
| Median home value | $113,500 | $169,600 |
| Median property tax | $3,308 | $3,511 |
| Effective tax rate | 2.915% | 2.070% |
| Median gross rent | $804 | $843 |
| Population | 9,473 | 31,386 |
The weather behind that power bill
Berlin sits in Coos County, which averages a high of 79.8°F in its hottest month and a low of 2.5°F in its coldest, with 36.47" of precipitation a year and 34% of it in a single three-month stretch. That climate drives 195 cooling and 8,755 heating degree days, which is what sets the $246 electricity line above.
See the full climate breakdown for Coos County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Coos County
Full Coos County cost breakdown · Every county in New Hampshire
Common questions
How much does it cost to own a home in Berlin?
A $114,000 home in Berlin, New Hampshire costs approximately $1,300 per month with 20% down at 6.66%. That is $586 principal and interest, $277 property tax, $28 homeowners insurance, $314 utilities and $95 set aside for maintenance.
What is the property tax rate in Berlin?
Berlin has an effective property tax rate of 2.915%, based on a median home value of $113,500 and median real estate taxes of $3,308. That is higher than the Coos County average of 2.070%.
What is the average home price in Berlin?
The median owner-occupied home value in Berlin, New Hampshire is $113,500, against $169,600 across Coos County.
Is it cheaper to rent or buy in Berlin?
Median gross rent in Berlin is $804 a month, against $1,300 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Berlin — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for New Hampshire.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.