Total monthly cost of ownership
Cost to Own a Home in Jaffrey, New Hampshire
A $219,000 home here costs
$2,083per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,126. The real number is $957 higher every month — 85% 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.
Jaffrey against Cheshire County and New Hampshire
| Measure | Jaffrey | Cheshire County |
|---|---|---|
| Median home value | $219,200 | $257,200 |
| Median property tax | $4,877 | $5,968 |
| Effective tax rate | 2.225% | 2.320% |
| Median gross rent | $950 | $1,220 |
| Population | 2,885 | 76,945 |
The weather behind that power bill
Jaffrey sits in Cheshire County, which averages a high of 81.9°F in its hottest month and a low of 10.4°F in its coldest, with 46.11" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 375 cooling and 7,501 heating degree days, which is what sets the $246 electricity line above.
See the full climate breakdown for Cheshire County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Cheshire County
Full Cheshire County cost breakdown · Every county in New Hampshire
Common questions
How much does it cost to own a home in Jaffrey?
A $219,000 home in Jaffrey, New Hampshire costs approximately $2,083 per month with 20% down at 6.66%. That is $1,126 principal and interest, $406 property tax, $54 homeowners insurance, $314 utilities and $183 set aside for maintenance.
What is the property tax rate in Jaffrey?
Jaffrey has an effective property tax rate of 2.225%, based on a median home value of $219,200 and median real estate taxes of $4,877. That is lower than the Cheshire County average of 2.320%.
What is the average home price in Jaffrey?
The median owner-occupied home value in Jaffrey, New Hampshire is $219,200, against $257,200 across Cheshire County.
Is it cheaper to rent or buy in Jaffrey?
Median gross rent in Jaffrey is $950 a month, against $2,083 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 Jaffrey — 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.