Total monthly cost of ownership
Cost to Own a Home in Plymouth, New Hampshire
A $274,000 home here costs
$2,531per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,409. The real number is $1,122 higher every month — 80% 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.
Plymouth against Grafton County and New Hampshire
| Measure | Plymouth | Grafton County |
|---|---|---|
| Median home value | $274,200 | $298,500 |
| Median property tax | $6,148 | $5,624 |
| Effective tax rate | 2.242% | 1.884% |
| Median gross rent | $1,312 | $1,292 |
| Population | 4,877 | 91,759 |
The weather behind that power bill
Plymouth sits in Grafton County, which averages a high of 82.0°F in its hottest month and a low of 7.0°F in its coldest, with 42.9" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 333 cooling and 7,847 heating degree days, which is what sets the $246 electricity line above.
See the full climate breakdown for Grafton County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Grafton County
Full Grafton County cost breakdown · Every county in New Hampshire
Common questions
How much does it cost to own a home in Plymouth?
A $274,000 home in Plymouth, New Hampshire costs approximately $2,531 per month with 20% down at 6.66%. That is $1,409 principal and interest, $512 property tax, $68 homeowners insurance, $314 utilities and $228 set aside for maintenance.
What is the property tax rate in Plymouth?
Plymouth has an effective property tax rate of 2.242%, based on a median home value of $274,200 and median real estate taxes of $6,148. That is higher than the Grafton County average of 1.884%.
What is the average home price in Plymouth?
The median owner-occupied home value in Plymouth, New Hampshire is $274,200, against $298,500 across Grafton County.
Is it cheaper to rent or buy in Plymouth?
Median gross rent in Plymouth is $1,312 a month, against $2,531 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 Plymouth — 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.