Total monthly cost of ownership
Cost to Own a Home in Whitefield, New Hampshire
A $165,000 home here costs
$1,586per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $848. The real number is $738 higher every month — 87% 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.
Whitefield against Coos County and New Hampshire
| Measure | Whitefield | Coos County |
|---|---|---|
| Median home value | $165,000 | $169,600 |
| Median property tax | $2,951 | $3,511 |
| Effective tax rate | 1.788% | 2.070% |
| Median gross rent | $900 | $843 |
| Population | 1,438 | 31,386 |
The weather behind that power bill
Whitefield 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 Whitefield?
A $165,000 home in Whitefield, New Hampshire costs approximately $1,586 per month with 20% down at 6.66%. That is $848 principal and interest, $246 property tax, $41 homeowners insurance, $314 utilities and $138 set aside for maintenance.
What is the property tax rate in Whitefield?
Whitefield has an effective property tax rate of 1.788%, based on a median home value of $165,000 and median real estate taxes of $2,951. That is lower than the Coos County average of 2.070%.
What is the average home price in Whitefield?
The median owner-occupied home value in Whitefield, New Hampshire is $165,000, against $169,600 across Coos County.
Is it cheaper to rent or buy in Whitefield?
Median gross rent in Whitefield is $900 a month, against $1,586 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 Whitefield — 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.