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New Hampshire House Hack Calculator

House hacking means living in one unit and renting the rest. Pre-filled with New Hampshire median prices, rents, and tax rates. See your effective housing cost after rental income and savings versus renting.

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Property & Financing

Units & Rental Income(New Hampshire defaults)

Monthly Rental Income$4,105

Operating Expenses(New Hampshire defaults)

Total Monthly Expenses$1,080

Rent Comparison

Monthly Savings vs. Renting$2,110

New Hampshire Market Context

Avg Cap Rate

5.2%

Median Price

$483K

Property Tax

1.35%

Vacancy Rate

4%

Local Factors

  • -No state income tax or sales tax but very high property taxes fund local services
  • -Very low vacancy due to limited housing supply and proximity to Boston jobs
  • -Cold winters increase heating and maintenance costs

Effective Housing Cost

$28

Excellent
Monthly Mortgage$3,053
Monthly Expenses$1,080
Total Monthly Cost$4,133
Rental Income− $4,105
Cost Coverage99.3%
Annual Savings vs. Rent$25,322
Cash on Cash Return-1.4%

Who Covers Your Costs

COVERAGE99%
Rental Income$4,105
Your Cost$28

What does this mean?

Your effective housing cost is extremely low. You're paying a fraction of what you'd normally spend on rent or a mortgage, and your tenants are covering the bulk of your costs.

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