The typical owner-occupied home in Jaffrey is worth about $217,700, 46% below the New Hampshire median of $402,500 and 35% below the national median of $332,700. Owners pay a median $4,959 a year in property taxes, about 2.28% of their home's value, higher than the New Hampshire rate of 1.66%. The median household earns $99,667 a year, so the median home costs 2.2 times the median income (4.1 times for New Hampshire). 75% of occupied homes here are lived in by their owners, and 67% of those owners still have a mortgage.
Jaffrey at a glance
| Jaffrey | New Hampshire | U.S. | |
|---|---|---|---|
| Median home value | $217,700 | $402,500 | $332,700 |
| Median property tax paid per year | $4,959 | $6,667 | $3,119 |
| Property tax as a share of value | 2.28% | 1.66% | 0.94% |
| Median household income | $99,667 | $99,031 | $80,734 |
| Homes lived in by their owners | 75% | 73% | 65% |
| Owner homes with a mortgage | 67% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,823 | $2,367 | $1,963 |
| Those costs as a share of the owners' income | 16.1% | 21.9% | 21.0% |
| Median rent | $869 | $1,491 | $1,413 |
| Rent as a share of renters' income | 26.3% | 29.4% | 30.6% |
| Median year homes were built | 1973 | 1979 | 1980 |
| Vacant homes | 11.8% | 14.3% | 10.1% |
| Population | 3,277 | 1,394,868 | 334,922,499 |
What a typical home costs per month in Jaffrey
At this week's average 30-year rate of 7.11%, buying the median Jaffrey home of $217,700 with 20% down costs about $1,676 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,039, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $71,826 for the 20%-down payment. That payment is 20% of the median Jaffrey household income of $99,667; at that income and 20% down, the 28% guideline points to a home of about $302,000.
The median rent here is $869 a month, so owning the median home costs about $807 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $43,540 |
|---|---|
| Loan amount | $174,160 |
| Principal and interest | $1,172 |
| Property taxes (2.28% a year) | $414 |
| Homeowners insurance (our estimate, 0.5% a year) | $91 |
| PMI | $0 |
| Total per month | $1,676 |
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| Down payment | $7,620 |
|---|---|
| Loan amount | $213,757 |
| Principal and interest | $1,438 |
| Property taxes (2.28% a year) | $414 |
| Homeowners insurance (our estimate, 0.5% a year) | $91 |
| FHA mortgage insurance | $96 |
| Total per month | $2,039 |
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Questions about home buying in Jaffrey
What is the median home value in Jaffrey?
About $217,700 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Jaffrey?
Homeowners pay a median $4,959 a year, which is about 2.28% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Jaffrey?
For the median home with 20% down at 7.11%, the payment is about $1,676 a month. Keeping that under 28% of gross income takes about $71,826 a year.
More about Jaffrey
- Mortgage Refinance in Jaffrey
- Debt Relief in Jaffrey
- Home Equity Loans in Jaffrey
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data