The typical owner-occupied home in Keene is worth about $252,500, 37% below the New Hampshire median of $402,500 and 24% below the national median of $332,700. Owners pay a median $6,812 a year in property taxes, about 2.70% of their home's value, higher than the New Hampshire rate of 1.66%. The median household earns $78,445 a year, so the median home costs 3.2 times the median income (4.1 times for New Hampshire). 55% of occupied homes here are lived in by their owners, and 56% of those owners still have a mortgage.
Keene at a glance
| Keene | New Hampshire | U.S. | |
|---|---|---|---|
| Median home value | $252,500 | $402,500 | $332,700 |
| Median property tax paid per year | $6,812 | $6,667 | $3,119 |
| Property tax as a share of value | 2.70% | 1.66% | 0.94% |
| Median household income | $78,445 | $99,031 | $80,734 |
| Homes lived in by their owners | 55% | 73% | 65% |
| Owner homes with a mortgage | 56% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $2,061 | $2,367 | $1,963 |
| Those costs as a share of the owners' income | 23.5% | 21.9% | 21.0% |
| Median rent | $1,342 | $1,491 | $1,413 |
| Rent as a share of renters' income | 28.4% | 29.4% | 30.6% |
| Median year homes were built | 1961 | 1979 | 1980 |
| Vacant homes | 10.8% | 14.3% | 10.1% |
| Population | 22,939 | 1,394,868 | 334,922,499 |
What a typical home costs per month in Keene
At this week's average 30-year rate of 7.11%, buying the median Keene home of $252,500 with 20% down costs about $2,032 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,453, 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 $87,094 for the 20%-down payment. That payment is 31% of the median Keene household income of $78,445; at that income and 20% down, the 28% guideline points to a home of about $227,000.
The median rent here is $1,342 a month, so owning the median home costs about $690 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $50,500 |
|---|---|
| Loan amount | $202,000 |
| Principal and interest | $1,359 |
| Property taxes (2.70% a year) | $568 |
| Homeowners insurance (our estimate, 0.5% a year) | $105 |
| PMI | $0 |
| Total per month | $2,032 |
Change the numbers in the calculator
| Down payment | $8,838 |
|---|---|
| Loan amount | $247,927 |
| Principal and interest | $1,668 |
| Property taxes (2.70% a year) | $568 |
| Homeowners insurance (our estimate, 0.5% a year) | $105 |
| FHA mortgage insurance | $112 |
| Total per month | $2,453 |
Change the numbers in the calculator
Questions about home buying in Keene
What is the median home value in Keene?
About $252,500 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Keene?
Homeowners pay a median $6,812 a year, which is about 2.70% 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 Keene?
For the median home with 20% down at 7.11%, the payment is about $2,032 a month. Keeping that under 28% of gross income takes about $87,094 a year.
More about Keene
- Mortgage Refinance in Keene
- Debt Relief in Keene
- Home Equity Loans in Keene
- 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