The typical owner-occupied home in West Swanzey is worth about $193,400, 52% below the New Hampshire median of $402,500 and 42% below the national median of $332,700. Owners pay a median $3,958 a year in property taxes, about 2.05% of their home's value, higher than the New Hampshire rate of 1.66%. The median household earns $47,090 a year, so the median home costs 4.1 times the median income (4.1 times for New Hampshire). 41% of occupied homes here are lived in by their owners, and 48% of those owners still have a mortgage.
West Swanzey at a glance
| West Swanzey | New Hampshire | U.S. | |
|---|---|---|---|
| Median home value | $193,400 | $402,500 | $332,700 |
| Median property tax paid per year | $3,958 | $6,667 | $3,119 |
| Property tax as a share of value | 2.05% | 1.66% | 0.94% |
| Median household income | $47,090 | $99,031 | $80,734 |
| Homes lived in by their owners | 41% | 73% | 65% |
| Owner homes with a mortgage | 48% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,321 | $2,367 | $1,963 |
| Those costs as a share of the owners' income | 31.9% | 21.9% | 21.0% |
| Median rent | $1,645 | $1,491 | $1,413 |
| Rent as a share of renters' income | 37.1% | 29.4% | 30.6% |
| Median year homes were built | 1946 | 1979 | 1980 |
| Vacant homes | 0.0% | 14.3% | 10.1% |
| Population | 1,188 | 1,394,868 | 334,922,499 |
What a typical home costs per month in West Swanzey
At this week's average 30-year rate of 7.11%, buying the median West Swanzey home of $193,400 with 20% down costs about $1,452 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,774, 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 $62,220 for the 20%-down payment. That payment is 37% of the median West Swanzey household income of $47,090; at that income and 20% down, the 28% guideline points to a home of about $146,000.
The median rent here is $1,645 a month, a little more than the monthly cost of owning the median home with 20% down.
| Down payment | $38,680 |
|---|---|
| Loan amount | $154,720 |
| Principal and interest | $1,041 |
| Property taxes (2.05% a year) | $330 |
| Homeowners insurance (our estimate, 0.5% a year) | $81 |
| PMI | $0 |
| Total per month | $1,452 |
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| Down payment | $6,769 |
|---|---|
| Loan amount | $189,897 |
| Principal and interest | $1,277 |
| Property taxes (2.05% a year) | $330 |
| Homeowners insurance (our estimate, 0.5% a year) | $81 |
| FHA mortgage insurance | $86 |
| Total per month | $1,774 |
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Questions about home buying in West Swanzey
What is the median home value in West Swanzey?
About $193,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in West Swanzey?
Homeowners pay a median $3,958 a year, which is about 2.05% 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 West Swanzey?
For the median home with 20% down at 7.11%, the payment is about $1,452 a month. Keeping that under 28% of gross income takes about $62,220 a year.
More about West Swanzey
- Mortgage Refinance in West Swanzey
- Debt Relief in West Swanzey
- Home Equity Loans in West Swanzey
- 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