The typical owner-occupied home in Whitefield is worth about $195,400, 51% below the New Hampshire median of $402,500 and 41% below the national median of $332,700. Owners pay a median $3,381 a year in property taxes, about 1.73% of their home's value, close to the New Hampshire rate of 1.66%. The median household earns $61,429 a year, so the median home costs 3.2 times the median income (4.1 times for New Hampshire). 54% of occupied homes here are lived in by their owners, and 50% of those owners still have a mortgage.
Whitefield at a glance
| Whitefield | New Hampshire | U.S. | |
|---|---|---|---|
| Median home value | $195,400 | $402,500 | $332,700 |
| Median property tax paid per year | $3,381 | $6,667 | $3,119 |
| Property tax as a share of value | 1.73% | 1.66% | 0.94% |
| Median household income | $61,429 | $99,031 | $80,734 |
| Homes lived in by their owners | 54% | 73% | 65% |
| Owner homes with a mortgage | 50% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $1,692 | $2,367 | $1,963 |
| Those costs as a share of the owners' income | 27.0% | 21.9% | 21.0% |
| Median rent | $1,070 | $1,491 | $1,413 |
| Rent as a share of renters' income | 30.0% | 29.4% | 30.6% |
| Median year homes were built | 1938 | 1979 | 1980 |
| Vacant homes | 11.9% | 14.3% | 10.1% |
| Population | 1,512 | 1,394,868 | 334,922,499 |
What a typical home costs per month in Whitefield
At this week's average 30-year rate of 7.11%, buying the median Whitefield home of $195,400 with 20% down costs about $1,415 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,740, 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 $60,630 for the 20%-down payment. That payment is 28% of the median Whitefield household income of $61,429; at that income and 20% down, the 28% guideline points to a home of about $198,000.
The median rent here is $1,070 a month, so owning the median home costs about $345 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $39,080 |
|---|---|
| Loan amount | $156,320 |
| Principal and interest | $1,052 |
| Property taxes (1.73% a year) | $282 |
| Homeowners insurance (our estimate, 0.5% a year) | $81 |
| PMI | $0 |
| Total per month | $1,415 |
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| Down payment | $6,839 |
|---|---|
| Loan amount | $191,861 |
| Principal and interest | $1,291 |
| Property taxes (1.73% a year) | $282 |
| Homeowners insurance (our estimate, 0.5% a year) | $81 |
| FHA mortgage insurance | $86 |
| Total per month | $1,740 |
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Questions about home buying in Whitefield
What is the median home value in Whitefield?
About $195,400 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Whitefield?
Homeowners pay a median $3,381 a year, which is about 1.73% 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 Whitefield?
For the median home with 20% down at 7.11%, the payment is about $1,415 a month. Keeping that under 28% of gross income takes about $60,630 a year.
More about Whitefield
- Mortgage Refinance in Whitefield
- Debt Relief in Whitefield
- Home Equity Loans in Whitefield
- 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