The typical owner-occupied home in Bradford is worth about $302,300, 25% below the New Hampshire median of $402,500 and 9% below the national median of $332,700. Owners pay a median $4,917 a year in property taxes, about 1.63% of their home's value, close to the New Hampshire rate of 1.66%. The median household earns $84,375 a year, so the median home costs 3.6 times the median income (4.1 times for New Hampshire). 68% of occupied homes here are lived in by their owners, and 46% of those owners still have a mortgage.
Bradford at a glance
| Bradford | New Hampshire | U.S. | |
|---|---|---|---|
| Median home value | $302,300 | $402,500 | $332,700 |
| Median property tax paid per year | $4,917 | $6,667 | $3,119 |
| Property tax as a share of value | 1.63% | 1.66% | 0.94% |
| Median household income | $84,375 | $99,031 | $80,734 |
| Homes lived in by their owners | 68% | 73% | 65% |
| Owner homes with a mortgage | 46% | 62% | 61% |
| Median monthly costs, owners with a mortgage | $2,540 | $2,367 | $1,963 |
| Those costs as a share of the owners' income | 23.1% | 21.9% | 21.0% |
| Median rent | $1,500 | $1,491 | $1,413 |
| Rent as a share of renters' income | 40.0% | 29.4% | 30.6% |
| Median year homes were built | 1964 | 1979 | 1980 |
| Vacant homes | 8.3% | 14.3% | 10.1% |
| Population | 404 | 1,394,868 | 334,922,499 |
What a typical home costs per month in Bradford
At this week's average 30-year rate of 7.11%, buying the median Bradford home of $302,300 with 20% down costs about $2,163 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $2,667, 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 $92,719 for the 20%-down payment. That payment is 31% of the median Bradford household income of $84,375; at that income and 20% down, the 28% guideline points to a home of about $275,000.
The median rent here is $1,500 a month, so owning the median home costs about $663 a month more than renting, before you count the equity you build and any tax benefits.
| Down payment | $60,460 |
|---|---|
| Loan amount | $241,840 |
| Principal and interest | $1,627 |
| Property taxes (1.63% a year) | $411 |
| Homeowners insurance (our estimate, 0.5% a year) | $126 |
| PMI | $0 |
| Total per month | $2,163 |
Change the numbers in the calculator
| Down payment | $10,580 |
|---|---|
| Loan amount | $296,825 |
| Principal and interest | $1,997 |
| Property taxes (1.63% a year) | $411 |
| Homeowners insurance (our estimate, 0.5% a year) | $126 |
| FHA mortgage insurance | $134 |
| Total per month | $2,667 |
Change the numbers in the calculator
Questions about home buying in Bradford
What is the median home value in Bradford?
About $302,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Bradford?
Homeowners pay a median $4,917 a year, which is about 1.63% 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 Bradford?
For the median home with 20% down at 7.11%, the payment is about $2,163 a month. Keeping that under 28% of gross income takes about $92,719 a year.
More about Bradford
- Mortgage Refinance in Bradford
- Debt Relief in Bradford
- Home Equity Loans in Bradford
- 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