Housing decision brief
Cheshire County, NH Housing Market
Cheshire County screens as a below-state purchase price, below-state rent, a higher tax-rate signal market. Use the page as a decision brief, not just a price lookup, because local income, taxes, and data confidence change how affordable the county really is.
3rd lowest home value out of 10 New Hampshire counties with data | 5th lowest rent out of 10
Median home value
$257,200
Purchase-price signal from Census ACS.
Median rent
$1,220/mo
Gross rent, including utilities where reported.
Monthly owner cost
$1,498/mo
Owner costs before individual loan terms.
Decision snapshot
Read this county in four signals.
Buy screen
3.2x
Median home value divided by local household income.
Rent burden
28.0%
Below 30% usually screens as less pressured.
Rent vs own
$278/mo
Median rent screens below owner cost.
Data confidence
1 note
Crime coverage is partial, so safety comparisons need source context.
What Works
Lower purchase price
$257,200 median home value is 22% below New Hampshire county median
Lower rent
$1,220/mo is 3% below New Hampshire county median
Rent burden below pressure line
28.00% of renter income goes to rent, below the 30% burden threshold.
What to Check
Lower income base
$81,001 median income is 5% below New Hampshire county median
Tax rate needs attention
2.32% effective property-tax rate is 16% above New Hampshire county median
Crime data coverage
Crime data coverage is partial. Treat zero or low crime rates as incomplete until you check the source coverage.
Best Fit For
- Remote earners or cash buyers looking below the state price line
Poor Fit For
- Households dependent on a deep local wage market
- Buyers focused only on purchase price and ignoring annual property tax
- Anyone treating reported crime rates as complete without source context
County vs State vs National
The county number only matters after you see the benchmark. These comparisons show where Cheshire County is genuinely cheap, where it is average, and where the hidden cost may be.
| Metric | County | State | U.S. | Signal |
|---|---|---|---|---|
Median home value Lower usually helps affordability. | $257,200 | $331,500 | $281,900 | 22% favorable22% below New Hampshire county median |
Median gross rent Lower usually helps affordability. | $1,220 | $1,256 | $1,163 | Near state median3% below New Hampshire county median |
Monthly owner cost Lower usually helps affordability. | $1,498 | $1,511 | $1,672 | Near state median1% below New Hampshire county median |
Median household income | $81,001 | $85,293 | $74,755 | 5% pressure5% below New Hampshire county median |
Effective property-tax rate Lower usually helps affordability. | 2.32% | 2.00% | 1.02% | 16% pressure16% above New Hampshire county median |
Rent burden Lower usually helps affordability. | 28.00% | 29.00% | N/A | Near state median28.00% of renter income goes to rent. |
Income Fit
A low price only helps if local income can carry the monthly cost. This panel compares the county income base with rent and owner-cost thresholds.
Rent cushion
+$32,201
Median income minus rent threshold.
Owner cushion
+$16,801
Median income minus owner-cost threshold.
Affordability Advisory
This turns the raw housing numbers into income and buy-versus-rent screens.
Affordability verdict
Cheshire County offers affordable rental housing at a median of $1,220/month , about 18.1% of the typical household income here.
Rent vs own
The median rent in Cheshire County is $1,220/month, while owner costs run $1,498/month. Renting saves approximately $278/month.
Income needed
To afford the median rent without exceeding 30% of gross income, a household needs to earn approximately $48,800/year. For owner costs at the 28% rule, the required income is roughly $64,200/year. With a median household income of $81,001, most households can comfortably afford rent here. Notably, 28.0% of renter households in Cheshire County are cost-burdened, spending more than 30% of income on housing.
Regional context
Within New Hampshire, Cheshire County is more affordable than Sullivan County by roughly 5% ($1,220/mo vs $1,159/mo).
Better Counties to Compare
Similar counties are matched on home value, rent, income, and state context. This is more useful than a simple nearest-price list.
| County | Home Value | Rent | Why compare |
|---|---|---|---|
| Sullivan County, NH | $236,300 | $1,159/mo | Same-state comparison near $236,300 home value and $1,159/mo rent. |
| Grafton County, NH | $298,500 | $1,292/mo | Same-state comparison near $298,500 home value and $1,292/mo rent. |
| Carroll County, NH | $348,900 | $1,179/mo | Same-state comparison near $348,900 home value and $1,179/mo rent. |
| Belknap County, NH | $340,000 | $1,184/mo | Same-state comparison near $340,000 home value and $1,184/mo rent. |
| Bartow County, GA | $262,200 | $1,202/mo | Out-of-state peer near $262,200 home value and $1,202/mo rent. |
Data Confidence
- Crime coverage is partial, so safety comparisons need source context.
Next Checks
Housing Questions for Cheshire County
Is Cheshire County affordable for buying a home?
Is renting or owning cheaper in Cheshire County?
How much income do you need for housing in Cheshire County?
What should I double-check before moving to Cheshire County?
Data: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates (2019-2023) — Informational only. Not financial or legal advice.