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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Woodsville, NH Housing Affordability Index

Woodsville, New Hampshire has an MBR Housing Affordability Index score of 84.7 (Moderately Less Affordable) as of October 30, 2026, ranking 54th most affordable of 82 scored New Hampshire cities, compared with 86.3 statewide and 97.4 nationally. On a median-priced $228,000 home with 20% down, the New Hampshire average 30-year fixed rate of 7.35% means a monthly principal and interest payment of about $1,257, or 26% of the city’s $57,946 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Woodsville is updated every night from live New Hampshire mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Woodsville MBR-HAI 84.7 Moderately Less Affordable
Rank in New Hampshire 54 of 82 1 = most affordable
New Hampshire 86.3 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.35% New Hampshire lenders
Median home value $228,000 U.S. Census Bureau

Woodsville is 1.6 points below the New Hampshire score. Scores as of October 30, 2026. See the New Hampshire index

View Woodsville Mortgage Rates

See What You Can Afford in Woodsville, New Hampshire

Use this Woodsville, New Hampshire home affordability calculator to see how much house you can afford at today’s New Hampshire average 30-year mortgage rate of 7.35%. A household earning the Woodsville median income of $57,946, with no other debts and $46,000 down, can afford a home of about $187,569, compared with a median home value of $228,000. Buying the median priced home with 20% down takes a household income of about $73,500 once property tax and insurance are counted.

Woodsville median (Census)
Car, student loan, card minimums
Under 20% adds PMI
New Hampshire average, 30-year fixed
Woodsville median bill (Census)
Estimate; use your quote
You can afford a home up to
$187,569
Below the Woodsville median home value of $228,000
Loan amount$141,569
Principal & interest$975/mo
Property tax$299/mo
Home insurance$78/mo
PMI$0/mo
Total monthly payment$1,352/mo
Compare Woodsville Mortgage Rates

How much house can you afford in Woodsville?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Woodsville, property taxes run about 1.91% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $2,670 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Woodsville

$1,257/mo
Principal & Interest
Median home, 20% down, 7.35%
$53,900
Income Needed
To keep principal and interest at 28% of income
$57,946
Median Household Income
New Hampshire: $99,031
3.9x
Price-to-Income Ratio
New Hampshire: 4.1x
$1,667/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,350/yr
Median Property Tax
1.91% of median value
27.1%
Owner Cost Burden
Owners spending 30%+ of income on housing
60.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Woodsville, New Hampshire. The rate is the New Hampshire average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Woodsville Ranks in New Hampshire

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Cite the Woodsville Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Woodsville, New Hampshire score: 84.7 (Moderately Less Affordable), ranked 54 of 82 New Hampshire cities. monitorbankrates.com/housing-affordability-index/new-hampshire/woodsville”