Home Insurance Estimator for Manchester, NH
Updated 2026 · Local data pre-filled
Home insurance rates vary widely within New Hampshire, driven by weather risks, construction costs, and local claims history. The median home value in Manchester is $420,000, and we've pre-filled that as your dwelling coverage starting point. Adjust for your home's actual replacement cost for the most accurate estimate.
✓ Calculator below is pre-filled with Manchester local data
How Manchester Compares to the National Average
Understanding how Manchester stacks up helps you calibrate your financial planning.
| Metric | Manchester, NH | US Average | Difference |
|---|---|---|---|
| Median Home Price | $420,000 | $420,800 | -0.2% |
| Median Monthly Rent | $1,598 | $1,713 | -6.7% |
| Median Household Income | $76,400 | $74,580 | +2.4% |
| Property Tax Rate | 2.20% | 1.10% | +100.0% |
| Cost of Living Index | 113 | 100 | +13.0% |
Sources: U.S. Census Bureau, BLS, Zillow, NAR (2024–2025). Green = favorable for residents; red = less favorable.
Manchester Financial Snapshot
- Population (Metro)
- 415,000
- Unemployment
- 3.0%
- Avg Commute
- 26 min
- Median Age
- 38.8
- Price-to-Rent Ratio
- 21.9x
- Annual Property Tax
- $9,240
Frequently Asked Questions — Manchester
What is the median home price in Manchester, NH?
The median home price in Manchester is $420,000 as of 2025–2026. This is below the national median of $420,800.
What is the average rent in Manchester?
Median monthly rent in Manchester is $1,598. That works out to $19,176/year, or 25% of the median household income — within the commonly recommended 30% of income guideline.
Is Manchester affordable?
Manchester's cost of living index is 113 vs. the national average of 100. With a median household income of $76,400/year and a median home price of $420,000, the price-to-income ratio is 5.5x. Manchester falls in the middle of the affordability spectrum for US cities.
What is the property tax rate in Manchester?
The effective property tax rate in Manchester is 2.20% of assessed value. On the median home of $420,000, that's roughly $9,240/year ($770/month).