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🏠 Estimador de Seguro de Hogar en New Hampshire — 2026

New Hampshire (NH) · Sin impuesto estatal · Impuesto predial: 1.93% · Casa mediana: $475,000

Escrito por Jere Salmisto·Revisado por CalcFi Editorial·Última revisión 2026-04-19·Metodología

¿Buscas la calculadora nacional de Estimador de Seguro de Hogar? Ver la Estimador de Seguro de Hogar nacional.

El seguro de hogar en New Hampshire promedia $1,040/año (NAIC). Sobre la vivienda mediana de $475,000, esto representa el 0.22% del valor de la propiedad cada año. Los costos de reconstrucción están cerca o por debajo del promedio nacional. New Hampshire no tiene impuesto estatal sobre el ingreso, lo que aumenta tu poder adquisitivo.[1][2]

Datos clave de New Hampshire (2026)

Impuesto estatal

Ninguno

Casa mediana

$475,000

Impuesto predial

1.93%

Costo de vida

105.4

Ingreso mediano del hogar: $111,800 · Pago PITI estimado en casa mediana: $3,409/mes [3]

Usa la estimador de seguro de hogar

Cómo funciona el cálculo

La estimador de seguro de hogar aplica los números locales de New Hampshire de 2026 a la fórmula estándar del cálculo. Los datos de estado vienen del repositorio de CalcFi con refresco automático ISR de 24 horas. Fuentes primarias: Zillow ZHVI[1], BEA RPP[7], Tax Foundation[2].

Cómo se compara New Hampshire

MétricaNew HampshireProm. EE.UU.MEMAVT
Casa mediana$475,000$425,000$345,000$465,000$385,000
Impuesto predial1.93%1.11%1.36%1.23%1.90%
Impuesto estatal (marginal)Ninguno~5%5.80%5.00%8.75%
Índice costo de vida105.4100.0106125114

Última revisión 2026-04-19. Estimaciones 2026. Variaciones por condado y ciudad.[7]

← Ver Estimador de Seguro de Hogar (sin filtro de estado)
🇺🇸English version: Estimador de Seguro de Hogar for New Hampshire →

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Preguntas frecuentes

¿Cómo funciona la estimador de seguro de hogar en New Hampshire?
La estimador de seguro de hogar combina tres inputs: (1) la fórmula de cálculo que corre localmente en tu navegador (sin enviar datos), (2) constantes financieras de New Hampshire para 2026 — impuesto estatal ninguno, impuesto predial 1.93%, casa mediana $475,000 — y (3) promedios nacionales para comparación. Todos los números provienen de datasets públicos primarios citados al final de esta página.

Datos financieros de New Hampshire (2026)

Impuesto estatal
Ninguno
Impuesto predial (efectivo)
1.93%
Valor mediano de vivienda
$475,000
Seguro de hogar (promedio)
$1,040/año
Índice costo de vida (RPP)
105.4
Abreviatura
NH
Metodología — cómo calculamos estos números

Las páginas pSEO de CalcFi combinan tres inputs: (1) la fórmula de la calculadora, que corre del lado del cliente (ningún dato sale de tu navegador); (2) constantes financieras a nivel de estado de datasets públicos primarios; y (3) benchmarks nacionales para comparación. La página de New Hampshire usa el impuesto predial (1.93%), el precio mediano de vivienda ($475,000), y la ausencia de impuesto estatal de las fuentes listadas más abajo.

Frecuencia de actualización: los tramos de impuesto estatal y salario mínimo se revisan anualmente tras cada sesión legislativa. Impuesto predial, precio mediano de vivienda, seguro, y cifras de costo de vida se revisan anualmente contra fuentes primarias. El dateModified de la página coincide con la fecha más reciente de revisión editorial mostrada arriba.

Limitaciones conocidas: los promedios estatales ocultan gran varianza intra-estado — el impuesto predial a nivel de condado y los precios de vivienda metropolitanos difieren significativamente de las cifras mostradas. Para cálculos más precisos, cruza la salida con el tasador de tu condado y las tablas de impuestos federales/estatales vigentes al momento de presentar tu declaración.

Sources

Every number on this page cites a primary public dataset. Last reviewed 2026-04-19 (auto-bumped on the next ISR refresh after an ETL run).

  1. NAIC Dwelling Fire, Homeowners Owners, and Homeowners Tenants Insurance Report — content.naic.org/article/homeowners-insurance-report. Retrieved 2026-04-19.
  2. Zillow Research — ZHVI (Zillow Home Value Index) + ZORI (Zillow Observed Rent Index) — www.zillow.com/research/data. Retrieved 2026-04-19.
  3. U.S. Census Bureau — American Community Survey (ACS) 5-year estimates — www.census.gov/programs-surveys/acs. Retrieved 2026-04-19.
  4. Internal Revenue Service — federal individual income tax brackets and standard deductions — www.irs.gov/forms-pubs/about-publication-17. Retrieved 2026-04-19.
  5. Freddie Mac Primary Mortgage Market Survey (PMMS) — weekly national mortgage rates — www.freddiemac.com/pmms. Retrieved 2026-04-19.
  6. Tax Foundation — Property Taxes Paid as % of Owner-Occupied Housing Value; State Tax Rates and Brackets; Estate/Inheritance; Social Security Taxation — taxfoundation.org/data/all/state. Retrieved 2026-04-19.
  7. State Departments of Revenue — official bracket + deduction publications (one primary URL per state; linked in the brackets table below) — taxfoundation.org/data/all/state/state-income-tax-rates. Retrieved 2026-04-19.
  8. Bureau of Economic Analysis — Regional Price Parities by State — www.bea.gov/data/prices-inflation/regional-price-parities-state-and-metro-area. Retrieved 2026-04-19.
  9. U.S. Department of Labor — State Minimum Wage Laws — www.dol.gov/agencies/whd/minimum-wage/state. Retrieved 2026-04-19.
  10. FRED (Federal Reserve Economic Data) — real median household income, unemployment, HPI, LFPR per state — fred.stlouisfed.org. Retrieved 2026-04-19.
  11. BLS Occupational Employment and Wage Statistics (OEWS) — state-level occupational wages — www.bls.gov/oes. Retrieved 2026-04-19.

CalcFi does not sell data. If you spot an error, email [email protected] with the URL and the correct figure.

Calculadoras relacionadas

  • Comparador de Seguros de Hogar
  • Comparador de Seguros de Auto
  • Calculadora de Seguro de Vida
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Assumptions· 2026

  • ·Dwelling coverage set to estimated replacement cost (not market value)
  • ·Replacement cost uses RSMeans median construction cost per sq ft by region
  • ·Personal property coverage default: 50–70% of dwelling; liability: $100,000
When this is wrong
  • ·Flood and earthquake perils excluded from HO-3 — each requires separate policy
  • ·Actual replacement cost varies significantly by custom finishes, age, and local labor costs
  • ·Condo (HO-6) and renters (HO-4) policy structures differ from homeowner HO-3
  • ·Roof age surcharges: roofs over 15–20 years old can add 25–50% to premium in many states
Assumptions· 2026▾
  • ·Dwelling coverage set to estimated replacement cost (not market value)
  • ·Replacement cost uses RSMeans median construction cost per sq ft by region
  • ·Personal property coverage default: 50–70% of dwelling; liability: $100,000
When this is wrong
  • ·Flood and earthquake perils excluded from HO-3 — each requires separate policy
  • ·Actual replacement cost varies significantly by custom finishes, age, and local labor costs
  • ·Condo (HO-6) and renters (HO-4) policy structures differ from homeowner HO-3
  • ·Roof age surcharges: roofs over 15–20 years old can add 25–50% to premium in many states

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Monthly
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Coverage
$320,000
Rate
0.52%

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Published byJere Salmisto· Founder, CalcFiReviewed byCalcFi EditorialEditorial standardsMethodologyLast verified April 21, 2026

Primary sources & authoritative references

Every formula on this page traces to a federal agency, central bank, or peer-reviewed institution. We cite the rule-makers, not secondhand blogs.

  • CFPB — Loan Estimate: homeowners insurance line item — Consumer Financial Protection BureauFederal standardized disclosure line used to benchmark insurance costs. (opens in new tab)
  • HUD — Insurance topics for homeowners — U.S. Department of Housing and Urban Development (opens in new tab)
  • FRED — CPI: Household insurance (CPIHOSSL) — Federal Reserve Bank of St. LouisBLS consumer price index component tracking insurance cost trends. (opens in new tab)
  • FEMA — National Flood Insurance Program — Federal Emergency Management AgencyNFIP premiums included in total home insurance for flood-zone homes. (opens in new tab)
  • U.S. Census Bureau — American Housing Survey — U.S. Census BureauNational home value and insurance cost distribution benchmarks. (opens in new tab)
  • BLS — Consumer Expenditure Survey (household insurance) — U.S. Bureau of Labor StatisticsAverage household homeowner insurance spending by geography. (opens in new tab)

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