Cost of Living in New Hampshire: Cities Where Household Expenses are Highest and Lowest in 2025
What is the cost of living in New Hampshire? doxo breaks down key insights about New Hampshire’s household expenses, with a close look into how bills differ between towns and cities across the state.
According to doxo’s The Cost of Bills Index™ (COBI), the average household in New Hampshire pays $2,196 in monthly expenses. doxoINSIGHTS compares the cost of the ten most common household bills across different regions. This includes Utilities, Cable & Internet, Mobile Phone, Auto Loans, Auto Insurance, Life Insurance, Health Insurance, Alarm & Security, Rent, and Mortgage.
The data sheds light on New Hampshire’s cost of living through other metrics as well. For example, the “percent of household income” data point shows what percentage of their household income residents spend on bills each month.
By leveraging these tools, residents can gain a clearer understanding of their household expenses and optimize their financial planning.
New Hampshire ranks as the 13th most expensive state in the US for household bills
According to doxo’s COBI report, New Hampshire is ranked as the 13th most expensive state in the U.S. for household bills.
At $26,352 per year, New Hampshire’s household expenses, on average, are 7% higher than the US median of $24,695.
Absolute dollar amounts don’t tell the full story, however. doxo’s “Percentage of Household Income” data provides a more proportional look at bill spending in a particular location. New Hampshire households spend 27% of their income on bills.
COBI helps consumers understand how much it costs to live in one area as compared to another as it relates to the most common household bills. For COBI, the number 100 represents the national median and then, states, counties and cities are assigned a number, either above or below 100, based on how they compare to the national median. The COBI for New Hampshire is 107.
- Median Bill Cost per Household: $2,196 per month
- Cost of Bills Index(COBI): 107
- doxoINSIGHTS State Rank: #13
- Percent of Household Income Used for Bills: 27%
- Compared to the National Median: 7% higher
New Hampshire Household Expenses are 7% Higher Than the National Median
The average New Hampshire household pays $2,196 per month in the 10 most common household bills. The least expensive of these are alarm and security bills.
On the lowest end of the spectrum, the median monthly payment for alarm and security bills in New Hampshire is $74, compared to the national median of $74, making it the same as the national median.
Monthly mortgage bills are the most significant of the 10 most common bills for New Hampshire residents. The median monthly mortgage payment is $2,024, compared to the national median of $1,775, making it 14% more expensive.
Median New Hampshire Household Bill Spending
| Bill Category | Median New Hampshire Monthly Bill | National Median Monthly Bill | New Hampshire Percent +/- National Median ($2,126) |
| Mortgage | $2,024 | $1,775 | 14% higher |
| Rent | $1,445 | $1,453 | 1% lower |
| Auto Loan | $450 | $470 | 4% lower |
| Auto Insurance | $139 | $105 | 32% higher |
| Health Insurance | $75 | $72 | 4% higher |
| Mobile Phone | $88 | $96 | 8% lower |
| Cable & Internet | $109 | $121 | 10% lower |
| Life Insurance | $55 | $60 | 8% lower |
| Alarm & Security | $74 | $74 | same |
| Total | $2,196 | $2,065 | 7% higher |
*Household Bill Pay Expense medians shown above reflect the ten most common bills paid, including housing (rent/mortgage).
Meriden has the highest cost of living in New Hampshire for household bills
Residents of Meriden pay the highest household bills in the state of New Hampshire, at a median of $3,252 per month. The Cost of Bills Index (COBI) for Meriden is 157, meaning the median cost of bills in this city is 57% higher than the national median.
In proportion to household income, monthly bills in Meriden make up 26% of the median annual household income of $148,958.
Access detailed infographics about each city or town by clicking on the hyperlinks in the “City” column in the tables below. You can also browse doxoINSIGHTS’ regional bill comparison database to see infographics about more than 4,200 cities and towns across all 50 states in the US.
5 Most Expensive New Hampshire Cities for Household Bills
| Rank | City | Median Income | Monthly Bill Expenses Per Household | Cost of Bills Index (COBI) – Standard | % +/- Than the National Median | Percent of Household Income Used for Bills |
| 1 | Meriden | $148,958 | $3,252 | 157 | 57% higher | 26% |
| 2 | Windham | $189,450 | $3,229 | 156 | 56% higher | 20% |
| 3 | Hampton Falls | $155,787 | $3,161 | 153 | 53% higher | 24% |
| 4 | Mont Vernon | $160,250 | $2,874 | 139 | 39% higher | 22% |
| 5 | Chester | $138,606 | $2,858 | 138 | 38% higher | 25% |
*Household Bill Pay Expense medians shown above reflect the ten most common bills paid, including housing (rent/mortgage).
West Ossipee has the lowest cost of living in New Hampshire for household bills
West Ossipee is the most affordable place in New Hampshire, with residents paying $1,016 on average for household bills, accounting for 17% of annual income of $72,788. The Cost of Bills Index (COBI) for West Ossipee is 49, meaning the median cost of bills in this city is 51% below the national median.
West Stewartstown is the second most affordable city in New Hampshire, with residents paying $1,027 per month on average.
Also on the list of the 5 least expensive cities in New Hampshire are Glencliff ($1,261), Errol ($1,292) and North Stratford ($1,301).
5 Most Affordable New Hampshire Cities for Household Bills
| Rank | City | Median Income | Monthly Bill Expense Per Household | Cost of Bills Index (COBI) – Standard | % +/- Than the National Median | Percent of Household Income Used for Bills |
| 1 | West Ossipee | $72,788 | $1,016 | 49 | 51% lower | 17% |
| 2 | West Stewartstown | $64,688 | $1,207 | 58 | 42% lower | 22% |
| 3 | Glencliff | $44,350 | $1,261 | 61 | 39% lower | 34% |
| 4 | Errol | $61,429 | $1,292 | 63 | 37% lower | 25% |
| 5 | North Stratford | $50,586 | $1,301 | 63 | 37% lower | 31% |
*Household Bill Pay Expense medians shown above reflect the ten most common bills paid, including housing (rent/mortgage).
Some individuals might be considering moving from a more expensive city to a less expensive one. For those making such decisions, doxoINSIGHTS can be a valuable resource. It allows consumers to compare household expenses in New Hampshire with average bills in various cities and states nationwide.