Home Equity in New Hampshire: How Much Can You Cash Out? (2026)
With New Hampshire's median value near $475,000 and a typical $261,000 balance, homeowners can access about $142,750 at 85% combined LTV — through a HELOC, a fixed home equity loan, or a cash-out refinance.
New Hampshire home values have climbed, so your accessible equity may be larger than you expect — up to the 85% CLTV line.
Accessible equity by New Hampshire county
| County | Est. Value | Equity at 85% CLTV |
|---|---|---|
| Hillsborough County | $475,000 | $142,750 |
| Rockingham County | $475,000 | $142,750 |
| Merrimack County | $475,000 | $142,750 |
| Strafford County | $475,000 | $142,750 |
| Grafton County | $475,000 | $142,750 |
| Cheshire County | $475,000 | $142,750 |
| Belknap County | $475,000 | $142,750 |
| Carroll County | $475,000 | $142,750 |
| Sullivan County | $475,000 | $142,750 |
| Coos County | $475,000 | $142,750 |
How to tap equity in New Hampshire
Start with your numbers: home value minus what you owe, capped at 85% of value. Then pick the tool — a revolving HELOC for flexible access, a fixed home equity loan for a lump sum, or a cash-out refinance if a new first-mortgage rate beats your current one. Compare two or three lenders, since margins and fees vary.
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Frequently Asked Questions
- How much home equity can I tap in New Hampshire?
- On a $475,000 home with a $261,000 balance, about $142,750 at 85% CLTV. Your exact limit depends on the lender, your credit, and the appraisal.
- Is a HELOC or cash-out better in New Hampshire?
- If your first mortgage rate is low, a HELOC or home equity loan is usually cheaper because it keeps that rate. A cash-out refinance only wins when today's rate beats your current one.