PROPERTY TAX · SOUTHERN NEW HAMPSHIRE
What you will actually pay in property tax, by town.
Eight Southern NH towns, three sample home values, and the mill rate behind each bill. Type in your number, pick a town, and see the real dollars. No account, no callback queue.
TL;DR · THE 30-SECOND ANSWER
What is the property tax rate in Salem NH versus Windham and Derry?
In Salem NH, the 2024 certified property tax rate is about $17.85 per $1,000 of assessed value. On a $500,000 home that is roughly $8,925 per year. Windham sits higher at about $19.42 per $1,000 (roughly $9,710 on a $500K home), and Derry is the highest of the three at about $26.18 per $1,000 (roughly $13,090 on a $500K home). Full table for all eight Southern NH towns is below.
INTERACTIVE CALCULATOR
Plug in a home value. Pick a town. See the bill.
Optional: enter your current Massachusetts home value on the right to compare against a typical MA property tax bill.
Uses a MA effective property-tax rate of 1.42% for a rough comparison. [DEMO COPY - estimates]
Estimated annual property tax
$8,925
Salem, NH at 17.85 mill rate on $500,000.
Monthly escrow
$744
Mill rate (2024)
17.85
FULL COMPARISON
Annual property tax, all eight towns.
Sample bills at three common price points across the Karyn Emerson service area. Rows alternate for readability. Numbers set in JetBrains Mono for quick column scanning.
| Town | Mill rate | $500K home | $750K home | $1M home |
|---|---|---|---|---|
| Salem, NH | 17.85 | $8,925 | $13,388 | $17,850 |
| Windham, NH | 19.42 | $9,710 | $14,565 | $19,420 |
| Derry, NH | 26.18 | $13,090 | $19,635 | $26,180 |
| Londonderry, NH | 18.62 | $9,310 | $13,965 | $18,620 |
| Pelham, NH | 20.74 | $10,370 | $15,555 | $20,740 |
| Atkinson, NH | 16.95 | $8,475 | $12,713 | $16,950 |
| Hampstead, NH | 18.10 | $9,050 | $13,575 | $18,100 |
| Plaistow, NH | 22.05 | $11,025 | $16,538 | $22,050 |
[DEMO COPY - confirm 2025 NH muni data]. Mill rates shown are the most recent certified figures from the NH Department of Revenue Administration. Assessments reflect each town's current equalization ratio.
EXEMPTIONS & CREDITS
Seniors and veterans, what to ask for.
Every NH town offers an elderly exemption (amount varies by age bracket, with income and asset caps) and a veteran tax credit. Below are the typical figures. Each town's assessing office is the final word. Apply in the year you turn 65, not after.
Salem
Senior exemption
$125,000
Age 65+
Veteran credit
$500
Highest commercial base in the service area. Tuscan Village and Canobie Lake sit here.
Windham
Senior exemption
$165,000
Age 65+
Veteran credit
$500
Highest median sale price in service area (~$732K). Windham HS district is a draw.
Derry
Senior exemption
$95,000
Age 65+
Veteran credit
$500
Highest mill rate in the service area. Pinkerton Academy, Hood Park, and downtown Derry sit here.
Londonderry
Senior exemption
$120,000
Age 65+
Veteran credit
$500
Woodmont Commons development has lifted the base. Strong schools, Exit 4 commuter access.
Pelham
Senior exemption
$100,000
Age 65+
Veteran credit
$500
Border town with MA. Route 38 corridor, quieter than Salem, strong resale on ranches.
Atkinson
Senior exemption
$115,000
Age 65+
Veteran credit
$500
One of the lower mill rates in the service area. Timberlane Regional schools.
Hampstead
Senior exemption
$110,000
Age 65+
Veteran credit
$500
Big Island Pond, Island Pond, and Wash Pond. Lake-adjacent inventory is a feature.
Plaistow
Senior exemption
$90,000
Age 65+
Veteran credit
$500
Route 125 corridor, Timberlane schools, easy access to I-495 and 95.
[DEMO COPY - confirm 2025 NH muni data]. Exemption amounts and age tiers vary by town and are adjusted by warrant vote. Always confirm current figures with the town assessing office.
METHODOLOGY
How these numbers are calculated.
Annual property tax is computed as home value divided by 1,000, multiplied by the town mill rate. For a $500,000 home in a town with a 20.00 mill rate, the estimated annual bill is $10,000. Monthly escrow is that number divided by twelve.
Mill rates update annually after the NH Department of Revenue Administration certifies the equalization ratio for each town. Data on this page is current as of [DEMO COPY - confirm] 2024 certified rates. Ask me for a live pull before you offer on a home.
This calculator is a planning tool, not a commitment. Final property tax depends on your final assessed value, any exemptions you qualify for, and the next town meeting warrant.
ONE MORE STEP
Before you offer, let us run the real numbers.
I will pull the current assessment, check your eligible exemptions, and walk you through the full annual cost of ownership. Fifteen minutes, zero pressure.