17 HONEST Pros & Cons of Living in New Hampshire (+ Forum)

Pros of Living in New Hampshire

1. No Income Tax

One of the major benefits of living in New Hampshire is that it’s one of nine states without an income tax. It’s a point of pride for us longtime Granite Staters.

Having no state income tax means that you get to keep more of your hard-earned money. Unlike some other nearby states like New York that take a hefty chunk of your income, in New Hampshire, you get to enjoy the fruits of your labor without Uncle Sam reaching so deep into your wallet.

This tax policy is a big draw for folks considering a move to New Hampshire, and it’s a big reason why folks choose to stay. It’s especially attractive to retirees on fixed incomes, who find that their pensions and Social Security aren’t subject to state income tax either.

No state income tax and no sales tax. Funded by property taxes, which are among the highest nationally.

New Hampshire has no state income tax and no state sales tax. Property taxes are among the highest in the nation (averaging 2.09%) to make up the difference. On a $400,000 home, that’s $8,360 per year.

2. No Sales Tax

Yep, you read that right – no income tax AND no sales tax. How does the state get its money you might wonder. Well, let’s not spoil the good time we’re having. We’ll get to that later. But for now, let’s bask in the fact that living in New Hampshire has some serious tax advantages.

New Hampshire is one of just five states that doesn’t have a sales tax and one of only two states that doesn’t have a sales tax or an income tax. Imagine the savings!

I lived in New York for a few years and talk about a tax bill. Living in New Hampshire I save upwards of 15% every year compared to if I still resided back in New York. That adds up fast.

3. Top Notch Education System

If you’re like me and the thought of ponying up the dough to send your kid to private school so they can get a decent education keeps you up at night, well I’ve got great news in that department.

New Hampshire has the second best public school system in the country which means you can save that money for college (or a boat) rather than private school.

But for those financially inclined to go the private school route, you’re in luck too. New Hampshire is home to some of the best private schools in the world including the top rated private school in America, Phillips Exeter Academy.

Safe to say we’ve got the education thing down pretty well.

4. Access to Beautiful Nature

My personal favorite part of living in New Hampshire is the amazing access to the beautiful nature we’ve got here. We really have it all, from the majestic White Mountains to the picturesque Lakes Region, and let’s not forget about our stunning coastline.

The White Mountains are a playground for all outdoor enthusiasts. If you’re into hiking, skiing, or just taking in the breathtaking views, this place has you covered. The trails are endless, and the scenery is out of this world.

Now, the Lakes Region is a whole different kind of paradise. We’ve got gems like Winnipesaukee, Squam, and Sunapee – crystal-clear lakes that offer boating, fishing, and some seriously relaxing lakeside vibes.

Then there’s the New Hampshire coastline. It might not be the longest, but it’s charming as heck. You’ve got sandy beaches, cute little coastal towns, and fresh seafood that’s to die for.

And let’s not forget the fact that lush forests cover 80% of the state, giving us some epic fall foliage and more.

5. Ski Season

If you’re a ski enthusiast, living in New Hampshire is a dream. The White Mountains offer some of the best slopes in the Northeast. Take Loon Mountain and Bretton Woods, for example. They cater to all levels, and the views are just stunning.

But the experience doesn’t end when you step off the skis. The après-ski scene here is strong and varied. After a day on the slopes, we like to gather in cozy lodges and local pubs, sharing stories and warming up by the fire.

Events like the New Hampshire Winter Carnival really bring the community together, celebrating our love for the sport. And the state’s investment in ski areas, like the recent upgrades at Cannon Mountain, shows a real commitment to keeping the skiing experience top-notch.

6. Autumn is Spectacular

Living in New Hampshire, the fall foliage season is something you look forward to every year. The state transforms into a canvas of lively colors, with the White Mountains putting on an incredible display. The mix of maple, oak, and birch trees create a kaleidoscope of reds, oranges, and yellows that’s simply breathtaking.

It’s not just about seeing the leaves from your backyard. The scenic drives, like the Kancamagus Highway, offer some of the most iconic fall views in the world.

Places like North Conway and Hanover become even more charming. There’s a sense of community with local fall festivals, farmers’ markets brimming with autumn harvests, and cozy cafés serving pumpkin-flavored treats.

What would you add to this list? Tell us in the comments.

7. Inexpensive Groceries

Believe it or not, New Hampshire has the cheapest groceries in the nation. While other costs here are quite high (more on that below), groceries are surprisingly affordable. This is a huge benefit for residents, especially in a time when costs seem to be rising everywhere else.

Part of the reason for this affordability is New Hampshire’s lack of a sales tax. Plus, the state’s support for local agriculture means you often get fresh, locally-sourced produce at great prices. Farmers’ markets are a big deal here, and they’re a great way to buy fresh and support local farmers.

8. New Hampshire Is Safe

New Hampshire is ranked the third safest place to live in America with impressively low crime rates.

We’re talking really low numbers especially for violent crimes compared to other states. But, it’s about more than just numbers.

It’s the vibe you get living here. People know their neighbors. We look out for each other, and that creates a sense of community that’s hard to beat. It’s the kind of place where parents are okay with their kids playing outside, and you feel comfortable taking a stroll in the evening.

This sense of security, it’s a big part of what makes living New Hampshire special. If you’re raising a family, setting up a new business, or just living your life, there’s this underlying peace of mind that comes with knowing you’re in one of the safest states in America. And that’s pretty priceless.

9. Charming Towns

New Hampshire’s charm is really encapsulated in its towns, each with its unique character and appeal. Portsmouth, for instance, is my favorite of the bunch.

It’s a quaint coastal town that perfectly blends historical charm with a lively contemporary scene. Walking through downtown Portsmouth, you’re struck by the well-preserved colonial architecture, but it’s the busy restaurants, indie shops, and art galleries that add a modern twist.

Then you’ve got places like Hanover, with its college town energy, and North Conway set against the backdrop of the White Mountains, offering that quintessential New England feel.

These towns offer a sense of community that’s hard to find in bigger cities. It’s about local coffee shops where baristas know your order, farmers’ markets with fresh local produce, and community events that bring everyone together.

Cons of Living in New Hampshire

1. Sky High Property Taxes

The amazing tax situation had to give somewhere, right? Well, this is the place. Folks moving to New Hampshire might find some sticker shock their first year paying property taxes.

New Hampshire has the third highest property taxes in the country paying 2.18% per year. Ouch.

The trade-off for no income and sales tax is significant. New Hampshire’s average property tax rate of 2.09% means a $400,000 home costs $8,360 per year in property tax alone. Towns fund schools this way.

2. Wicked High Cost of Living

One of the things you’ve gotta reckon with living in New Hampshire, especially if you’re a longtime local like me, is the high cost of living. It’s wicked expensive, I’ll tell ya that much.

Electric bills here are brutal – the eighth highest in the nation.

I love this state, don’t get me wrong. But the high cost of living in New Hampshire, well, that’s a thorn in the side of even the most die-hard Granite Stater. So, if you’re thinking about moving to New Hampshire, just be ready to dig deep, my friend.

Statewide median home around $470,000. The southern tier near Boston is especially pricey.

The median home in New Hampshire sits around $430,000. The southern part near the Massachusetts border (Nashua, Salem) is most expensive due to Boston commuters seeking tax advantages.

3. Seriously Lacking in the food Department

Yeah this one makes no sense to me but alas I’m just going to say it – the food in New Hampshire sucks. I know that’s probably going to get some nasty comments going here but let’s call a spade a spade.

Don’t believe me? Well, New Hampshire was recently rated as the 4th worst food state in the country.

I mean I’ve been into so many different restaurants and after taking that first bite just say to myself “what in God’s name happened back there?” It’s one of the most disappointing cons of living in New Hampshire for sure.

I guess the silver lining is that I save a lot of money by cooking practically all of my meals at home.

4. Ticks + Lyme Disease

Now we’re really getting into the scary stuff. One of the major downsides of living in New Hampshire is the serious issue of ticks and the risk of getting Lyme disease – it just can’t be understated.

It’s a significant concern for everyone here. Tragically, we all know plenty of folks who have contracted Lyme. Unfortunately, New Hampshire has some of the highest rates of Lyme disease in America.

Ticks, especially deer ticks, are prevalent in the state’s many wooded and grassy areas, and they’re the primary carriers of Lyme disease. This bacterial infection is no small matter; it can lead to serious and long-lasting health problems if not caught and treated early.

The rise in tick populations over the years has only amplified these concerns. Folks here are increasingly vigilant.

Thinking about moving to New Hampshire? Ask your questions in the comments.

It’s not just about taking precautions like using repellents or dressing protectively. There’s a real need for constant awareness, If you’re hiking in the White Mountains or just enjoying a picnic in your backyard.

5. Harsh Winters

If you last your first winter you might just make it living in New Hampshire.

New Hampshire winters – think Siberia with scenery. Snow’s a siege, not a sprinkle. Cold’s a bone-deep whisper. Isolation? Cabin fever’s your bestie.

But we Granite Staters? We shovel, we layer, we grit. Spring’s a victory lap, a frozen hell thawed. Brutal? Hell yeah. But it makes us who we are. Come prepared, come strong. This ain’t Hallmark, folks. here we go.

Northern NH averages 100 inches of snow. Below-zero temps are routine December through February.

Mount Washington holds the record for the highest wind speed ever recorded in North America at 231 mph. The state averages 60+ inches of snow. January lows regularly drop below zero in the northern part.

6. Lack of Jobs

New Hampshire’s beauty runs deep, but its job market can be a shallow pool. Don’t get me wrong, the state has stunning mountain ranges and charming small towns. But for many residents, finding stable, fulfilling work can feel like climbing Mount Washington blindfolded.

Numbers speak volumes:

• Job gap: New Hampshire faces a projected gap of 197,000 open jobs and only 6,100 in projected labor force growth over the next decade.
• Worker shortage: With only 35 available workers for every 100 open jobs, the state faces a severe worker shortage, making it even harder to fill existing positions.
• Rising costs: New Hampshire’s living costs are on the rise, while wages haven’t kept pace, making it difficult for many residents to make ends meet.

The result? A tough reality for many. Young talent migrates elsewhere for better career prospects, while others struggle to find jobs that offer decent pay and benefits. It’s a beautiful place to live, but can be a struggle to thrive without economic opportunity.

7. Leaf Peeping Tourists

New Hampshire’s fiery fall foliage, a breathtaking spectacle that draws tourists like moths to a flame, can feel like a double-edged sword for locals. While the economic boost is undeniable, the sheer volume of leaf peepers can be overwhelming.

Imagine narrow roads morphing into gridlocked parking lots, with wait times doubling or tripling. Forget a leisurely weekend drive; prepare for bumper-to-bumper frustration.

Quaint towns, usually bursting with charm, struggle to accommodate the influx, with overflowing parking, packed restaurants, and scarce lodging. “No Vacancy” signs become the norm, leaving locals feeling like strangers in their own land.

The environmental impact isn’t lost on residents either. Increased traffic and waste generation take their toll. Favorite spots become inaccessible, routines disrupted, and the sense of belonging lost in the sea of unfamiliar faces.

8. Lack of Diversity

Living in New Hampshire, the lack of diversity is something you notice. We’re a very homogenous state, mostly white, and it’s a contrast if you’re used to more varied cultural landscapes.

In fact, New Hampshire is the 3rd least varied state in the US. Yikes.

Sure, people here are friendly, but if you’re craving the cultural richness and varied perspectives that come from a mixed population, it will feel sorely lacking. You miss out on different cultural experiences, foods, and celebrations.

New Hampshire’s a great place in many ways, but diversity isn’t its strong suit. If you thrive in a multicultural setting, this aspect of life here might feel a bit too narrow.

FAQ – Living in New Hampshire

Things to Know About Living in New Hampshire

1. No income tax
2. No sales tax
3. Top notch education system
4. Access to beautiful nature
5. Ski season
6. Autumn is spectacular
7. Inexpensive groceries
8. New Hampshire is safe
9. Charming towns
10. Sky high property taxes
11. Wicked high cost of living
12. Seriously lacking in the food department
13. Ticks + Lyme disease
14. Harsh winters
15. Lack of jobs
16. Leaf peeping tourists
17. Lack of diversity

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Final Thoughts on Living in New Hampshire

Living in New Hampshire comes with real tradeoffs. You’re going to love some things about it and genuinely dislike others. That’s true of everywhere, but it’s worth being honest about it before you sign a lease or close on a house.

My advice: visit during the worst time of year, not the best. If you can handle New Hampshire at its least charming, you’ll do fine here.

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