Cost of Living in New Hampshire for a Family of Four (2026)
A family of four in New Hampshire needs about $8,142 a month ($97,708 a year) to cover a typical household budget before saving. That is 5% above the U.S. average of $7,777 and ranks #12 of 51, where #1 is the most expensive.
Rent is the main reason it costs more. New Hampshire's rent level is 115% of the national average, so a typical three-bedroom rental with utilities runs about $2,333 a month, compared with $2,030 nationally. Everyday goods such as groceries and clothing cost 1% less than the national average, which puts this family's grocery bill at about $1,028 a month on the USDA low-cost food plan.
To cover this budget and still save 15% of take-home pay, a family would need about $9,579 a month after taxes ($114,951 a year).
Monthly budget in New Hampshire by household
The family is two parents aged 38 and 40 with children aged 9 and 4, the youngest in paid childcare, renting a three-bedroom home. The couple is two adults aged 35 and the single adult is 30, each renting a one-bedroom home.
| Category | Family of four | Couple | Single adult |
|---|---|---|---|
| Housing & utilities | $2,333 | $1,526 | $1,526 |
| Groceries | $1,028 | $643 | $351 |
| Dining out & takeout | $257 | $161 | $88 |
| Transportation | $1,211 | $1,211 | $606 |
| Health care | $727 | $478 | $239 |
| Childcare | $1,144 | $0 | $0 |
| Phone & internet | $155 | $155 | $115 |
| Clothing | $215 | $152 | $107 |
| Household & personal care | $249 | $176 | $124 |
| Entertainment & hobbies | $415 | $294 | $208 |
| Gifts, giving & other | $408 | $289 | $204 |
| Total per month | $8,142 | $5,083 | $3,567 |
| Total per year | $97,708 | $60,996 | $42,801 |
Estimates for 2026 from LifeCalculator's family budget model: BEA Regional Price Parities by state (2024, released February 2026), USDA Food Plans: Cost of Food at Home (August 2026, low-cost plan), BLS Consumer Expenditure Survey (2024), Census median gross rent (2024) and Child Care Aware of America (2025). Figures from 2024 are adjusted by about 5% for price changes since. Savings and income taxes are not included.
What moves the number
- Childcare. Paid care for the 4-year-old adds about $1,144 a month. Without it, the family budget falls to about $6,998.
- Housing. The figure assumes renting at the state's typical level. Rents in big cities run well above the state average, and rural areas well below it.
- Cars. Transportation assumes typical costs for two drivers, including a car payment. Families with paid-off cars spend less.
- Price level. Overall, prices in New Hampshire are 4% above the national average (BEA all-items index 104.2).
States with similar costs
- Colorado: $8,335 a month (#9)
- Florida: $8,233 a month (#10)
- Oregon: $8,163 a month (#11)
- Connecticut: $8,126 a month (#13)
- Virginia: $7,945 a month (#14)
- Nevada: $7,938 a month (#15)
See all 50 states and D.C. on the cost of living by state page, or read what it costs a family of four to live in every state.
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