Housing Market Analysis · 2026

Rent vs Buy in Laconia, NH

Local prices pre-filled. Adjust any input to match your situation.

Median Home Price $489,854
Median Rent $1,834/mo
Price-to-Rent Ratio 22x
YoY Price Change +2.8%
Income Needed $0K

Should you buy in Laconia?

Price-to-Rent Ratio

22x — leans toward renting

With a ratio of 22, the math in Laconia, NH currently leans toward renting unless you expect strong home appreciation or plan to stay 10+ years.

Monthly Cost Gap

Buying currently costs roughly $1,703 more per month than renting the median unit in Laconia, NH. That gap is the "opportunity cost" renters can invest — which is why the breakeven point matters so much here.

Price Trends

Prices in Laconia, NH grew 2.8% over the past year — modest but steady appreciation that generally supports long-term buying decisions.

Affordability

With an income threshold of $0K, Laconia, NH is among the more accessible markets for first-time buyers — though the decision still hinges on how long you plan to stay.

Interactive Calculator — Laconia Pre-filled

Values are set to Laconia, NH medians. Change anything to match your scenario.

At 10 years

Renting wins by $188K

No breakeven in selected timeframe.

Home Purchase
$
%
%
%
$
%
$
Rent & Growth Assumptions
$ /mo
%
%
%
%
%
Down Payment$97,971
Closing Costs$14,696

Monthly Cost (Year 1)

Buy $3,537
Rent $1,834
Mortgage$2,555
Tax$449
Insurance$125
Maintenance$408

Wealth Over Time

Buyer Wealth $314,843
Renter Wealth $503,125
Breakeven No breakeven
YearBuyerRenterWinner
1$89K$142KRent
2$110K$173KRent
3$132K$206KRent
4$155K$241KRent
5$179K$278KRent
6$204K$318KRent
7$230K$360KRent
8$257K$405KRent
9$285K$452KRent
10$315K$503KRent

Common Questions — Renting vs Buying in Laconia

Other NH Markets to Compare

See how the rent-vs-buy math stacks up in other NH cities.