New Hampshire has no state income tax on wages, so a New Hampshire paycheck only loses federal income tax and FICA (Social Security and Medicare). Use the calculators below to see your exact 2026 take-home pay in New Hampshire, check the sales tax on a purchase, and estimate a mortgage payment with New Hampshire property taxes factored in.
State Paycheck Calculator 2026
Estimate take-home pay after federal tax, FICA and your state’s income tax for the 2026 tax year.
How it works: the 2026 federal standard deduction ($16,100 single, $32,200 married filing jointly) comes off your salary first, then the 2026 federal brackets (10%–37%). FICA is applied properly: 6.2% Social Security on the first $184,500 of wages (2026 wage base), 1.45% Medicare on all wages, plus 0.9% additional Medicare on wages above $200,000 single / $250,000 married filing jointly. State tax applies each state’s own standard deduction/exemptions, then its brackets or flat rate. Local income taxes are not included — many cities and counties (e.g. New York City, Philadelphia, most of Ohio, Maryland counties, Indiana counties, Kentucky) levy their own payroll taxes on top of the state tax.
New Hampshire sales tax calculator
New Hampshire has no statewide sales tax in 2026 — the state base rate is 0%. A few local areas may still add their own small tax; enter it as the local add-on if yours does.
Sales Tax Calculator 2026
Estimate the sales tax and total price using each state’s base rate (2026), plus any local add-on.
State base rates are the 2026 state-level rates (local add-ons excluded). Actual combined rates vary widely by city and county — many localities add 1–5%. Five states have no statewide sales tax (Alaska, Delaware, Montana, New Hampshire, Oregon), though some localities still levy local taxes.
Mortgage calculator for New Hampshire homes
The average effective property tax rate in New Hampshire is about 1.66% of a home’s value per year. When you use the mortgage calculator below, enter roughly that percentage of the home price in the yearly property tax field for a realistic New Hampshire monthly payment.
Mortgage Payment Calculator
Work out your monthly principal & interest payment, total interest and the true total cost of your loan.
How it works: your loan amount (price minus down payment) is repaid in equal monthly instalments using the standard amortisation formula, so early payments are mostly interest and later ones mostly principal. Property tax and insurance, if entered, are simply spread evenly across each month. Your actual rate and payment will depend on your lender, credit profile and the deal you choose.
No income tax on your wages. No sales tax at the register. New Hampshire is the only state in America that manages both at once — and it makes up the money in a way you’ll feel exactly once a year, when the property tax bill lands. At 1.66% on average, New Hampshire property taxes are the fourth-highest in the country. That single fact is basically the whole New Hampshire tax story.
Income tax in New Hampshire in 2026
New Hampshire doesn’t tax wages or salaries. It never really has — but until recently it did tax investment income, which confused plenty of newcomers. That’s gone now. The old 3% tax on interest and dividends was fully repealed effective January 1, 2025, so if an older guide tells you New Hampshire has an income tax, it’s out of date.
What’s left is narrow. There’s a business profits tax on companies, and an 8.5% rooms and meals tax that hits hotel stays and restaurant bills. Neither comes out of a paycheck. So on a salary, your state income tax is $0 at every income level — no brackets, no deduction, no state withholding.
The catch is where the burden moved. A state has to fund itself somehow, and New Hampshire chose property. Towns set their own rates, and because there’s no broad-based tax to share the load, those rates are steep.
Worked example: $75,000 salary, single filer
Step 1 — Federal tax. $75,000 − $16,100 standard deduction = $58,900 taxable, which works out to $7,670.00 for 2026.
Step 2 — FICA. Social Security and Medicare together take $5,737.50 — 6.2% and 1.45% respectively, applied from the first dollar.
Step 3 — New Hampshire tax. $0.00. There’s no state line on the payslip.
Step 4 — Take-home pay. $75,000 − $7,670.00 − $5,737.50 = $61,592.50 a year, about $2,368.94 every two weeks. Hold that figure up against Massachusetts, right next door: a comparable salary there hands the state real money every single payday, which is exactly why so many Massachusetts workers live on the New Hampshire side of the border and commute down.
Sales tax in New Hampshire
Zero. New Hampshire has no general sales tax — not a low one, none. A $1,000 laptop costs $1,000 at the register, which is why shoppers from Massachusetts and Maine cross the border for big purchases and why the outlet stores cluster near the state line.
The exceptions are specific, not general: the 8.5% rooms and meals tax on hotels and prepared food, plus the usual excise taxes on things like fuel and tobacco. Groceries, clothes, electronics — untaxed. The sales tax calculator on this page will happily confirm the math: the rate is 0.00%.
Property tax in New Hampshire
And now the bill. At an average effective rate of 1.66%, a $300,000 home costs about $4,980 a year in property tax — nearly $2,500 more than the same house would draw in neighboring Maine or Vermont at their average rates, and your town’s actual rate can sit well above the state average.
Rates vary enormously by town because each town funds its own schools and services from its own tax base. Two identical houses twenty minutes apart can carry bills thousands of dollars apart. If you’re house-hunting in New Hampshire, the town’s tax rate matters as much as the asking price — check it before you fall in love with a kitchen.
Frequently asked questions
I live in New Hampshire but work in Massachusetts. Do I pay Massachusetts tax?
Yes — Massachusetts taxes income earned in Massachusetts, wherever you live. New Hampshire’s zero rate protects New Hampshire-source income only. Plenty of border commuters learn this the hard way in their first April.
Is it true New Hampshire has no tax on investment income anymore?
True. The interest and dividends tax was repealed in full from January 1, 2025. Before that, it charged 3% on interest and dividend income above a small exemption.
Why are property taxes so high?
Arithmetic. No income tax and no sales tax means local services — schools above all — are funded almost entirely from property. The money has to come from somewhere, and in New Hampshire it comes from homeowners.
Does New Hampshire tax pensions or Social Security?
Neither. With no wage or investment income tax left, retirement income is untouched by the state as well.
Run your own salary through the calculator at the top of this page — the state line will read $0, and it’ll be telling the truth. Then try the mortgage calculator and remember to budget that property tax bill into the monthly payment.
These calculators are for guidance only and aren’t financial advice.