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Effingham, NH Utility & Living Guide
Utilities, housing, taxes, cost of living, and local insights — everything residents and families need.
Monthly Utility Costs
$150/mo
—
$50/mo
$30/mo
$70/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1100/mo |
| 2 Bedrooms | $1400/mo |
| 3 Bedrooms | $2000/mo |
| Median Home Price | $280,000 |
| Property Tax Rate | 1.8% |
| Avg Childcare/mo | $1200 |
The housing market in Effingham is relatively affordable, with a mix of older and newer homes available. Rentals are scarce, and prices may vary depending on location and amenities. The town has seen some new construction in recent years, but overall, the market remains competitive.
Cost of Living
118
+18% above national average
105
92
102
$1200
Tax Rates
| Tax Overview | |
|---|---|
| Property Tax Rate | 1.8% |
| <p>State 0% + No County tax + No City tax</p> | |
New Hampshire has no state income tax, but taxes dividends and interest income at 5%
Family & Relocation
60
7.2/10
$1200/mo
City Pulse
Public transit is limited, but the town's compact center is walkable and stroller-friendly
- Effingham Town Forest
- Province Lake
- Ossipee Lake
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Effingham based on your household profile.
📰 Live Local News
Residents are subject to town ordinances regarding zoning, noise, and waste management
Financial Tools
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
Find Another City Guide
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📊 Effingham — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Utility costs in Effingham fluctuate significantly with the seasons, with higher electricity bills in summer due to air conditioning and higher heating oil costs in winter. Residents can expect to pay around 20-30% more for utilities during the peak winter months.
🏛️ Local Tax Details
The town's property tax millage rate is around 20-25 mills, with no local surtaxes
👶 Family & Stroller Friendliness
Score 6/10: Effingham has decent sidewalk quality and park access, but limited elevator access in transit and some infrastructure challenges for families with strollers
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