Andover

Merrimack Countyβ€’Upper Valleyβ€’Population: 2,406

Overview

Andover sits in Merrimack County near the Lake Sunapee region, home to Proctor Academy, a private secondary school with a large campus along the Blackwater River. The town's rural character and school presence give it a distinct small-town identity.

Proctor Academy anchors much of the town's cultural and economic activity, while nearby Highland Lake and Ragged Mountain provide swimming, skiing, and hiking close to home. Andover's small downtown includes a handful of local businesses.

Housing in Andover ranges from historic village homes to rural properties, drawing families connected to Proctor Academy and residents seeking Lake Sunapee-area access at a more affordable price than towns closer to the lake itself.

Pros & Cons

βœ“ Pros

  • β€’Private academy
  • β€’Lake proximity
  • β€’Ski access
  • β€’Rural character

βœ— Cons

  • β€’Limited services
  • β€’Remote location
  • β€’Small population

Cost of Owning Here

Official property tax rates published by the NH Department of Revenue Administration, plus estimated tax bills for Andover.

2025 Local Tax Rate
$14.65
per $1,000 assessed value
2025 Effective (Equalized) Rate
$13.67
Equalization ratio: 93%
Municipal
$3.59
Local School
$8.58
State Education
$0.98
County
$1.50

Why "Effective Rate" is a better comparison

New Hampshire towns do not all assess property at the same percentage of market value. The state publishes an annual equalization ratio for every municipality showing how close local assessments are to full market value. A town that assesses homes at only 64% of market value will show an artificially high tax rate compared to a town that assesses at 100%. Multiplying the local rate by the equalization ratio produces an effective (equalized) rate that can be fairly compared across any two towns in the state.

YearTotal RateEffective RateMunicipalLocal SchoolState Ed.County
2025$14.65$13.67$3.59$8.58$0.98$1.50

Source: NH DRA

Example Tax Bills for 2025

Home ValueEstimated Annual TaxEstimated Monthly
$250,000$3,663$305
$350,000$5,128$427
$500,000$7,325$610
$750,000$10,988$916
$1,000,000$14,650$1,221

Estimates calculated using the 2025 local tax rate of $14.65 per $1,000 of assessed value. Actual tax bills depend on your property's specific assessed value and any exemptions or credits you may qualify for.

Climate & Environment

Summer Avg High
78.1Β°F
Winter Avg High
33.8Β°F
Annual Snowfall
60 in
Annual Rainfall
49.2 in
Sunny Days/Year
264
Data source: Open-Meteo / ERA5 β€’ Updated 7/3/2026

Transportation & Commute

Commute to Major Cities

Boston
91 mi
~117 min drive
Manchester
41 mi
~59 min drive
Portsmouth
82 mi
~109 min drive
Concord
23 mi
~39 min drive
Data source: OpenRouteService / OpenStreetMap β€’ Updated 7/3/2026

Safety & Crime

Safety Score
10/10
Crime Rate
4.57/1,000
Crime Trend
stable
Data source: FBI Crime Data Explorer (https://cde.ucr.cjis.gov/) β€’ Updated 8/12/2026

Recreation & Outdoors

Outdoor Recreation Score
48/100
Trail Miles
33.1
0
Boat Launches
3
State Parks
2
0

Winter & Camping

Snowmobile Trails:13 miles
XC Ski Trails:0 miles
Campgrounds:2

Economy & Demographics

πŸ’°Income

Median Household Income
$86,591
Per Capita Income
$45,139
Median Family Income
$108,914

🏠Housing Costs

Median Home Value
$307,300
Median Rent
$1,176/mo
Homeownership Rate
90.43%

πŸ’ΌEmployment

Unemployment Rate
3.2%
In Labor Force
1,095

πŸŽ“Education

Bachelor's Degree or Higher
17.94%
Total with Degree
292

πŸ‘₯Demographics

Median Age
45.9 years
Avg Household Size
2.32 people
Data source: Census ACS 2022 (5-Year) β€’ Census Data Year: 2022 β€’ Updated 7/3/2026

Condo Communities in Andover

one registered condo association β€” offering active low-maintenance living options.

Source: Merrimack County Audit - AI Discovery (data as of August 2026)

Compare Andover with Other Towns

See how Andover stacks up against other NH communities.