Concord

Merrimack Countyβ€’Merrimack Valleyβ€’Population: 43,976

Overview

As New Hampshire's capital city, Concord serves as the state's political and administrative center while maintaining a welcoming, small-city atmosphere. Located in Merrimack County along the Merrimack River, Concord combines government employment with a diverse economy including healthcare, education, and manufacturing. The golden-domed State House, the nation's oldest state capitol with legislators meeting in their original chambers, anchors the historic downtown.

Concord offers cultural amenities uncommon in cities its size, including the Capitol Center for the Arts, the New Hampshire Historical Society, and the McAuliffe-Shepard Discovery Center honoring the Challenger astronaut and first teacher in space. Main Street features locally-owned shops and restaurants, while the city's neighborhoods offer a range of housing options from Victorian homes near downtown to newer developments on the outskirts.

The city's central location makes it an ideal base for exploring New Hampshire, with the Lakes Region, White Mountains, and seacoast all within an hour's drive. Concord's school system serves about 5,000 students, and the city is home to several colleges including NHTI-Concord's Community College. With lower housing costs than southern New Hampshire and a stable employment base, Concord attracts state workers, healthcare professionals, and families seeking a balanced lifestyle.

Pros & Cons

βœ“ Pros

  • β€’State capital
  • β€’Government jobs
  • β€’Good schools
  • β€’Safe neighborhoods

βœ— Cons

  • β€’Limited nightlife
  • β€’Smaller job market
  • β€’Cold winters

Cost of Owning Here

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

2025 Local Tax Rate
$29.11
per $1,000 assessed value
2025 Effective (Equalized) Rate
$17.90
Equalization ratio: 62%
Municipal
$10.18
Local School
$14.81
State Education
$1.58
County
$2.54

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.

7-Year Tax Rate History

YearTotal RateEffective RateMunicipalLocal SchoolState Ed.County
2025$29.11$17.90$10.18$14.81$1.58$2.54
2024$26.10$26.10$10.40$11.50$1.60$2.60
2023$25.50$25.50$10.10$11.20$1.60$2.60
2022$24.90$24.90$9.80$11.00$1.60$2.50
2021$24.40$24.40$9.60$10.70$1.60$2.50
2020$24.00$24.00$9.40$10.50$1.60$2.50
2019$23.60$23.60$9.20$10.30$1.60$2.50

Source: NH DRA

Example Tax Bills for 2025

Home ValueEstimated Annual TaxEstimated Monthly
$250,000$7,278$607
$350,000$10,189$849
$500,000$14,555$1,213
$750,000$21,833$1,819
$1,000,000$29,110$2,426

Estimates calculated using the 2025 local tax rate of $29.11 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
80.7Β°F
Winter Avg High
36.2Β°F
Annual Snowfall
50.4 in
Annual Rainfall
47.1 in
Sunny Days/Year
268
Data source: Open-Meteo / ERA5 β€’ Updated 7/3/2026

Transportation & Commute

Commute to Major Cities

Boston
68 mi
~81 min drive
Manchester
18 mi
~23 min drive
Portsmouth
60 mi
~73 min drive
Data source: OpenRouteService / OpenStreetMap β€’ Updated 7/3/2026

Safety & Crime

Safety Score
3/10
Crime Rate
23.76/1,000
Crime Trend
stable

Recreation & Outdoors

Outdoor Recreation Score
65/100
Trail Miles
71.8
0
Boat Launches
13
State Parks
17
0

Winter & Camping

Snowmobile Trails:11 miles
XC Ski Trails:1 miles
Campgrounds:17

Economy & Demographics

πŸ’°Income

Median Household Income
$77,874
Per Capita Income
$42,860
Median Family Income
$101,301

🏠Housing Costs

Median Home Value
$287,600
Median Rent
$1,163/mo
Homeownership Rate
57.23%

πŸ’ΌEmployment

Unemployment Rate
5.26%
In Labor Force
23,139
Work From Home
0.64%

πŸŽ“Education

Bachelor's Degree or Higher
21.42%
Total with Degree
6,976

πŸš—Commute

Work From Home
0.64%

πŸ‘₯Demographics

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

Compare Concord with Other Towns

See how Concord stacks up against other NH communities.