pro & con home purchase nh vs ma with all tax considerations

Asked by Bwilliams213, Nashua, NH Sun Jan 13, 2013

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Tony, Agent, Bedford, TX
Sun Jan 13, 2013
very interesting question indeed. It could be a pro or it could be a con. Really, it could go either way for you.

Make a list , a pro and con list.

Then list all the pros on one side and all the cons on the other.

Then look at both sides.

How do you feel when you look at both sides? Which side of the list can you live with?

Things to put on the list:
1. what state you work in.
2. where is your car registered.
3. where do you shop.
4. what tax bracket are you in.
5. Anything else you can think of that may affect your income

This really works, try it and see.
0 votes
Dumb response
Flag Thu May 5, 2016
Stacey West, Agent, East Hampstead, NH
Sun Jan 13, 2013
If you live in New Hampshire, but work in Massachusetts, you will still pay Massachusetts income tax. The property tax increase you will see in NH on a modest home will be more than offset by the savings in car insurance you will realize when you move from an urban Massachusetts area. You will be able to buy more and bigger in NH. Having said all that, I prefer the quality of life in New Hampshire. I have lived in both states and when it was time to raise a family, I came back to New Hampshire. I think you need to decide what kind of life you want, run the numbers and ultimately make a decision you can live with from your heart.
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Erwin & McCa…, Agent, Bedford, NH
Sun Jan 13, 2013
It's a fairly easy decision, especially if you work in New Hampshire. Between not having a sales tax and state income tax you can save a lot of money. I think the proof is in the fact that Massachusetts's population has been declining and New Hampshire's hasn't. They don't jokingly call it "Taxachusetts's" for nothing.
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...however; groceries are higher in NH, and there is no state health care program should you lose or lapse in insurance. The job market has always been pretty stagnant in NH; it has no significant business or manufacturing bases, so you're either already wealthy, or you're in the service industry. Also, being a Republican state, there are few to zero protections for workers or tenants, compared to MA.

Property taxes are quite high in many areas of NH; it's how the state makes up for no income tax. ;)

NH is a Republican state; MA is a Democratic state.
Flag Sun Apr 28, 2013
Scott Godzyk, Agent, Manchester, NH
Sun Jan 13, 2013
It is easy, NH does not have an income or sales tax. You will see a slightly higher property tax bill which is far outweighed by the opportunity to buy a bigger home with a bigger lot at a better price than over the border. There are several types of neighborhoods if you are looking fo rthe city, suburban or rural areas, we have them all. You will find less traffic and less congestion and once again, just think of teh savings in income and and sales taxes.

Scott Godzyk
The #1 Trulia Agent in NH
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