You ask, " how much lower than asking price should i offer in concord, manchester and hooksettarea of nh?
Looking at 3/4 bed 2/2.5 bath listing price ranging from $240 000 - 290 000, hardwd floor in LR?
And my answer is, how badly do you want to own the property?
One thing we do know, the seller will accept the full asking price.
If you want to offer a really low price be sure to ask your spouse, "how badly do we want to own the property we have seen, that we both like, and we could comfortably raise our children in"? Then ask. "what would we be able to afford to have a nearly perfect home?"
If you can afford the houses you are looking at, step up to the plate and offer the asking price, or something near asking. If you can't afford it, stop wasting the time of the agent, and stay where you are.
AND GET A BUYER'S AGENT, the service is free and your agent will navigate you through the mire of the purchase, and will help you craft an offer that may well be accepted.
It seems that you are a first time buyer. That may save you some money at the mortgage company. But your question is one that you need to deal with privately--and not ask the real estate community. The lower you go, the more you will insult the seller.
Good luck with your purchase.