Before you buy a building near a water body in New Hampshire, you need to know that it’ll be a bit different from when you purchased your ordinary house. And by “different”, we mean more regulations. If you haven’t picked it up yet, we’re mostly referring to the New Hampshire Shoreland Water Quality Protection Act ratified in 1991.

Now we know, no one likes it when rules interfere with their plans. But to be fair, the state intends to protect its fragile shorelands from artificial impoundment, which happens to affect waterfront home ownership. Add to that the other regulations and the unbalanced supply and demand, and you see how challenging it is to buy a waterfront home in New Hampshire nowadays. Anyhow, let’s not get carried away because there’s more to buying a waterfront home in NH, and in this article, we’ll go through it all, so stick around!

Why New Hampshire Stands Out

When you think of retirement, you probably don’t think much about New England, where the weather is cold and living costs are high compared to sunnier states like Florida and Hawaii. However, New Hampshire is often ranked highly among the best states to live, work, and retire. It’s sometimes called the “Switzerland of America” because of the quiet yet affluent lifestyle you can develop there.

But why is the Granite State so highly regarded? Let’s look at a few points: taxes, landscape, leisure, and safety.


Unlike most New England and Northeastern USA states, New Hampshire is tax-friendly, especially for retirees. For reference, there’s no income tax on salaries or pensions, no sales tax, no inheritance tax, and no tax on any social security benefits. Property taxes can be high in New Hampshire. See which towns have the lowest property taxes.

Although the cost of living in New Hampshire is above average, the money you’ll save from taxes balances that out.


When it comes to geography, New Hampshire has it all – coasts, blue lakes, sandy lakes, pristine ocean beaches, hills, and white mountains up to 6,000 feet tall. All that in the 5th smallest state at less than 10,000 square miles. New Hampshire is divided into seven regions, so let’s talk a little about each of them.

Seacoast Region

The Seacoast Region is where New Hampshire’s 18-mile coastline is. Here you’ll find great summertime joy along beautiful beaches with many maritime activities.

Merrimack Valley Region

If you’re looking for bustling cities with lively activities, then check out Merrimack Valley, which has some of the biggest cities in New Hampshire, including Concord and Manchester.

Monadnock Region

Home to the popular Monadnock Mountain and its various hiking activities, the scenic Monadnock Region has no shortage of invigorating activities and festivals. And being so close to several universities makes Monadnock an excellent place for your children.

Dartmouth-Lake Sunapee Region

If various outdoor adventures sound like your thing, the Dartmouth-Lake Sunapee region is the place to go. Here, you can enjoy hiking, snowmobiling, skiing, and lake activities.

Lakes Region

Home to more than 250 lakes, the Lakes region is where you go to unwind by a calm lake while you sit back and enjoy a drink. But there’s more to it than lakes – popular mountain ranges and festivals can fill up your time.

White Mountains Region

The White Mountains region is famous for its Swiss Alps-like appearance. The highest point in New England, Mount Washington, lies here at nearly 6,300 feet above sea level.

Great North Woods

The Great North Woods region is characterized by its vast open spaces, picturesque woods, and breathtaking waterfalls, a goldmine for nature lovers.


The versatile climate and geography in New Hampshire allow for varied leisurely activities. Within the 9,300 square miles that make up New Hampshire, you’ll find more than a dozen ATV spaces, ski resorts, fishing spots, and mountains in all heights for an enjoyable hiking experience. And the best part? As New Hampshire is small, nothing is farther away than a 30-minute drive from wherever you are.


Considering New Hampshire has the third-lowest violent crime rate (behind its neighbor Maine) and the lowest property crime rate in the USA, we can say that the Granite State is one of the safest states to live in.

The Main Challenges in 2021

The market for waterfront homes in New Hampshire is facing a few challenges in 2021. In this section, we’ll talk about the two primary challenges: the unbalanced supply and demand and the upcoming flood insurance changes, which affect the buyers and sellers.

The Unbalanced Supply and Demand

Most markets experience highs and lows, and we can say that the waterfront homes market in New Hampshire has been experiencing a historic low since the COVID-19 pandemic outbreak in March 2020. The main problem right now is the unbalanced supply and demand. There’s more demand than supply, which means that homeowners looking to sell their waterfront homes have the upper hand when making a deal.

“What’s the result of this imbalance?” we hear you ask.

For starters, most sellers list their homes for unreasonably high prices. On the other hand, reasonably priced homes are bought almost instantly after being spotted and inspected by clever agents. Moreover, there’s a third category – reasonably priced homes with a good-looking listing that have been up for sale for more than a week. At first glance, these bargain listings may look like an attractive opportunity. Still, you have to be careful as these often have hidden flaws that the seller didn’t disclose because the average buyer isn’t savvy enough to notice them.

The Upcoming Flood Insurance Changes

The Federal Emergency Management Agency (FEMA) perceives that flood insurance is under priced in New Hampshire. It’s looking to increase flood insurance premiums and require flood insurance in areas where they aren’t required. These changes are supposedly coming in October 2021. Considering that New Hampshire recently accepted an update to FEMA flood maps, we’ll likely see a rise in flood insurance costs since the new map already requires more properties to be insured. Check NH flood zone maps here.

Define Your Goals

You need to know what you’re looking for before making such a big purchase. That being said, let’s discuss the most important points to consider.

Buy the Lifestyle, Not the Home

When purchasing your waterfront home, whether it’s a new primary home, a secondary home, a seasonal cottage, or a future retirement home, remember that you’re buying the lifestyle around, not the structure itself. In an everyday home in the city or suburbs, your home doesn’t affect the kinds of activities you do very much. Yet, in a waterfront home, it’s the exact opposite – the setting around your home makes all the difference.

For instance, think of the following questions:

  • Are you looking for skiing or snowmobiling activities in winter? Then look for a home near the snowier lake sides.
  •  Are you looking for a cozy summer cottage and would like to swim or dive in the warm months? Then look for a home near the coastal lowlands or somewhere with deep waters of high quality.
  • Are the waters sandy? This might be a hindrance if you’re looking to swim. You might have to jump into the water yourself and check the sandiness once before buying it to ensure it fits your needs.
  • Are you looking for motor boating activities? Do you already have a motorboat? It would help if you learned about the motorboat regulations in New Hampshire, find out which lakes allow motors and how much horsepower they allow.
  • Are you looking for a peaceful lake to kayak in without any motor activities? Then, search for the lakes where engines aren’t allowed.
  • Are you looking for vast waters that you can explore freely and get lost in or a small lake where your family can wander without getting lost?
  • Are you looking to fish near your home? Research the kinds of fish that reside in the waters near the house and see if they suit your liking.
  • Are there specific places you’d like to be close to? Perhaps a museum, resort, some tourist attraction spots, or else?

These are some of the sample questions you may ask yourself when attempting a purchase. Of course, there are more things to consider depending on your demands. So it would help if you thought through all the logistics before your purchase. You can also talk to your family to get an idea of what they’d enjoy. Before buying a house, make sure the spot is somewhere you’ll be happy staying in for an extended period. If it’s the kind of place you see once, and that’s enough, or if you think you’ll get bored of the area within a year or two, then you probably shouldn’t be pursuing it.

All things considered, we can summarize this part with two sentences: buy the setting and not the house; the house can be changed but not the geography.

Think of the Water

The highlight of a waterfront home is the water – it’s what you’re buying the place for, and it should be on the top of your list when choosing whether a house is suitable for your needs or not. First, you want a nice view of the water from inside. But even if the house doesn’t have a lake view, that shouldn’t be a problem since you can have one made. The real problem is the water quality, so let’s talk a little about it.

The Water Quality Rating Scale Explained

Water quality is usually affected by the organisms that live in the body. The more organisms, the lower the water quality, and the less safe it is for fishing or swimming. You can usually tell the water quality by color. Dirtier waters are greener due to turbid waters, algae growth, cyanobacteria, or weeds, while cleaner waters are near the clear shades of blue. Yet, the water quality scale doesn’t work on a sightseeing basis – an official doesn’t see that a body is a particular shade of green then decides its quality rating. The rating is determined by the water’s fertility, which is defined by the amount of nutrient content and biological productivity in the water. This is because the more fertile a body of water is, the more it’ll allow for the growth of algae, bacteria, and other organisms that pollute the water. Furthermore, there are three water quality ratings, from highest to lowest: oligotrophic, mesotrophic, and eutrophic.

Oligotrophic waters are the highest rated in terms of quality. This is because they have low nutrient content and low biological production and, by extension, clear pristine waters where you can see the sandy or rocky bottom. As a result, oligotrophic waters have a high oxygen content, allowing for the growth of fish species like salmon and trout – perfect for fishing.

There are mesotrophic waters as well, which are characterized by medium nutrient content and biological production, allowing for some algal growth, though not too excessive. So while mesotrophic waters are also clear, you’ll see the bottom with some algae-covered spots here and there.

Conversely, you also have eutrophic waters – the worst water quality rating on the scale. These waters have high biological production due to the excess of nutrients like phosphorus and nitrogen. You can spot a eutrophic lake from a mile away by its distinctively green color. Sometimes the algae will be so excessive that it even kills some of the fish there.

While picking, you have to be careful because a lake’s water quality rating can change if its conditions change. So we’d recommend getting an expert’s opinion on the body early on.

Water Depth and Breadth

As we’ve mentioned, you need to consider what you’re looking for when thinking about the water depth and size. For example, if you’re looking to swim or dive, you’ll probably want a lake about six feet deep in the area surrounding your home. On the other hand, if your children are the ones who’ll do the swimming, you may want shallower water for them. Also, lake size matters. Larger lakes with lots of inlets are very easy to get lost in, so if this sounds like a concern, you’ll want a smaller lake where you won’t get lost.

Neighbors Matter

Lastly, think about your new neighbors before buying. This might not be the first thing that comes to mind, but you don’t want to ruin your experience because you chose the wrong neighbors. We recommend talking to people next door to the place you’re targeting. See if you’re comfortable with them and if you can live in their proximity in the long term. And remember, it’s all right not to want neighbors at all.

Important Rules You Need to Know

Our next point here is about the rules you need to be familiar with before buying a waterfront home in New Hampshire, so let’s get into it.

New Hampshire’s Shoreland Waters Protection Act

The daddy of New Hampshire’s water regulations is the Shoreland Waters Protection Act, which recognizes how fragile the state’s shorelands are and aims to protect the quality of public waters. The act is imposed on the building or modifying of any structures within 250 feet of a public water body, so if you’re looking to do business on a waterfront home, the act will apply to you. Suppose you’re planning to build a new waterfront home, renovate or develop an existing one, cut some trees around it, create a patio or gazebo near the water, or such. In that case, you’ll need authorization from the state’s Department of Environmental Services. There are more specific stringent rules in place as well. For example, walkways, patios, and gazebos must be at least 20 feet away from the waters, and any structure that’s an essential part of the house must be at least 50 feet away. The best advice is to speak with a legal expert or an agent knowledgeable about the matter and have them at your disposal during your search.

Hire an Expert

Last but not least, we can’t stress the importance of hiring an expert enough. Most people aren’t knowledgeable enough about this niche topic, and going in without expert knowledge can lead to getting highballed or even scammed. By contrast, an expert is well-versed on the topic from a legal and practical side. So having an expert working on your purchase full-time could save you thousands, if not tens of thousands of dollars, and will sew up a better deal that’s worth your money.

Final Thoughts

Hopefully, we’ve given you a thorough walk through of waterfront homes in New Hampshire so you can start your search without falling for any of the classic blunders. Out of this article, the two best pieces of advice we should reiterate are buying the setting, not the house, and hiring an expert to handle the nuanced side of things. Honestly, we know this sounds like a much bigger hassle than buying an ordinary house, but it’ll all be worthwhile in the end when you’re making memories in a beautiful place by a pristine lake.

For as long as we can remember, real estate has made for a reasonably safe investment. In fact, statistics demonstrate that average home sale prices increased continuously from 1963 to 2007. However, is this still the case with the pandemic, recessions, financial crises like that of 2008, and other disasters?

In short, how is the market looking right now? Is it on an upward trend or going downhill from here? And if so, is there hope for a rebound? We’ll address all of these questions and more, covering the 2021 real estate trends that you can’t miss. So, tag along to find out!


1. Home Prices Are Increasing

A graph of the US price sales demonstrates that home prices flattened in 2018, decreased a bit in 2019, and fell significantly in 2020. Yet, despite all the odds, they’ve started increasing in late 2020. About 5.6 million single-family homes were sold last year, which hasn’t happened since the housing bubble (when high demand heightened home sale prices).

Of course, it’s worth noting that the increase or decrease of home prices in the property area is a significant factor that shouldn’t be overlooked. Nevertheless, there’s no denying the hiking home prices in 2021. They’ve shot up by approximately 20% from last year, making the national median $300,000 to $400,000.

This uptrend is partly due to the lack of houses for sale, low mortgage rates, and shortage in skilled construction workers. Also, the pandemic forcing people to work and learn from home made it that much more important to have a good and spacious place that could accommodate every family member’s needs.

To mirror this thought, Chris Glynn, Zillow Group principal economist, said that the pandemic “has reminded us all of the importance of home and how essential it is to have a safe space of shelter from the outside world”.

But let’s not get too carried away and focus on the real question: What does this increase in home prices mean for you as a seller or buyer? And should you wait it out?

Selling a Property

If you’re selling a property, you’re in luck! You can earn that profit to make your business thrive. And if you’re a homeowner, you’ll undoubtedly want the extra cash when selling your home so that you can afford a new place.

Also, if you’re selling your property and buying another, a key to earning profit is downsizing. After all, a house of the same size and in the same area as yours will be very costly. So, moving to a smaller home in your area can be the solution. But if that isn’t an option, consider moving to a house of the same size in a less expensive area.

Buying a Property

This period isn’t the best for buying, but we’ll help you navigate these rough waters. Here’s what you should know about mortgages and payments:

  • 15-Year Fixed-Rate Mortgages: These conventional mortgages are arguably the cheapest home loans you can get your hands on. So, you won’t be paying much in fees and interest.
  • Down Payments: If you save up at least 20% as a down payment, you can avoid PMI, the added fee to your mortgage that acts as security for your lender if you miss a payment. If your down payment is under 10%, that’ll probably translate into tons of fees and interest.

Renting a Property

With prices skyrocketing, this has created a supply-and-demand imbalance. So, if you’re looking to buy a property, you may end up resorting to rentals as a more affordable alternative. Harvard Joint Center for Housing Studies states that the monthly payments for renting a single-family house are much lower than those for purchasing one.

And rentals may be increasing in price, but that’s no match for the increase in house prices. If you compare ranges in February as opposed to a year before, you’ll find that home prices shot up by 17%. However, rents only went up by less than 4%.

Waiting It Out

Perhaps you want to postpone selling or buying a house, so is waiting it out a good idea? Well, the supply and demand imbalance would have to be settled for home prices to cease climbing.

However, the chief economist of the National Association of Realtors, Lawrence Yun, remarks that this isn’t likely to happen until next year. He projects that sellers won’t get multiple offers for a property by next year but that prices will continue to go upward.

After all, the general rule is that home price rates tend to increase. Still, as real estate prices become inaccessible to a bigger demographic, fewer potential buyers should get the price acceleration to slow down. But, these prices will already be out of reach for many by then.

So, if you’re considering buying, perhaps waiting around for an unlikely recession isn’t the best idea. Alternatively, this increase can be profitable for sellers, meaning that if you wait more, you’ll probably make a good profit. But keep up with the real estate market to ensure that your house’s value is going up.



2. Online Real Estate Services Are Thriving

Online real estate services have provided individuals with platforms to browse and even list their properties for sale. Take websites like Zillow, Redfin, and Trulia, for example. Such websites have revolutionized property management and real estate industries, and several factors have played into that:

Making Data Accessible

Online real estate companies collect and compile big data. We’re talking demographic information, selling and buying trends in particular locations, traffic, results of consumer surveys, and more. Then, they analyze these resources to come to conclusions about home value trends, potential home values in an area, and pricing ranges.

Needless to say, anyone in real estate can benefit from such big data. Homeowners and property managers can use it to make informed decisions. They can also benefit from historical and real-time information about buildings’ facilities and utilities regarding electricity, HVAC, fire safety, telecommunications, and more.

To elaborate, such data can help them decide on the proactive maintenance and replacement measures required. And with that, homeowners can keep their properties in good condition and their property managers and tenants satisfied.

Buying Houses

Yes, homeowners can sell their properties to online real estate companies. These businesses thrive by investing some cash into the properties, thus elevating their values. And they sell them at higher prices. Also, they take care of home inspections, showings, repairs, and all the hassle. Of course, that could inevitably mean less profit for sellers.

Hiring Virtual Agents

Some hybrid services aim to cut down on traditional agent commissions. So, they provide virtual agents. These agents offer customers a similar experience to what they would’ve gotten with most agents. Of course, having a virtual agent isn’t as effective as having a regular one. But it’s also better than selling yourself, and you’d be saving quite some money.

Conducting Virtual Reality Tours

The National Association of Realtors conducted a survey proving that about half the potential buyers take it to the internet first to research homes for sale.

So, it comes as no surprise that realtors are keeping up and creating virtual reality tours for their properties. These tours are much more convenient and accessible, as potential long-distance buyers can merely get their tour despite being miles away.

As for how this relates to online real estate companies, realtors can now virtually stage their properties and add accessories and furniture to their interior photos via some companies, such as roOmy.

Moreover, virtual reality tours take it to the next level when they’re for properties that are yet to be built. These tours allow potential buyers to visualize what the new house or apartment will look like once finished by providing realistic architectural walkthroughs.

Not to mention, property managers don’t have to go through never-ending instruction manuals to use the environmental controls because the virtual tour can demonstrate their usage.

3. Single-Family Rentals Are Flooding the Market

Although they’ve always been around, single-family rentals are now more likely to be controlled by real estate businesses than individuals. Up until 2018, real estate investments only held 2.3% of single-family rentals. As for now, investors own 20% of all home buying activity!

And that’s evident in the unprecedented hike in the stocks of single-family rental companies, including American Homes 4 and Invitation Homes.

Institutional Ownership

Since institutional ownership is becoming more prevalent in the single-family rental market, we should examine how this impacts renters.

On the one hand, renters are more likely to gain access to immediate maintenance. For example, if your shower is broken, the company will probably send someone to fix it fast. So, you won’t have to phone your landlord 10 times about it.

On the other hand, an institution-owned rental isn’t steady in terms of rents, meaning that they’ll probably increase with the market. Otherwise, an individual landlord might not accommodate market prices or increase your rent with them if you’re a good tenant.

Fewer Buyers, More Renters

With single-family rentals flooding the market, this shouldn’t be surprising. Since 2000, there have been 29% more renter-occupied households. To put this into perspective, owner-occupied ones only grew by 17%. Not to mention, over 95% of single-family rentals are occupied, which is a generational high.

4. Mortgage Rates Remain Low

Mortgage rates, the fees you pay to your lenders, are a percentage of your overall loan amount. Generally, they mirror the overall economy, rising and falling with it. So, in an economic crisis, the Federal Reserve decreases mortgage rates to facilitate spending and borrowing.

Since 2010, the average 30-year fixed-rate mortgage rate has remained under 5%. Moreover, it has retreated even more to 2.2% in January of 2021. Such low rates haven’t been seen for the 30 years that interest rates have been documented. Additionally, they’re expected to be around 3% for the rest of this year. So, let’s see how that impacts the market.

Selling a Property

If you’re selling a house while interest rates are low, this will further urge potential buyers to buy your place. However, you might want to keep your home on the market longer if interest rates go up this year.

Buying a Property

The fact that interest rates are low is excellent for a buyer. You can certainly save some money. But note that low interest rates may tempt you to snatch up a property that’s above your budget because it seems like a good deal. However, it’s only a good deal if you can afford it.

Tip: It’d be wise to buy a house whose payment is under 25% of your monthly take-home pay. And that includes principal, taxes, interest, and homeowner’s insurance.

5. Inventory Is Decreasing

Now, we’ve only mentioned this as a factor in house prices getting higher. But let’s unpack what else it entails. Inventory has decreased by around 30% in early 2021 in comparison with 2020, which is extremely low. In other words, there aren’t enough properties to accommodate the growing buyers’ demand.

Selling a Property

There’s less real estate for sale, meaning that there’s less competition between sellers. Therefore, you can expect many offer letters, which gives you the upper hand. So, you can choose between many options.

Buying a Property

This isn’t the best time to purchase a property because properties are sold unbelievably fast. In spring 2021, homes were sold 20 days faster than they were in previous springs.

So, here’s what you should do if you’re buying a house this season. For one, be sure to get preapproved for a mortgage. Since time is of the essence, you don’t want the legal work to bring your apartment hunting to a halt. After all, other preapproved buyers might snatch it up fast.

Furthermore, figure out your priorities in a house. And it would help if you were willing to sacrifice or overlook aspects that you want but don’t necessarily need.

Moreover, invest in a real estate agent. Despite house rates being high, the average rates in an area might be affordable. And a real estate agent can find you a home that’s within budget and still accommodates your lifestyle.


Is It a Buyers or Sellers Market in 2021?

With the high competition over houses, accelerating home prices, and low inventory, the market is heavily favoring sellers. And that’ll probably persist for the remainder of 2021. Still, the fact that no crash is likely to happen makes us believe that there won’t be a buyers market any time soon.

Is Zillow Bad?

Zillow can provide potential buyers and property managers with the information they need. Nevertheless, it’s known for having inaccurate data and incorrect updates, mainly regarding changes in price and property status. So, it might show you that a property is for sale when it isn’t. So, take its information with a grain of salt.

Is 3% a Good Interest Rate for Mortgage?

3% or less makes for an excellent rate, which happens to be the 30-year fixed mortgage rate this year. So, it can enable you to save more money until the loan is paid.

What Are Today’s Mortgage Rates?

If you’re considering a 30-year fixed rate, the interest rate is 2.848%, and the Annual Percentage Rate (APR) is 2.908%. And 20-year fixed-rate mortgages have an interest rate of 2.588% and an APR of 2.670%.

As for 15-year fixed rates, they come with 2.087% interest rates and 2.191% APR. Finally, 10-year fixed rates interest rates amount to 1.970%, and their APR is 2.059%.

Is Renting a Single-Family Home Worth It?

Whether a property is a single-family rental or a multi-family rental, it can make for a good investment. Of course, single-family rentals are more affordable and entail higher appreciation. However, both types can provide you with positive cash flow.

Final Thoughts

All in all, there have been numerous changes in the real estate market, and they’re all somehow interconnected. For example, low inventory means there isn’t enough supply to cover the demand, which drives up home sale prices.

In turn, as prices get increasingly high, more people become unable to purchase properties and turn to rentals. And that takes us to how single-family rentals are flooding the market, more likely to be owned by real estate investments rather than individuals.

Moreover, online real estate businesses have taken the market by storm. Among other things, they provide home buyers and property managers with big data, buy properties from users, invest in them to increase their values, and sell them for higher prices.

Perhaps the silver lining for buyers is the low mortgage rate. These rates went down and aren’t likely to get much higher anytime soon, so this should facilitate borrowing. Still, there’s no denying that the market is benefiting sellers in almost every aspect and will probably continue to do so for some time.


Scroll below to see the latest homes for sale in Lake Winnipesaukee towns.

Lake Winnipesaukee is the largest lake in New Hampshire and at 44,000 acres it is the third largest lake in New England following Lake Champlain (271,000 acres) in Vermont and Moosehead Lake (75,471 acres) in Maine. There is one city and seven towns around Lake Winnipesaukee, each one having it’s own benefits.

The city of Laconia has a population of 16,581 and is on the southwestern corner of the Lake. Laconia’s history is rich with manufacturing in the last century. It’s easily to access via Route 106 and 15 minutes from Exit 20 off Interstate 93. Two popular gated communities, South Down Shores and Long Bay, border Paugus Bay which connects to Lake Winnipesaukee in Weirs Beach. For more information about Laconia, visit the official city web site at The property tax rate for 2020 is $19.72 per $1,000 of assessed value.

Just north of Laconia is the town of Meredith. With a population of 6,415 (2018), Meredith is one of the more popular lakeside towns due in part to it’s walkable Main Street area and public docks making it a boaters destination for dining and shopping. There are several great restaurants and hotels in the Meredith Bay area and it’s a beautiful place to visit year round. Sometimes the traffic can get backed up on busy weekends. You can access Meredith from Exit 23 off I-93. A large fishing derby is held in February on Meredith Bay. The 2020 property tax rate is $14.02/$1,000 and the town web site is at

Center Harbor is located on the western edge of Lake Winnipesaukee and has a population of around 1,100 (2018). Like Meredith, Center Harbor’s ‘downtown’ is accessible by water but it’s much smaller in comparison. There are a few shops and eating options within walking distance but it’s not nearly as commercial as Meredith due to it’s smaller size. Center Harbor also borders Squam Lake on the west as well and is accessible via the Ashland exit off Interstate 93, Exit 24. The 2020 property tax rate is $15.33/$1,000 and the town web site is here.

Moving clockwise around Lake Winnipesaukee and traveling north from Center Harbor, the next town is Moultonborough, New Hampshire. Moultonborough has a population of 4,161 people and due to it’s geography, much of the town is on the shore of the lake. This part of the lake often is quieter and has less boat traffic than the southern parts of the lake. Moultonborough has a great little old-time country store as well worth a visit. The property tax rate is one of the lowest in the State due to the high number of second homes and the school district has an excellent reputation. The 2020 tax rate is only $7.13/$1,000 and the town’s web site is located at

East of Moultonborough and on the northern shores of Lake Winnipesaukee is the town of Tuftonboro with an estimated population of 2,409. It too has one of the lowest tax rates in New Hampshire at $9.56/$1,000 of assessed value. Due to it’s location, Tuftonboro is not as easy to get to as the southern lake towns and is further from the interstate. The northern part of the town is part of the Ossipee Mountains and Mirror Lake and Dan Hole Pond are part of Tuftonboro as well. The town web site is located here.

Billed as “The Oldest Summer Resort in America”, Wolfeboro, New Hampshire is located on the northeast corner of Lake Winnipesaukee and has a population of 6,389. Much like Meredith across the Lake, Wolfeboro has a very quaint and walkable Main Street area easily accessible by boat. There are several restaurants and shops to explore, many with beautiful views of Wolfeboro Bay. Due to it’s eastern location on the lake, Wolfeboro is access by Route 28. The tax rate is $13.01 per $1,000 in assessed property value and the official chamber of commerce web site is here.

Just south of Wolfeboro is the town of Alton with a population of 5,335. Alton encompasses the eastern most part of Lake Winnipesaukee as well as Alton Bay, a four mile long inlet. There are some restaurants in Alton Bay and public boat ramp. Mount Major is a popular hike in Alton that gives you panoramic views of Lake Winnipesaukee and the Sandwich Mountain range to the north. Alton is easily accessible by Routes 28 and 11. The property tax rate is currently $13.95/$1,000 and the town web site is here.

The town of Gilford, New Hampshire resides on the southern shores of Lake Winnipesaukee. It sits between the city of Laconia to the west and the town of Alton to the east and is easy to access via Routes 106 and 11. Gilford has a population of 7,194 and has a charming ‘main street’ area. Gilford residents have access to a private beach and boat docks which gives everyone in town access to the lake. The Laconia airport is located in Gilford right next to the Bank of NH Pavilion which is an 8000 seat amphitheatre that hosts several well known bands through the season. Gilford’s property tax rate is currently $15.03 / $1,000 of assessed property value and the town’s web site is located here.

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