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Updated 2025 Tax Year

Cheshire County
Property Tax Guide

Everything you need to know about property taxes in Cheshire County, NH. Rates, due dates, exemptions, and how it affects your monthly payment.

10 Official Sources
8 min read
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Quick Facts
Tax Rate
$13.79 per $1,000 assessed value (county average), varies significantly by municipality and taxing districts
Exemptions
6+ Available
Section 1

How Property Tax Works

Cheshire County, New Hampshire operates under a property tax system that serves as the primary funding mechanism for local government services, public education, and county operations. Property taxes in Cheshire County fund essential services including schools, police and fire protection, road maintenance, and county government functions. The county follows New Hampshire's decentralized property tax structure, where individual municipalities set their own tax rates based on local budget needs.

The effective property tax rate in Cheshire County for FY 2025-2026 is $13.79 per $1,000 of assessed value, representing a 3.4% increase from the previous year. However, actual tax rates vary significantly by municipality and special taxing districts within the county. Each town and city within Cheshire County establishes its own tax rate based on local budget requirements, school district needs, and county assessments, meaning your specific rate may differ from the county average depending on your exact location and applicable special districts.

Property assessments in New Hampshire are conducted at the municipal level, with most communities reassessing properties every five years or maintaining annual updates. Unlike some states, New Hampshire does not impose assessment caps, meaning property values can increase to full market value during reassessment years.

Section 2

What Makes Up Your Tax Bill

ComponentRate (per $1,000)Description
Municipal TaxVaries by townLocal government services, public works, municipal departments
School District TaxVaries by districtLocal and state education funding requirements
County Tax~$1.50-$2.50Cheshire County government operations, sheriff, courts
State Education Tax$2.28Statewide education funding (standard rate)
Total Average Rate$13.79Combined rate for FY 2025-2026

Note: These rates apply to the FY 2025-2026 levy year and represent county averages. Actual rates vary significantly by municipality within Cheshire County. Special taxing districts for services like water, sewer, lighting, or fire protection may add additional assessments to your tax bill. Contact your local tax assessor for your specific municipal rate and any applicable special district assessments.

Section 3

When Are Property Taxes Due?

For the 2025/2026 tax year in Cheshire County, property taxes are due in two installments:

Pro tip: If you pay through mortgage escrow, your lender splits these payments across your monthly mortgage. If you pay directly, set calendar reminders to avoid late penalties.
Section 4

Supplemental Tax Bills

Supplemental property taxes in Cheshire County are additional tax bills issued when property ownership changes, new construction is completed, or property improvements are made after the annual assessment date. These taxes ensure that property tax obligations are properly allocated between previous and new owners, or account for increased property values due to improvements.

Supplemental taxes are most commonly triggered by property sales, completion of new construction, additions to existing properties, or the issuance of new certificates of occupancy. The supplemental tax is calculated based on the difference between the old assessed value and the new assessed value, prorated for the portion of the tax year remaining after the change occurred.

For example, if you purchase a newly constructed home in Cheshire County in March that was assessed at $0 (vacant land) but now has a completed home worth $400,000, you would receive a supplemental tax bill for the increased assessment covering March through the end of the tax year. At the county average rate of $13.79 per $1,000, this would result in a supplemental tax of approximately $4,595 ($400,000 ÷ 1,000 × $13.79 × 10 months ÷ 12 months).

Example Calculation

Example 1: $300,000 Home

  • Assessed Value: $300,000
  • Less: Veterans' Tax Credit (if applicable): -$500
  • Net Taxable Value: $299,500
  • Annual Tax: $299,500 ÷ 1,000 × $13.79 = $4,130
  • Monthly Escrow: $344

Example 2: $600,000 Home

  • Assessed Value: $600,000
  • Less: Homestead Exemption (assessment growth cap): Varies by assessment increase
  • Less: Veterans' Tax Credit (if applicable): -$500
  • Net Taxable Value: ~$599,500
  • Annual Tax: $599,500 ÷ 1,000 × $13.79 = $8,267
  • Monthly Escrow: $689

Example 3: $1,000,000 Home

  • Assessed Value: $1,000,000
  • Less: Homestead Exemption (assessment growth cap): Varies by assessment increase
  • Less: Veterans' Tax Credit (if applicable): -$500
  • Net Taxable Value: ~$999,500
  • Annual Tax: $999,500 ÷ 1,000 × $13.79 = $13,783
  • Monthly Escrow: $1,149

Note: All tax credits require separate applications and are not automatically applied. The Homestead Exemption caps assessment increases rather than reducing market value, and its benefit varies based on your property's assessment history.

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Section 5

Escrow & Property Taxes

Most mortgage lenders in Cheshire County require borrowers to establish escrow accounts to ensure timely property tax payments. Your lender will collect monthly escrow payments as part of your mortgage payment, typically calculating 1/12th of your annual property tax bill plus a small cushion for potential rate increases. The lender then pays your property taxes directly to the municipality when bills are due.

Cheshire County property taxes are typically billed semi-annually with due dates in July and December each year. The July bill represents an estimated payment, while the December bill reflects the final tax calculation for the fiscal year. Your lender will pay these bills from your escrow account on the due dates. If your escrow account has insufficient funds due to tax increases, your lender may advance the payment and adjust your monthly escrow amount accordingly.

It's important to review your annual escrow analysis statement to verify that your lender has accurate tax information. If your property taxes increase due to reassessment or rate changes, your monthly escrow payment will be adjusted. You can verify your tax amounts by checking with your local tax collector's office or accessing online tax records to ensure your lender is paying the correct amounts.

How HonestCasa Helps
  • Understand whether your escrow is set correctly
  • See how rising taxes will change your monthly payment
  • Plan ahead instead of being surprised by "shortage" letters
Section 6

Frequently Asked Questions

Q: When are property taxes due in Cheshire County for FY 2025-2026? A: Property taxes are due semi-annually in July 2025 (estimated bill) and December 2025 (final bill). Specific due dates vary by municipality within the county.

Q: What tax credits are available and do I need to apply? A: Available tax credits include Veterans' Tax Credits, Elderly Exemptions, and Homestead Exemptions. All credits require separate applications filed with your local assessor's office and are NOT automatically applied to your tax bill.

Q: How does the Homestead Exemption work? A: New Hampshire's Homestead Exemption caps assessment increases on your primary residence, rather than reducing the assessed value. You must apply annually with your local assessor, and the benefit varies based on your property's assessment history and increases.

Q: What happens if I pay my taxes late? A: Late payments incur interest charges, and if taxes remain unpaid by May following the last bill due date, a tax lien will be placed against your property at the Cheshire County Registry of Deeds.

Q: How often are properties reassessed? A: Assessment schedules vary by municipality within Cheshire County. Most towns conduct full reassessments every 5 years, while some maintain annual updates. Contact your local assessor for your municipality's schedule.

Q: Can I pay my property taxes online? A: Online payment options vary by municipality. Most towns in Cheshire County offer online payment systems through their websites or third-party services. Check with your specific tax collector's office for available payment methods.

Q: How do I appeal my property assessment? A: Assessment appeals must be filed with your local Board of Selectmen or Board of Assessment Review by March 1st following the assessment. Contact your municipal assessor's office for specific appeal procedures and forms.

Q: Do special districts affect my tax rate? A: Yes, special taxing districts for services like water, sewer, fire protection, or lighting districts may add additional assessments to your tax bill beyond the standard municipal, school, and county taxes.

Verified Sources

Backed by 10 Official Government Sources

Every fact in this guide is sourced from official county, state, and federal documents.

01
Tax Doc
Tax Collectorrindgenh.gov
02
County
Cheshire County 2025 Adopted Budgetco.cheshire.nh.us
03
OFFICE OF SELECTMENmarlboroughnh.gov
04
NH Department of Revenue Administration - NH.govrevenue.nh.gov
05
Revenue Collectionkeenenh.gov
06
MONDAY & TUESDAY, NOVEMBER 23marlownh.gov
07
County
Cheshire County Sheriff's Officeco.cheshire.nh.us
08
NOTICE OF SHERIFF'S SALE PURSUANT TO RSA 529co.cheshire.nh.us
09
County
2023-cheshire-county-exemptions-tax-credits.pdfrevenue.nh.gov
10
County
Cheshire County Financial Statements 2022co.cheshire.nh.us
All sources verified as of 2025 Tax Year

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