Real Estate Tool
Massachusetts to New Hampshire Calculator
Selling in Massachusetts and buying in New Hampshire?
See what you actually keep from the sale, what dropping the Massachusetts income tax is worth each year, and what New Hampshire’s higher property tax takes back.
Section 1
Your Massachusetts Sale
The numbers behind your capital gains position.
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Roof, addition, kitchen. Not repairs or maintenance.
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Balance owed at closing. Enter 0 if it’s paid off.
Filing Status
Section 2
Your Income and Commute
New Hampshire has no income tax. Massachusetts still taxes non-residents on the days they physically work in the state, so your commute decides how much you actually save.
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Section 3
Your New Hampshire Purchase
New Hampshire trades income tax for property tax. This is where some of the savings go back.
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Your Numbers So Far
See your full picture
The rest of the breakdown covers what you walk away with at closing, how the property tax swing compares, and what the move is worth to you every year.
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Net Annual Change After Moving
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Income tax saved minus the property tax difference
Cash At Closing
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After Capital Gains Tax
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MA Property Tax
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NH Property Tax
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Sale Breakdown
Sale Price—
Selling Costs (commissions, stamps)—
Mortgage Payoff—
Cash At Closing—
Capital Gains Position
Gain After Costs and Improvements—
Section 121 Exclusion—
Taxable Gain—
Massachusetts Tax (5%)—
Federal Capital Gains—
Total Capital Gains Tax—
The Bottom Line
Adjust the inputs above to see your personalized breakdown.
Estimates only, for planning purposes. Selling costs assume 6% for commissions and transfer stamps. Property tax uses statewide averages, so your actual town rate will differ. Capital gains figures assume the home was your primary residence and that you qualify for the Section 121 exclusion. This is not tax or legal advice. Talk to your CPA before making a decision, and talk to Rob about the real estate.