The Pros and Cons of Living in Southern NH vs. Northern MA

When it comes to deciding where to live in New England, many buyers weigh the differences between Southern New Hampshire and Northern Massachusetts. Both areas offer beautiful communities, excellent schools, and convenient access to Boston, but there are also important differences to consider. Whether you’re buying your first home, upsizing for a growing family, or downsizing for retirement, understanding the pros and cons of each region will help you make the best decision for your lifestyle and budget.

Cost of Living and Taxes
One of the biggest differences between Southern NH and Northern MA is cost of living—especially when it comes to taxes. New Hampshire is famously income- and sales-tax free, which can create meaningful long-term savings. Property taxes in NH are generally higher than in Massachusetts, but many families find the overall savings more than balance out. Massachusetts, on the other hand, has a state income tax and sales tax, but property taxes vary widely by town. For buyers focused on monthly expenses, these differences can tip the scales in favor of one state over the other.

Commuting and Location
For professionals working in Boston, commuting time is often a deciding factor. Towns in Northern MA such as Andover, Chelmsford, and Lowell typically offer shorter commutes into the city compared to NH towns. However, many Southern NH communities like Nashua, Hollis, and Bedford still provide easy access to Route 3 or I-93, making Boston an achievable daily or hybrid commute. Buyers also consider airport access—Manchester-Boston Regional Airport in NH and Logan Airport in MA both provide convenient travel options, depending on location.

Lifestyle and Community
Both regions have strong appeal, but in different ways. Southern NH is known for its more rural and suburban feel, larger lot sizes, and easy access to nature. Towns like Hollis and Amherst provide a quieter lifestyle, with apple orchards, hiking trails, and a strong sense of community. Northern MA towns like Andover and Concord, while suburban, often offer a more historic feel with walkable downtowns, shopping, and cultural amenities. For families, both areas boast excellent schools, though rankings and offerings vary by district, making research essential.

Real Estate Market
The housing market also plays a role in decision-making. Generally, home prices in Southern NH are more affordable than comparable homes in Northern MA, which is a major draw for buyers looking for more space or newer construction at a lower cost. That said, Massachusetts homes often hold strong long-term value due to their proximity to Boston and highly regarded school districts. Sellers in both regions benefit from consistent buyer demand, but buyers must carefully weigh affordability against convenience.

Making the Right Choice
Ultimately, the decision between Southern NH and Northern MA depends on your priorities. If saving on taxes, having more land, and enjoying a slower pace are important, Southern NH might be the perfect fit. If being closer to Boston, having historic neighborhoods, and accessing certain school districts matter most, Northern MA could be the right choice. Both areas offer excellent options, and with the right real estate guidance, you can find a home that matches your lifestyle and goals.