We need property tax relief.
HB1648
House · 2026 sessionDemocraticInterim studyHomestead property tax exemption
AICreates a homestead property tax exemption of up to $300,000 on the assessed value of an owner-occupied primary residence, subject to application and eligibility requirements administered by local assessors.
providing property tax exemptions for qualifying residences.
Status
Referred to interim study (House) · March 11, 2026- ✓Introduced
- ✕House
- Senate
- Governor
- Law
Division of testimony
197 submissionsArgument digest · AI-generated
from 57 of 57 written submissionsHB1648 would create a homestead property tax exemption of up to $300,000 for owner-occupied primary residences, offset by shifting more of the SWEPT burden onto higher-value homes and out-of-state or second-home owners while total school funding stays unchanged. Most submissions, overwhelmingly in support, describe property taxes as unsustainable and see the bill as needed relief, especially for seniors and residents on fixed incomes; opponents argue that home value does not reliably track ability to pay, that the shift is unfair to higher-value, rental, or inherited-property owners, and that the bill leaves the deeper drivers of rising taxes unaddressed.
- Property taxes are unsustainably high and relief is neededSupport27 of 57 reviewed
Many submitters describe steep or rapidly rising property tax bills and argue the state needs to provide relief, often citing personal cost increases.
“We are drowning in property taxes here in New Hampshire. Our property values are going up along with everything else and we just can't keep up.”
— Andrea Froburg, Dover · #582708 — read full submission →
“Our property tax has increased $5000 over the 4 years we’ve lived here. We are at $16000 now. When does it stop?”
— Dawn Cobak, Dover · #580509 — read full submission →
- Exemption shifts burden to higher-value owners without cutting school fundsSupport10 of 57 reviewed
Submitters describe the bill's specific mechanism: a $300,000 exemption relieves most homeowners while higher-value and out-of-state/second-home properties contribute more, leaving total school funding intact.
“A $300,000 exemption on primary residences would provide meaningful, immediate relief for the majority of homeowners — especially those living in modest homes — without blowing a hole in school funding.”
— karen steuer, lyndeborough · #579375 — read full submission →
“HB 1648 would create a $300,000 property tax exemption for primary residences, meaning the first $300K of a home’s value would no longer be taxed by SWEPT.”
— Jessie Ahlgren, Sanbornton · #582919 — read full submission →
- Relief is especially needed for seniors and fixed-income homeownersSupport9 of 57 reviewed
Several submitters emphasize that retirees, seniors, and long-time residents on fixed incomes are at risk of being taxed out of homes they can no longer afford.
“We are now on fixed incomes and the value of the home has more than doubled. We are very much in danger of being simply taxed out of our home and forced to pay extremely high rents which we simply can't afford.”
— James Cole, Concord · #586268 — read full submission →
“Older citizens often have lower income, too low to pay the property taxes and are at risk of losing their homes. This is shameful.”
— Sandra Binion, Acworth · #586932 — read full submission →
- Wealthier owners and businesses should bear a larger shareSupport2 of 57 reviewed
A smaller number of submitters frame support in terms of fairness toward working families, arguing high earners, businesses, and owners of expensive homes have not been paying their fair share.
“Stop protecting millionaires and billionaires, and start working for the people who work and live in this state”
— AnneMarie Winkler, Dover · #584544 — read full submission →
“High income earners and business have gotten enough tax breaks. They should be paying their fair share of taxes towards education in this state.”
— Allison Gardner, Epsom · #579815 — read full submission →
- Home value does not equal ability to payOppose4 of 57 reviewed
Opponents argue that owning a higher-value home does not mean greater income or ability to absorb higher taxes, and that the shift unfairly burdens retirees, heirs, and owners of rental or second homes regardless of their financial situation.
“Home owners with higher valued homes already pay disproportionately more in property tax to fund schools. Increasing their taxes to lower the taxes for others is the text book definition of making school funding unfair.”
— Tim Gaudreau, Portsmouth · #582059 — read full submission →
“Shifting the tax burden to the southern part of the state where the real estate values have drastically soared over the last 5 years - NO. Having home values increase, does not equate to increased yearly income !”
— Keri Fongemie, Derry · #581763 — read full submission →
- Bill doesn't address underlying drivers of rising taxesOppose2 of 57 reviewed
Some opponents argue the bill treats a symptom rather than the cause, pointing to rising education spending and to towns retaining excess SWEPT funds as issues the bill leaves unresolved.
“New Hampshire relies heavily on property taxes to fund public education. Any meaningful discussion of property tax relief must therefore grapple honestly with education spending and cost growth.”
— Louis Trebaol, Franklin · #580568 — read full submission →
“As long as excess SWEPT funds can be retained by the collecting town then this bill does nothing to help statewide equality of educational opportunity.”
— Jim Kingston, Temple · #584296 — read full submission →
- Relief should target households without children in schoolsOppose1 of 57 reviewed
One submitter argues tax breaks should be targeted at those who place no burden on the education system rather than distributed by home value.
- Bill does not improve transparency or accountabilityOppose1 of 57 reviewed
One submitter opposes the bill on general grounds that it does not expand rights, protections, or transparency for residents.
- Some propose more sweeping tax reform insteadNeutral1 of 57 reviewed
One submitter lists a broader set of alternative tax policy changes, including taxing religious property, exempting homes below $800,000 entirely, and adding an income tax on high earners, rather than the bill's specific approach.
Generated by claude-sonnet-5 (claude code agent) on Jul 22, 2026. Quotes are verbatim excerpts, verified against the cited submission before publication. Summaries are AI interpretation of the record, not part of it.
This is a great idea to give tax relief to those who are struggling to get by.
I believe this would give much needed tax relief to NH residents, especially seniors.
This makes our property tax system fairer.
Older citizens often have lower income, too low to pay the property taxes and are at risk of losing their homes. This is shameful. I support the bill that would let those who have more expensive houses or live out-of-state most of the time pay the greater amount of taxes. Thank you.
This would start to provide some relief to home owners without sacrificing tax revenue for our schools.
Please pass this bill, HB 1648
This will make New Hampshire more affordable by giving homeowners with modest homes a break on property taxes. I'm proud to support it.
Our home was originally purchased for less than 150,000 almost 30 years ago. We are now on fixed incomes and the value of the home has more than doubled. We are very much in danger of being simply taxed out of our home and forced to pay extremely high rents which we simply can't afford. Long-time home owners of modest dwellings need real tax relief to avoid falling into a trap of perpetual poverty.
I don't believe that landowners should have to pay exorbitant property tax to cover our state's income needs. Young families, or landowners are who aging and have limited incomes, might have a hard time meeting these taxes. It makes sense that landowners with smaller pieces shouldn't have to pay heavy property taxes, if any at all. Thank you very much. Please keep it fair for lower income people who may have land that has been in their families for awhile. Please support this bill.
As a retired resident on a fixed income I find that it is impossible to pay the increasing property taxes on my childhood home where I live. The system does nothing to help save our farmers and families. Please some form of property tax relief is essential
only fair
This is a far, far fairer way to handle property taxes! I fully support this bill and would love to see it become law.
We need to reduce property taxes. Tax religious properties. Cap/reduce/eliminate property taxes on homes worth less than $800,000. No property taxes should be spent on non-public schools. NH school vouchers are unconstitutional. Income tax on interest, dividends, earned income over $1,000,000/yr.
New Hampshire needs property tax relief.
How is this fair to those with no children in the school system? Perhaps you should look at doing something similar, but give the tax break to those who place no burden on the education system.
This bill is absolutely critical to solving an affordability crisis in New Hampshire. I’m a big proponent of School funding and I make a decent living but when I bought my house for $330,000 I did not expect it to be valued at near $750,000 and to be taxed on that! This model has become unsustainable and you have people leaving for more tax, friendly areas. There is no reason. Why somebody with a $200,000 home should be holding up the weight of funding when someone with a $1 million home would barely feel the impact. Stop protecting millionaires and billionaires, and start working for the people who work and live in this state, because in the end that is who keeps this economy running who keeps the state great.
I have been told by the City's tax clerk that the current method being used to calculate property taxes is based solely on the average price of home sales x the current $1,000 per thousand rate. That does not accommodate any potential tax abatement/relief for those of us who live in an HOA location that does not receive any 03301 services because the developer built the neighborhood with a private access road. This proposed method of property tax calculation will address the much needed tax relief for many residents, while shifting the financial weight onto those who are in a better position to handle it. As important: the school funding will not be affected by this new method.
This bill isn’t the perfect solution, but it’s a good conversation starter on reducing property taxes for the average NH homeowner.
Property taxes are ridiculously high and need to be rethought. We should not be paying yearly taxes on something people own outright.
As a member of the Kensington School Board and someone who attends many of our Select Board meetings too, I know many are struggling with increasing property tax bills. I hear from home owners who are retired/living on a fixed income and young families who have purchased starter homes working hard to make ends meet.. We need to make NH housing more affordable to attract current and future workforce. We also need to honor our retirees, especially those who have lived and worked in NH for decades. I fully support this bill and hope you will think of these people when you make your decision. Thank you.
This is much needed for NH where property taxes are TOO HIGH!
As long as excess SWEPT funds can be retained by the collecting town then this bill does nothing to help statewide equality of educational opportunity. This bill continues to conflate ability to pay taxes with valuation of property. Retirees, individuals who inherit property, and those that make their living off the land should not shoulder the burden.
This would go a long way to protecting our citizens from the impact of unaffordable housing on our education funding.
I support this bill. I think it’s a good way to level out. The impact of school funding on homeowners and to do it sort of fairly and 300 K is a good exemption small houses modest homes fall in that category and houses that are two or three times that much would be paying more in real estate taxes, but that seems fair.