DSCR loans in Laconia, NH

Laconia by the Census numbers

Median gross rent in Laconia: $1,224, about 18% below the New Hampshire median of $1,491. Median owner-occupied home value: $340,300, about 15% below the New Hampshire median of $402,500. Those are citywide medians, so an individual address can sit well on either side of them. Put the two medians together and Laconia shows a gross yield of 4.3%, a lean ratio that leaves little room for taxes, insurance and dues. Because the rent number covers apartments as well as houses, expect single-family rentals to land above or below it.

Roughly 35.8% of occupied housing in Laconia is rented, well above the New Hampshire median of 27%. Against a median household income of $73,218 (well below the New Hampshire median of $99,031), 55% of renters report rent at or above 30 percent of income.

What Laconia investors are buying

The housing mix in Laconia is blended: 53% detached houses, 16% in two to four unit buildings, 10% in buildings of five to 19 units and 4% manufactured homes. The median home was built in 1974, a middle-aged stock where roofs, HVAC and water heaters are the main repair items.

Roughly 30% of units in Laconia sit vacant, and the share of rentals available for rent is 1.3% at the survey's snapshot. The Census flags 26% of units as seasonal or recreational use, so demand swings with tourist seasons and local lodging rules.

What stands out in Laconia

With only 4.3% gross yield, Laconia buyers often rely on appreciation as part of the plan, and a lender will want the ratio to clear without it. Median build year 1974 puts the typical Laconia rental in its second set of major systems. A 36% renter share is large enough to keep units leased, so location relative to jobs and schools drives rent more than the market as a whole.

Carrying costs in Laconia

Tax drag is easy to underestimate. Laconia owners report a median $4,484 in annual real estate taxes, well below the New Hampshire median of $6,667, an effective 1.32% of median home value. Compared with annual median rent, the tax line is about 31%.

County-level hazard data from FEMA (National Risk Index 1.20) shows Belknap County with relatively low overall risk and lightning (relatively high), ice storms (relatively high) and winter weather (relatively moderate) at the top of the list.

Flood risk in Laconia is parcel by parcel: check the address on FEMA's flood map service, because a mapped high-risk zone means required flood cover and a heavier payment.

What the Laconia medians allow

At the city medians a DSCR file in Laconia has $850 a month after taxes to cover principal, interest, insurance and dues if the ratio is 1.00, or $606 if the ratio is 1.25. Those two numbers show why insurance quotes and tax estimates come first.

Rental rules for Laconia, NH

For Laconia, treat local rental rules as an open question to close before you offer. Ask the city and Belknap County about landlord registration, inspections and short-term rental permits, and check association documents too. On lodging taxes, a Laconia host should read this first. New Hampshire's Meals and Rooms tax covers residential rentals of under 185 consecutive days, so an operator needs an operator's license, displays it on the property and includes the license number in advertisements, and Airbnb collects the tax on stays of 184 nights or fewer.

New Hampshire gives a landlord 30 days after the tenancy ends to return a deposit, an easy deadline to miss without a checklist.

Neighbors of Laconia by the numbers

Rochester's median home value of $279,100 is the group's floor and Concord's $350,900 its ceiling, while Laconia is $340,300.

Workforce and demand drivers in Laconia

About 10.3% of Laconia workers are self-employed, the kind of borrowers whose tax returns understate cash flow and who often prefer a loan sized on rent. The same survey shows government workers are about 13% of employment, 27% of adults hold a bachelor's degree or higher and 8% of commuters travel 45 minutes or more.

Campuses such as Lakes Region Community College pull tenants into Laconia, and landlords near them can plan around move-in seasons. Transportation links include air service through Laconia Municipal Airport. Easy highway and air access helps both tenant commutes and remote ownership.

From a Laconia listing to a loan

A good Laconia file has four pieces: rent evidence, a tax estimate, an insurance quote and cash. Preview the ratio in the calculator, then apply or talk to us.

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Sources and data notes

• Census ACS profile behind the Laconia figures
• FEMA hazard ratings for Belknap County
• Wikipedia: Laconia, New Hampshire
• New Hampshire security deposit statute (RSA 540-A:5, I-II; 540-A:6, I-IV; 540-A:7, I-II; 540-A:8, I-III)
• NH Department of Revenue Administration, meals and rentals tax (New Hampshire)

Numbers for Laconia come from the Census Bureau's 2020 to 2024 ACS and are survey estimates. RedFlagLease (CC BY 4.0) supplies the New Hampshire landlord-tenant notes, and the statutes are linked. Last reviewed October 2026; the city and county have the final word on Laconia rules.

Pre-offer checklist

On a Laconia purchase, line up the lease, the tax estimate, the insurance quote and any association dues before the appraisal is ordered, and ask the appraiser's office what rent comparables they plan to use.

DSCR loan availability varies by property and lender program and is not an offer to lend. See our disclosures.