New Hampshire variant. This is a New Hampshire-specific version of the Workers Comp Cost Estimator, using pre-defined local figures (tax rates, median home and income values, and typical regional costs). For the full formula, methodology, and FAQ, open the main Workers Comp Cost Estimator.
Workers' compensation premiums in New Hampshire are priced per $100 of payroll, by job classification. On a $90,845 salary at an illustrative $1.00 rate, the annual premium is about $908.
How New Hampshire workers' comp is priced
Premium = (payroll ÷ 100) × class rate × experience modifier. Clerical roles carry low rates; construction and trucking carry much higher ones.
New Hampshire sets its own rules and rates. The calculator above lets you enter your real payroll, class rate, and mod factor for an accurate New Hampshire estimate.
About taxes and housing in New Hampshire
New Hampshire imposes no tax on earned wage income and no general sales tax, though it has historically taxed certain interest and dividend income.
New Hampshire relies heavily on property taxes, with one of the highest effective rates in the nation near 1.9%, and median home values around $470,000.
New Hampshire's economy benefits from its proximity to Boston, with strengths in manufacturing, technology, and cross-border retail spending.
Worked example: $90,845 payroll
($90,845 ÷ 100) × $1.00 = $908/year at a sample clerical rate. A construction class rate of $8.00 would make it $7,268.
Quick reference
- State income tax: No income tax on wages (3% on interest/dividends, phasing out)
- State sales tax: 0% (plus 0.00% avg local)
- Median home value: $470,000
- Median household income: $90,845
- Effective property tax rate: 1.93%
- Avg auto insurance: $1,064/yr
Frequently Asked Questions
How is workers' comp calculated in New Hampshire?
By payroll ÷ 100 × class rate × experience modifier, using New Hampshire's approved rates.
Is workers' comp required in New Hampshire?
Most New Hampshire employers must carry coverage once they have employees; rules vary by industry and headcount.