How to Buy Land and Build a Home in NH or Maine

Hunter Letendre
3 days ago
2 min read

Thinking About How to Buy Land and Build a Home in NH or Maine?

If you’re dreaming of settling in beautiful New England, learning how to buy land and build a home in New Hampshire or Maine can be the first step toward making it real. Whether you’re drawn to Maine’s coastal charm or New Hampshire’s stunning mountains, here’s a comprehensive guide to help you navigate land buying and building your perfect home.

Why Buy Land and Build a Home in New Hampshire or Maine?

Both states offer natural beauty, lower property taxes than many other parts of the country, and a relaxed lifestyle. Maine’s rugged coastlines and lakes, and New Hampshire’s White Mountains and forests, create endless outdoor opportunities. Building a home means you can customize every feature to suit your lifestyle.

How Do You Find the Right Land in NH or Maine?

Work with a local realtor: They know zoning laws, neighborhood trends, and hidden gems.
Check utilities and access: Is there power, water, and year-round road access?
Review soil and septic: Both states require septic plans for new builds.
Understand zoning: Make sure your plans comply with town regulations.

What’s Involved in Financing Land and Building a House?

Land loans: Often require higher down payments (20-30%) than traditional mortgages.
Construction loans: Cover building costs and typically convert to a mortgage after construction.
Bundle options: Some lenders offer packages that combine land purchase and construction costs.

How Do You Choose Builders and Contractors?

Get recommendations: Local builders know the climate and materials that work best.
Review past work: Ask for references and see completed homes.
Verify licenses and insurance: Especially critical in New England’s challenging weather.

What Should You Know About Permits and Local Regulations?

Every town in NH and Maine has its own rules. Expect to secure building permits, septic approvals, and sometimes even driveway permits. Your builder or designer often helps manage this process, but it’s wise to stay involved.

What Are the Costs to Buy Land and Build a Home in NH or Maine?

While costs vary greatly by location and home style:

Land: $30,000-$100,000+ depending on acreage and proximity to lakes or the coast.
Build: $200-$300 per square foot on average, more for high-end or remote builds.
Other: Well, septic, driveway, site work can add $30,000-$60,000.

How Long Does It Take to Build a House?

Typically, expect 6-12 months from breaking ground to moving in, depending on the weather, permitting delays, and supply chain issues.

Final Tips on How to Buy Land and Build a Home in NH or Maine

Be patient: Good land deals and quality builders can take time.
Visit often: Check progress yourself.
Plan for the unexpected: Weather and rural infrastructure sometimes cause delays.

Ready to Buy Land and Build a Home?

If you’re serious about learning how to buy land and build a home in New Hampshire or Maine, start by reaching out today. Your dream of a custom home in beautiful New England is closer than you think. I'm happy to help you every step of the way.