Thursday, April 16, 2026

Hampton Luxury Is Absorbing: Market Brief, Week of April 16, 2026

Hampton’s Luxury Tier Is Absorbing — Seven of nineteen $1M+ listings went under contract this week.

The Hampton luxury market did not freeze in early spring — it absorbed. As of this morning, of the nineteen unique Hampton, NH listings priced at or above $949,900, seven have gone to contract. That is a roughly thirty-seven percent absorption rate at the top of the market.

465 Ocean Boulevard, Hampton went to contract pending at $1,595,000. It is a 3 bedroom, 2 full bath, 1,920 square foot new construction condominium (built 2025), listed by Alex Loiseau of Harris Real Estate and displayed by Tate & Foss Sotheby’s International Realty (MLS #5043944). The listing describes “Salt Life 465” as an eight-unit oceanfront condominium development with 12x20 front decks offering unobstructed ocean views and private marshland-facing decks off the primary bedrooms.

We flagged this property in our weekly intelligence index. Our four-method automated valuation model estimated the property at approximately $1,807,000 — roughly $212,000 above the listing price. The market did not agree with our model. The property cleared at the $1,595,000 list, and that is the number that matters.

Automated valuation models are estimates built from comparable sales, assessment data, and transaction histories. For new-construction, sub-tier luxury oceanfront condominiums — a category with thin recent comps in Hampton — our model ran hot by a material margin. The market’s clearing price is the better signal. This is the discipline of using an AVM: it is an input, not a verdict, and the pending price is a correction we will roll into next week’s calibration.

A 37 percent absorption rate at luxury tier is not a distressed market. It is the opposite — a market where premium inventory moves at pace. Hampton is 14.5 square miles and has never been a volume market; when seven listings go under contract in a week, the replacement pipeline is not deep. Every Hampton luxury buyer from Massachusetts or Connecticut is running the same tax math, and it still favors New Hampshire in a way that compounds over a decade of ownership.

Every week, the REFax Real Estate Intelligence Service runs the full NH property inventory through a four-method automated valuation model. The output is a weekly digest that identifies listings where our model diverges from the asking price, tracks pending-to-closed velocity by market, and calibrates against market-clearing prices. The digest, the Stutzman Report, publishes every Monday.

The listings featured here are held by the brokerages named in their attribution lines. Monadnock Cyber Real Estate, LLC does not represent any of these specific properties. Buyers who are unrepresented and wish to be advocated for should engage a licensed buyer’s agent. We offer buyer representation through Monadnock Cyber Realty (an eXp Realty affiliate).

Market Insight: U.S. Foreclosure Activity Surges in Q1 2026




Published by: Monadnock Cyber
Source: ATTOM Q1 2026 U.S. Foreclosure Market Report

The U.S. housing market continues its march toward “normalization,” though the latest data suggests that “normal” now includes a significant uptick in financial distress for homeowners. According to the Q1 2026 U.S. Foreclosure Market Report released today by ATTOM, foreclosure filings have seen a double-digit increase over the past year, signaling a potential shift in market inventory and homeowner stability.


By the Numbers: Q1 2026 High-Level Trends

The report highlights a steady climb in activity across all stages of the foreclosure process.

  • Total Filings: A total of 118,727 U.S. properties saw foreclosure filings (including default notices, scheduled auctions, and bank repossessions) in the first quarter. This represents a 26% increase compared to the same period last year.
  • Foreclosure Starts: Lenders initiated the foreclosure process on 82,631 properties, marking a 20% annual rise.
  • Bank Repossessions (REOs): In perhaps the most telling metric of mounting pressure, lenders completed the foreclosure process on 14,020 properties—a staggering 45% increase from Q1 2025.

Geographic Hotspots and Risk Zones

Foreclosure activity remains highly localized, with several states and metro areas emerging as leaders in distressed activity.

Worst Foreclosure Rates (By State)

Rank
State
Foreclosure Rate (1 in every X units)
1
Indiana
739
2
South Carolina
743
3
Florida
750
4
Delaware
757
5
Illinois
833

Volume Leaders (Foreclosure Starts)

While the rates reflect density, the raw volume remains concentrated in high-population states. Texas led the nation with 10,617 starts, followed closely by Florida (10,099) and California (7,985).


The “Speed-to-Gravel” Factor: Shrinking Timelines

While activity is rising, the average duration a property remains in the foreclosure “pipeline” is shrinking. Properties foreclosed in Q1 2026 spent an average of 577 days in the process—a 14% decrease from a year ago.

  • The Long Game: Louisiana (3,140 days) and Hawaii (2,119 days) remain the slowest states to process foreclosures.
  • The Fast Track: Texas (165 days) and West Virginia (178 days) continue to be the most efficient in moving distressed assets through the system.

Monadnock Cyber Analysis: What This Means for 2026

The 18% jump in activity between February and March 2026 alone suggests that the “spring cleaning” of bank balance sheets is in full effect. As ATTOM CEO Rob Barber noted, while these figures aren’t yet at historical crisis peaks, the consistent rise in repossessions indicates that the “financial pressure is building.”

For real estate professionals and investors, this trend points to a growing segment of the market that requires specialized intervention—whether through cash-offer platforms like ExpressOffers or targeted digital lead generation to help homeowners navigate equity before a full repossession occurs.

Key Takeaway: The “normalization” of the foreclosure market is no longer a forecast; it is a reality. Stakeholders should prepare for a steady increase in distressed inventory through the remainder of 2026.

Rate vs. Reality: Why New Hampshire’s High Property Taxes Aren't Always What They Seem



When you look strictly at the effective tax rate, New Hampshire is objectively one of the most expensive states in the country. However, because NH lacks a state income tax and a general sales tax, the property tax carries almost the entire burden of funding local services.

Here is how the comparison actually shakes out for 2026:

1. The “Effective Rate” Gap

The effective tax rate is the percentage of your home’s market value that you pay in taxes annually. * New Hampshire: Average is 1.29% (6th highest in the U.S.). In some “high-service” towns, this can climb over 2.0%. * Massachusetts: Average is roughly 1.10%. While lower, Massachusetts property values are often significantly higher, which can lead to a similar “dollar amount” on your tax bill.

2. The “Total Tax Burden” Reality

Total tax burden measures how much of your total income goes to the government (Property + Income + Sales + Excise). * New Hampshire: Consistently ranks among the lowest total tax burdens in the U.S. (often under 6% of total income). * Massachusetts: Ranks in the mid-to-high range (often 9%–10% of total income) due to the “triple threat” of property, income, and sales taxes.

3. Case Study: The $600,000 Home

If you own a $600,000 home in both states, here is a rough look at the math:

Tax Type
New Hampshire (e.g., Lyndeborough)
Massachusetts (e.g., Dunstable)
Property Tax
~$7,740 (at 1.29%)
~$6,600 (at 1.10%)
Income Tax
$0 (on wages)
~$4,000 - $6,000+ (5.0% flat)
Sales Tax
$0
6.25% on most goods
Total Est. Paid
$7,740
$10,600 - $12,600+


Why NH Rates Feel Higher

  1. Lack of State Aid: NH local governments receive less state aid for schools than almost any other state (under 30% compared to MA’s 42%+). This forces your local property tax to do the heavy lifting for education.
  2. Regressive Nature: Because it’s based on property value rather than income, NH property taxes can feel much “higher” to retirees or low-to-middle income earners whose home values have skyrocketed but whose paychecks haven’t.

The Verdict

If you are a high-earner, New Hampshire is almost always “cheaper” because you avoid the 5% MA income tax, which easily outweighs the higher property tax rate. However, if you are retired or on a fixed income, the “sticker shock” of the NH property tax bill can be more painful because you aren’t benefiting from the $0 income tax savings as much as a worker would.


Milford NH Homes Sell Fast

Market Intelligence Briefing - April 16, 2026

A review of current market data reveals a notable trend: despite low inventory levels, homes in Milford, NH are selling quickly, with a median sale price of $427,500 and an average days on market (DOM) of just 20 days. This is significantly faster than the 42 days seen in Amherst, NH, where the median sale price is nearly twice as high at $772,500.

REFax™ analyzes over 150 data sources to provide a comprehensive view of the market. In Milford, NH, there are currently 21 active listings with an average price of $680,066. One standout property is 545 Elm Street #4, Milford, NH 03055, listed at $229,900 for a 3 bedroom, 2 bathroom unit with 1104 square feet of living space. This represents a compelling opportunity for buyers looking to enter the market.

In contrast, Wilton, NH has seen homes sell quickly, with an average DOM of just 9 days as of December 31, 2025. The median sale price in Wilton was $440,000, with 3 months of supply available. Amherst, NH, on the other hand, has an extremely low inventory level, with only 0.5 months of supply and no homes selling above ask.

For buyers and sellers, understanding these market trends is crucial in making informed decisions. With mortgage rates currently at 6.3% for a 30-year loan, it's essential to have accurate and up-to-date information on the local real estate market. REFax™ provides the insights needed to navigate this complex landscape.

Whether you're looking to buy, sell, or simply stay ahead of the curve, having access to reliable market intelligence is key. Get your free REFax™ property report at https://refax.pro or contact Kathy MacKinnon at kmackinnon@monadnockcyber.ai to schedule a consultation and gain a deeper understanding of the local real estate market.

In today's fast-paced market, staying informed is more important than ever. By leveraging the power of REFax™, you can make data-driven decisions and stay ahead of the competition. Know More. Move Faster. Monadnock Cyber.


Jeff Stutzman is a former intelligence officer and the founder of Monadnock Cyber, a real estate intelligence and analysis firm. He builds tools like REFax™ that give buyers, sellers, and agents the information advantage — because in real estate, what you don't know costs you money.

Need a realtor who actually knows the data? Contact Kathy MacKinnon at KathyMackinnon@monadnockcyberrealty.com

Wednesday, April 15, 2026

Milford Homes Sell Fast

Milford Homes Sell Fast

April 15, 2026 Market Intelligence Briefing

A review of current market data reveals a notable trend: homes in Milford, NH are selling at a median price of $427,500, with a remarkably low days on market (DOM) of 20 days. This rapid sales pace is accompanied by a mere 0.25% of listings experiencing price drops, indicating a strong seller's market.

REFax™ analyzes over 150 data sources to provide actionable insights for buyers and sellers in the NH real estate market. In Amherst, NH, the median sold price is $772,500, with homes taking 42 days to sell. The inventory in Amherst is extremely low, with only 0.5 months of supply, highlighting the competitive nature of this market.

In contrast, Wilton, NH exhibits a relatively more balanced market, with a median sold price of $440,000 and 3 months of supply. Homes in Wilton are selling quickly, with a DOM of 9 days. Notably, one home sold above ask in Wilton, demonstrating the potential for negotiated sales prices.

A standout property in Milford is 545 Elm Street #4, Milford, NH 03055, listed at $229,900. This 3-bedroom, 2-bathroom condo offers 1104 square feet of living space, presenting a compelling opportunity for buyers seeking affordable options in the area.

Buyers and sellers should take note of these trends and adjust their strategies accordingly. With REFax™, users can access comprehensive property intelligence to inform their decisions. Whether you're looking to buy, sell, or simply stay informed about the market, Get your free REFax™ property report to gain a competitive edge.

Alternatively, Contact Kathy MacKinnon at kmackinnon@monadnockcyber.ai to schedule a consultation and leverage the expertise of Monadnock Cyber's real estate intelligence team. By staying informed and adapting to market shifts, buyers and sellers can navigate the NH real estate landscape with confidence.

Know More. Move Faster. Monadnock Cyber provides the actionable insights you need to succeed in today's fast-paced real estate market.


Jeff Stutzman is a former intelligence officer and the founder of Monadnock Cyber, a real estate intelligence and analysis firm. He builds tools like REFax™ that give buyers, sellers, and agents the information advantage — because in real estate, what you don't know costs you money.

Need a realtor who actually knows the data? Contact Kathy MacKinnon at KathyMackinnon@monadnockcyberrealty.com

Tuesday, April 14, 2026

Milford NH $427k

Milford NH $427k

Market Intelligence Briefing - April 14, 2026

A review of current market data reveals a notable trend: homes in Milford, NH are selling at a median price of $427,500, with a remarkably low days on market (DOM) of 20 days. This rapid sales pace is accompanied by a mere 0.25% of listings experiencing price drops, indicating a strong seller's market.

REFax™ analyzes over 150 data sources to provide actionable insights for buyers and sellers in the NH real estate market. In Amherst, NH, the median sold price is $772,500, with homes taking 42 days to sell. The inventory in Amherst is extremely low, with only 0.5 months of supply, highlighting the competitive nature of this market.

In contrast, Wilton, NH exhibits a relatively more balanced market, with a median sold price of $440,000 and 3 months of supply. Homes in Wilton are selling quickly, with a DOM of 9 days. Notably, one home sold above ask in Wilton, demonstrating the potential for negotiated sales prices.

A standout property in Milford is 545 Elm Street #4, Milford, NH 03055, listed at $229,900. This 3-bedroom, 2-bathroom residence offers 1104 square feet of living space, presenting a compelling opportunity for buyers seeking value in the area.

Buyers and sellers should take note of these market trends and adjust their strategies accordingly. With REFax™, individuals can access comprehensive property intelligence to inform their decisions. Whether you're looking to purchase or sell a property, understanding the local market dynamics is crucial for success.

To gain a deeper understanding of the NH real estate market and make informed decisions, Get your free REFax™ property report at https://refax.pro or contact Kathy MacKinnon at kmackinnon@monadnockcyber.ai to schedule a consultation. By leveraging REFax™ insights, you can navigate the market with confidence.

In today's fast-paced real estate environment, staying informed is key. Monadnock Cyber is committed to providing timely and accurate market intelligence to support your goals. Know More. Move Faster.

Monadnock Cyber


Jeff Stutzman is a former intelligence officer and the founder of Monadnock Cyber, a real estate intelligence and analysis firm. He builds tools like REFax™ that give buyers, sellers, and agents the information advantage — because in real estate, what you don't know costs you money.

Need a realtor who actually knows the data? Contact Kathy MacKinnon at KathyMackinnon@monadnockcyberrealty.com

Monday, April 13, 2026

Stutzman Intelligence Report — April 13, 2026

Good morning.

This week the system crossed 1,019,440 properties evaluated across ten northeastern states. The number that jumped: 1,018 underpriced properties flagged GREEN — asking prices sitting meaningfully below what a four-model AVM produces as defensible value.

The full report follows.

— Jeff Stutzman, Monadnock Cyber, LLC

Monadnock Cyber
MONADNOCK CYBER • INTELLIGENCE DIVISION APRIL 13, 2026
PRIVATE • CONFIDENTIAL
The Stutzman Report
Every morning, our system scans 50+ sources across 10 states — verified commercial data, public record analysis, government registries, and proprietary models — then tells you exactly which ones are underpriced, fairly valued, or overpriced.
What you’re seeing below is the summary. If you’re a Monadnock Cyber client, partner agent, or teammate — you get the full details for free. Every address. Every owner. Every signal. Delivered to your inbox before your first showing of the day.
Buying or selling? Get ground truth. No marketing noise. No staged photos. Just machine-verified valuations across 1,019,440 properties across the northeastern United States so you know exactly what a property is worth before you make a move.
If you’re not working with us yet? You’re looking at the same data your competitors are already acting on. The addresses behind these numbers are worth real money.
Ready to stop guessing? — jstutzman@monadnockcyber.ai  |  (603) 930-2222
1,019,440
Properties
1,018
Underpriced
690,005
Fair Value
11,814
Overpriced
88%
Confidence
±5.2%
Avg Error
Underpriced Opportunities Top 25 by discount
# LOCATION AVM ESTIMATE ASKING/SOLD DISCOUNT CONF ANALYST CONF. DOM
1 Hilltop Drive, Wakefield NH ReFax™→ $740,805 $629,900 -15.0% 85% 85%
2 Perkins Hill Road, Wakefield NH ReFax™→ $740,887 $630,000 -15.0% 85% 85% 7
3 HAPPY HOMES RD, MEREDITH NH ReFax™→ $2,351,203 $2,000,000 -14.9% 87% 87%
4 Black Brook Road, Meredith NH ReFax™→ $2,174,818 $1,850,000 -14.9% 88% 88%
5 Little Beaver Island, Meredith NH ReFax™→ $2,174,818 $1,850,000 -14.9% 88% 88% 196
6 Laconia, NH 🔒 $1,621,347 $1,380,000 -14.9% 87% 87%
7 Meredith, NH 🔒 $2,231,775 $1,900,000 -14.9% 88% 88%
8 Meredith, NH 🔒 $2,231,775 $1,900,000 -14.9% 88% 88%
9 Meredith, NH 🔒 $2,231,775 $1,900,000 -14.9% 88% 88%
10 Laconia, NH 🔒 $1,625,763 $1,385,000 -14.8% 87% 87%
11 Sunapee, NH 🔒 $968,072 $825,000 -14.8% 89% 89%
12 Wakefield, NH 🔒 $809,430 $690,000 -14.8% 83% 83%
13 Freedom, NH 🔒 $791,250 $675,000 -14.7% 85% 85%
14 Laconia, NH 🔒 $1,634,893 $1,395,000 -14.7% 87% 87%
15 Laconia, NH 🔒 $1,634,893 $1,395,000 -14.7% 87% 87%
16 New London, NH 🔒 $971,350 $829,000 -14.7% 89% 89%
17 Wakefield, NH 🔒 $818,515 $699,000 -14.6% 83% 83%
18 MEREDITH, NH 🔒 $2,282,633 $1,950,000 -14.6% 88% 88%
19 Nashua, NH 🔒 $475,000 $415,000 -14.5% 85% 85%
20 Hampton, NH 🔒 $1,577,822 $1,350,000 -14.4% 88% 88%
21 Hampton, NH 🔒 $1,577,822 $1,350,000 -14.4% 88% 88%
22 Meredith, NH 🔒 $2,453,216 $2,100,000 -14.4% 87% 87%
23 Sandwich, NH 🔒 $873,529 $749,000 -14.3% 89% 89%
24 Sandwich, NH 🔒 $874,427 $750,000 -14.2% 89% 89%
25 Gilford, NH 🔒 $2,329,433 $2,000,000 -14.1% 87% 87%
▲ Showing 5 of 25 underpriced opportunities Get full addresses & owner intel →
Want every address? Every owner? Every signal?
The full Stutzman Report — all 25 underpriced opportunities, all distress signals, full owner details — delivered to your inbox every Monday before 7 AM.
Single report $39.99 • $149/mo unlimited
Overpriced — Proceed with Caution Top 25 by premium
# LOCATION AVM ESTIMATE ASKING/SOLD PREMIUM CONF ANALYST CONF. DOM
1 Route 108, Somersworth NH ReFax™→ $914,250 $1,050,000 +14.8% 91% 91% 1222
2 Meadow Lane, Woodstock NH ReFax™→ $1,132,110 $1,299,900 +14.8% 84% 84%
3 Woodland Drive, Hudson, NH 03051, Hudson NH ReFax™→ $1,142,409 $1,298,000 +13.6% 88% 88%
4 Woodland Drive, Hudson NH ReFax™→ $1,142,409 $1,298,000 +13.6% 88% 88%
5 Beech Hill Road, Andover NH ReFax™→ $858,323 $975,000 +13.6% 89% 89%
6 Derry, NH 🔒 $1,057,752 $1,200,000 +13.4% 91% 91%
7 Derry, NH 🔒 $1,057,696 $1,199,900 +13.4% 91% 91%
8 Salem, NH 🔒 $1,318,777 $1,495,000 +13.4% 90% 90%
9 Nashua, NH 🔒 $1,280,370 $1,450,000 +13.2% 89% 89%
10 Nashua, NH 🔒 $1,280,370 $1,450,000 +13.2% 89% 89%
11 Nashua, NH 🔒 $1,280,370 $1,450,000 +13.2% 89% 89%
12 Salem, NH 🔒 $1,305,504 $1,475,000 +13.0% 90% 90%
13 Pembroke, NH 🔒 $1,198,833 $1,350,000 +12.6% 91% 91%
14 Hinsdale, NH 🔒 $648,951 $730,000 +12.5% 89% 89%
15 Salem, NH 🔒 $1,200,880 $1,350,000 +12.4% 90% 90%
16 Salem, NH 🔒 $1,246,367 $1,399,900 +12.3% 90% 90%
17 Nashua, NH 🔒 $1,157,777 $1,299,900 +12.3% 88% 88%
18 Nashua, NH 🔒 $1,157,777 $1,299,900 +12.3% 88% 88%
19 Deerfield, NH 🔒 $1,242,601 $1,395,000 +12.3% 90% 90%
20 Goffstown, NH 🔒 $979,831 $1,100,000 +12.3% 91% 91%
21 Fremont, NH 🔒 $1,078,084 $1,210,000 +12.2% 91% 91%
22 Dublin, NH 🔒 $890,121 $999,000 +12.2% 85% 85%
23 Salem, NH 🔒 $1,211,988 $1,360,000 +12.2% 90% 90%
24 Derry, NH 🔒 $1,002,988 $1,125,000 +12.2% 91% 91%
25 Salem, NH 🔒 $1,225,983 $1,375,000 +12.2% 90% 90%
▲ Showing 5 of 25 overpriced properties Don't overpay. Get the full list →
Distress Signals by Market Active motivated-seller indicators
SIGNAL TYPE MARKET COUNT
High Equity Free Clear Derry, NH 170
Senior Owner Derry, NH 152
High Equity Free Clear Portsmouth, NH 104
High Equity Derry, NH 71
Expired Listing Amherst, NH 58
Absentee Owner Derry, NH 40
Senior Owner Portsmouth, NH 40
Absentee Owner Portsmouth, NH 38
HOW TO READ THIS REPORT
Each property is valued using the ReFax™ 5-Factor Sales Comparison Model — matching comparable sales by bedroom count, lot size, age, location, and property characteristics. Every estimate is independently validated by the Fred & Ethel™ QA system.
Analyst Confidence reflects the quality of available comparables: 90%+ = strong comp match   75-89% = good   60-74% = moderate   <60% = limited data
GREEN = asking below estimate   YELLOW = fairly priced   RED = asking above estimate
All valuations are independently validated by the Fred & Ethel™ verification system. Fred re-values each property using tight comparable criteria; Ethel audits data integrity across multiple sources. Each property receives a confidence grade (A–F) before publication. This process mitigates errors, data anomalies, and model limitations. Grades reflect analytic rigor, not investment advice.
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✓  Full street addresses on every property
✓  Owner names, phones & email when available
✓  4-method AVM breakdown with confidence scores
✓  AI-generated property assessments
✓  Distress signal overlays & motivated seller alerts
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Questions? jstutzman@monadnockcyber.ai (603) 930-2222
Monadnock Cyber
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71 NH 101A Suite 11, Amherst, NH 03031
Jeff Stutzman • jstutzman@monadnockcyber.ai • (603) 930-2222
This report is prepared exclusively for qualified investors and industry professionals. Information is derived from public records, verified commercial sources, and proprietary intelligence models. Not an offer to sell or solicitation. All data believed reliable but not guaranteed.
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