When Gas Is Expensive, Homes Don't Have to Be

When Gas Is Expensive, Homes Don’t Have to Be

The cost of everything is up. Gas at the pump. Eggs. The truck you drive to work. None of that is news.

Here’s something that is: across New Hampshire, 321 active listings are currently Priced Below AVM. 14 of them are in Portsmouth — in a market where the median sale closed at $720,000 over the past year.

A buy with built-in equity isn’t theoretical. It’s a math problem with a known answer.

We run the math on every active off-market listing that we find. Over a million property records evaluated to date. Coverage started in New Hampshire and now extends through Massachusetts, Maryland, DC, and West Virginia. For each property we compute a current market value and compare it to the asking price. When asking comes in below value, we mark it “Priced Below AVM.” That’s not a recommendation, an opinion, or a hot take. It’s the arithmetic difference between two numbers.

Portsmouth by the numbers (rolling 12 months)

• 23 closed sales
• Median sale price: $720,000
• Range: $309,500 to $1.8 million
• 34 active listings on the market today
• 14 active listings Priced Below AVM

What does this mean for a buyer in May 2026?

• You can’t control the price of gas.
• You can’t control mortgage rates.
• You CAN control whether the house you buy already has equity in it the day you close.

Built-in equity at purchase is the one kind that doesn’t depend on the market going your way later. Rates can move. The market can drift. Equity you bought at the closing table doesn’t care.

Most agents don’t run AVMs against active inventory. Most buyers don’t ask. That’s the gap. We close it.

If you’re watching a specific house — or a specific town — pull a REFax™ report. We’ll show you where the asking price sits relative to value, what comparable closings look like, and whether the listing is priced for the market or against it.

Off-market opportunities don’t show up on Zillow. If you want us to look beyond what’s listed, get in touch.

Gas might be expensive. Your next house doesn’t have to be.

— Monadnock Cyber, LLC refax.pro

Milford Homes Sell Fast

May 01, 2026 Market Intelligence Briefing

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling in just 35 days with 67% of listings closing above ask, those in Wilton are taking 164 days to sell with none selling above ask. This divergence highlights the importance of localized market analysis for buyers and sellers.

In Milford, the median sold price stands at $415,000, with a mere 1 month of supply. In contrast, Wilton's median sold price is $355,000, with a more substantial 4 months of supply. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000 and homes selling in 35 days, indicative of a highly competitive market.

Town-by-Town Analysis

Milford, NH: With 17 active listings averaging $839,752, buyers may find value in properties like 545 Elm Street #4, listed at $229,900. This 3-bedroom, 2-bathroom condo offers 1104 square feet of living space, making it a standout in terms of price per square foot.

Wilton, NH: The 11 active listings here average $414,963. A notable listing is A 66 Burton Highway, priced at $175,000, presenting an opportunity for buyers looking for a more affordable entry point into the market.

Amherst, NH: Among the 29 active listings averaging $885,551, 4 Milford Street stands out as a potential best buy at $204,900. However, buyers should be prepared to act quickly in this competitive environment.

Market Implications

The current 30-year mortgage rate of 6.3% (as of 2026-04-30) underscores the need for informed decision-making. REFax™ analyzes over 150 data sources to provide actionable insights, empowering buyers and sellers to navigate these complex market conditions effectively.

For those looking to capitalize on the current market trends, understanding the local dynamics is crucial. Whether you're a buyer seeking the best value or a seller aiming to maximize your return, having accurate and timely information is key.

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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

Milford Homes Sell

Market Intelligence Briefing - April 30, 2026

A review of current market data reveals a notable disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling above ask price 67% of the time, with a median sold price of $415,000, those in Wilton are not selling above ask at all, with a median sold price of $355,000. This divergence suggests that buyers and sellers should be aware of the distinct market conditions in each town to inform their strategies.

REFax™ analyzes over 150 data sources to provide actionable insights into the NH real estate market. In Milford, homes are selling quickly, with a median days on market (DOM) of 35 days and only 1 month of supply. In contrast, Wilton's DOM is significantly longer at 164 days, with 4 months of supply. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000 and homes selling in 35 days, indicating a highly competitive market.

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, making it an attractive option for buyers looking for value in the area. With the current 30-year mortgage rate at 6.3% as of April 30, 2026, according to FRED, buyers should carefully consider their financing options when making an offer.

Given these market conditions, sellers in Milford and Amherst should be prepared for quick sales and potentially multiple offers, while those in Wilton may need to adjust their pricing strategies or be prepared for a longer selling process. Buyers, on the other hand, should be ready to act swiftly in competitive markets like Milford and Amherst, and negotiate aggressively in areas like Wilton where sellers may be more open to price reductions.

To navigate these complex market dynamics effectively, it's essential to have access to timely and accurate property intelligence. REFax™ provides the tools and insights needed to make informed decisions. Whether you're a buyer looking for the best value or a seller aiming to maximize your return, understanding the current market trends is crucial.

For a deeper dive into the NH real estate market and to discover

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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

Milford Homes Sell

Market Intelligence Briefing - April 29, 2026

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling above ask price 67% of the time, with a median sold price of $415,000, those in Wilton are not selling above ask at all, with a median sold price of $355,000. This divergence suggests that buyers and sellers must be keenly aware of local market conditions to make informed decisions.

In Milford, the median days on market (DOM) is 35 days, with only 1 month of supply available. In contrast, Wilton's DOM is 164 days, with 4 months of supply. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000 and a DOM of 35 days, as of the week ending January 31, 2026.

REFax™ analyzes over 150 data sources to provide actionable insights for buyers and sellers. One standout property is 545 Elm Street #4, Milford, NH 03055, listed at $229,900. This 3-bedroom, 2-bathroom home offers 1104 square feet of living space, making it an attractive option for those looking to enter the Milford market.

In Amherst, 4 Milford Street is listed at $204,900, but REFax™'s automated valuation model (AVM) estimates its value to be between $274,710 and $545,321, suggesting potential upside for buyers. With current mortgage rates at 6.23% for a 30-year loan, as of April 23, 2026, buyers must carefully consider their financing options.

For sellers, understanding the local market dynamics is crucial. In areas like Milford, where homes are selling quickly and often above ask, pricing strategies should be adjusted accordingly. Conversely, in markets like Wilton, sellers may need to be more aggressive with their pricing to attract buyers.

To navigate these complex market conditions, buyers and sellers can leverage REFax™ to gain a deeper understanding of the properties that interest them. By analyzing current listings, sales trends, and other key factors, individuals can make more informed decisions about their real estate investments.

Get your free REFax™ property report at

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

Milford Homes Sell Fast

Market Intelligence Briefing - April 28, 2026

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling in just 35 days with 67% of listings selling above ask, those in Wilton are taking 164 days to sell with none selling above ask. This divergence highlights the importance of localized market analysis for buyers and sellers.

REFax™ analyzes over 150 data sources to provide actionable insights into the NH real estate market. In Milford, the median sold price is $415,000, with only 1 month of supply and 33% of listings cutting prices. In contrast, Wilton's median sold price is $355,000, with 4 months of supply and 25% of listings cutting prices. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000, 1 month of supply, and no reported price drops.

A standout property in Milford is 545 Elm Street #4, Milford, NH 03055, listed at $229,900. This 3bd/2ba, 1104 sqft unit offers a compelling value proposition in a highly competitive market. Similarly, in Wilton, 374 Burton Highway, Wilton, NH 03086 is priced at $349,900, representing a best-in-class $306/sqft.

Given the current 30yr mortgage rate of 6.23% (as of 2026-04-23), buyers and sellers must be strategic in their decision-making. For those looking to capitalize on the market's opportunities, it is essential to stay informed about local trends and pricing. REFax™ provides the necessary tools and insights to navigate NH's complex real estate landscape.

To make informed decisions, buyers and sellers should prioritize access to accurate, up-to-date market data. Contact Kathy MacKinnon at kmackinnon@monadnockcyber.ai to schedule a consultation and gain a deeper understanding of the local market. Alternatively, get your free REFax™ property report at https://refax.pro to start making data-driven decisions today.

In conclusion, the NH real estate market presents both challenges and opportunities. By leveraging REFax™ and staying attuned to local trends, buyers and sellers can optimize

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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

Milford Homes Sell

Market Intelligence Briefing - April 26, 2026

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling above ask price 67% of the time, with a median sold price of $415,000, those in Wilton are not selling above ask at all, with a median sold price of $355,000. This divergence suggests that buyers and sellers must be keenly aware of local market conditions to make informed decisions.

REFax™ analyzes over 150 data sources to provide actionable insights into the NH real estate market. In Milford, homes are selling in just 35 days, with only 1 month of supply available. In contrast, Wilton homes are taking 164 days to sell, with 4 months of supply on the market. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000 and homes selling in 35 days, indicating a highly competitive market.

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, making it an attractive option for buyers looking for a relatively affordable entry point into the Milford market.

Given the current market conditions, buyers should be prepared to act quickly in competitive markets like Milford and Amherst, where homes are selling rapidly. Sellers, on the other hand, may need to adjust their pricing strategies in slower markets like Wilton, where 25% of listings have experienced price cuts. With 30-year mortgage rates at 6.23% as of April 23, 2026, buyers should also consider the impact of financing costs on their purchasing power.

To navigate these complex market dynamics, it is essential to have access to timely and accurate data. REFax™ provides the insights needed to make informed decisions in the NH real estate market. Whether you are a buyer, seller, or real estate professional, understanding local market trends is crucial for success.

For a deeper understanding of the market and to discover opportunities like 545 Elm Street #4, Milford, NH 03055, get your free REFax™ property report at

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

Milford Homes Sell Fast

April 25, 2026 Market Intelligence Briefing

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling in just 35 days with 67% of listings selling above ask, those in Wilton are taking 164 days to sell with none selling above ask. This divergence highlights the importance of localized market analysis for buyers and sellers.

REFax™ analyzes over 150 data sources to provide actionable insights into the NH real estate market. In Milford, the median sold price is $415,000, with only 1 month of supply and 33% of listings cutting price. In contrast, Wilton's median sold price is $355,000, with 4 months of supply and 25% of listings cutting price. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000, 1 month of supply, and no reported price drops.

Standout Properties

A notable listing in Milford is 545 Elm Street #4, Milford, NH 03055, priced at $229,900 for a 3bd/2ba, 1104 sqft property. This represents a compelling opportunity for buyers seeking value in the area. In Wilton, A 66 Burton Highway, Wilton, NH 03086 is listed at $175,000, offering an attractive entry point for those looking to purchase in this market.

In Amherst, 4 Milford Street, Amherst, NH 03031 is available for $204,900, presenting a rare affordable option in this higher-priced market. For buyers focused on value per square foot, 111 Union Square, Milford, NH 03055 offers 1104 sqft at $202/sqft, and 19 Baboosic Lake Road, Amherst, NH 03031 provides a similar value proposition at $202/sqft.

Market Implications

The current market conditions underscore the need for informed decision-making by both buyers and sellers. With such variability in sales trends and pricing across different towns, it's essential to leverage detailed market analysis to navigate these dynamics effectively. REFax™ provides the

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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

Milford Homes Sell Fast

Market Intelligence Briefing - April 24, 2026

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling in just 35 days with 67% of listings selling above ask, those in Wilton are taking 164 days to sell with none selling above ask. This divergence highlights the importance of localized market analysis for buyers and sellers.

In Milford, the median sold price is $415,000, with a mere 1 month of supply. In contrast, Wilton's median sold price is $355,000, with a more substantial 4 months of supply. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000 and homes selling in 35 days, indicative of a highly competitive market.

REFax™ analyzes over 150 data sources to provide actionable insights for buyers and sellers. One standout property is 545 Elm Street #4, Milford, NH 03055, listed at $229,900. This 3 bedroom, 2 bathroom, 1104 square foot condo represents a compelling value in the current market.

For buyers, understanding these local trends is crucial for making informed decisions. With mortgage rates at 6.23% as of April 23, 2026, according to FRED, the importance of precise market analysis cannot be overstated. Sellers, on the other hand, must be aware of the competitive landscape in their specific town to price and market their properties effectively.

The data underscores the need for granular market intelligence. Whether you are a buyer seeking the best value or a seller aiming to maximize your return, having access to detailed, up-to-date information is essential. REFax™ provides this critical insight, empowering users to navigate the complex real estate landscape with confidence.

To gain a deeper understanding of the current market and how it affects your specific situation, Get your free REFax™ property report at https://refax.pro or contact Kathy MacKinnon at kmackinnon@monadnockcyber.ai to schedule a consultation. Stay ahead of the market with accurate, actionable intelligence.

Know More. Move Faster. Monadnock Cyber provides the tools and expertise necessary to succeed in today's fast-paced real estate environment.

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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

Milford Homes Sell Fast

Market Intelligence Briefing - April 23, 2026

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling in just 35 days with 67% of listings selling above ask, those in Wilton are taking 164 days to sell with none selling above ask. This divergence highlights the importance of localized market analysis for buyers and sellers.

In Milford, the median sold price is $415,000, with only 1 month of supply available. In contrast, Wilton's median sold price is $355,000, with a more substantial 4 months of supply. Amherst, NH, presents a different scenario altogether, with a median sold price of $865,000 and homes selling in 35 days, indicative of a highly competitive market.

REFax™ analyzes over 150 data sources to provide actionable insights for buyers and sellers. One standout property is 545 Elm Street #4, Milford, NH 03055, listed at $229,900. This 3-bedroom, 2-bathroom home offers 1104 square feet of living space, making it an attractive option for those looking to enter the Milford market.

Given the current 30-year mortgage rate of 6.3%, buyers should be prepared to act quickly in competitive markets like Milford and Amherst. Sellers, on the other hand, may need to adjust their pricing strategies, particularly in areas like Wilton where price cuts are more common. With 54 active listings across these three towns, understanding the local market dynamics is crucial for success.

To navigate these complex market conditions effectively, it's essential to have access to comprehensive property intelligence. REFax™ provides the tools and insights needed to make informed decisions. Whether you're a buyer looking for the best value or a seller aiming to maximize your return, accurate and timely data is paramount.

For those seeking to leverage this intelligence in their real estate endeavors, Get your free REFax™ property report or contact Kathy MacKinnon at kmackinnon@monadnockcyber.ai to schedule a consultation. Staying ahead of the market curve requires more than just awareness of current trends; it demands actionable intelligence and strategic decision-making.

In

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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

Milford Homes Sell Fast

Market Intelligence Briefing - April 22, 2026

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling in just 35 days with 67% of listings selling above ask, those in Wilton are taking 164 days to sell with none selling above ask. This divergence highlights the importance of localized market analysis for buyers and sellers.

In Milford, the median sold price is $415,000, with a mere 1 month of supply. In contrast, Wilton's median sold price is $355,000, with a more substantial 4 months of supply. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000 and homes selling in 35 days, indicative of a highly competitive market.

Town-by-Town Analysis

Milford, NH: With 18 active listings averaging $685,861, buyers may find opportunities in properties like 545 Elm Street #4, listed at $229,900. This 3-bedroom, 2-bathroom condo offers 1104 square feet of living space, presenting a potential best buy in the area.

Wilton, NH: The 12 active listings here average $391,125. A notable listing is A 66 Burton Highway, priced at $175,000, which could be considered a best buy given its affordability. For those looking for more space, 128 Intervale Rd offers a better price per square foot at $258.

Amherst, NH: Among the 23 active listings averaging $1,028,013, 4 Milford Street stands out as a potential best buy at $204,900. However, buyers should be prepared for competition given the town's fast-paced market.

Market Implications

The current 30-year mortgage rate of 6.3% may impact buying power, making it essential for buyers and sellers to understand the local market dynamics. REFax™ analyzes over 150 data sources to provide actionable insights, enabling informed decisions. The significant difference in days on market (DOM) and sales trends between these towns underscores the need for precise market intelligence.

For those looking to navigate these markets effectively, understanding the specific conditions

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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

Milford Homes Sell Fast

Market Intelligence Briefing - April 21, 2026

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling in just 35 days with 67% of listings selling above ask, those in Wilton are taking 164 days to sell with none selling above ask. This divergence highlights the importance of localized market analysis for buyers and sellers.

In Milford, the median sold price is $415,000, with a mere 1 month of supply. In contrast, Wilton's median sold price is $355,000, with a more substantial 4 months of supply. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000 and homes selling in 35 days, indicative of a highly competitive market.

REFax™ analyzes over 150 data sources to provide actionable insights for buyers and sellers. One standout property is 545 Elm Street #4, Milford, NH 03055, listed at $229,900. This 3 bedroom, 2 bathroom, 1104 square foot condo represents a compelling value in the current market.

For buyers, understanding these local trends is crucial for making informed decisions. With mortgage rates at 6.3% as of April 16, 2026, according to FRED, buyers must be strategic about their purchases. Sellers, on the other hand, should be aware of the competitive landscape in their area and price their properties accordingly. In Milford, where 33% of listings are cutting prices, sellers need to be particularly mindful of their pricing strategy.

The data underscores the importance of leveraging advanced property intelligence platforms like REFax™ to navigate New Hampshire's real estate market effectively. By accessing detailed, up-to-date information on active listings, sales trends, and market conditions, buyers and sellers can make more informed decisions.

To gain a deeper understanding of the market and how to capitalize on current trends, Get your free REFax™ property report at https://refax.pro or contact Kathy MacKinnon at kmackinnon@monadnockcyber.ai to schedule a consultation. Stay ahead of the curve with the most accurate and comprehensive market intelligence available.

Know More. Move Faster. Monadnock Cyber provides the insights you need to succeed in

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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

Milford Homes Sell Fast

Market Intelligence Briefing - April 20, 2026

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling in just 35 days with 67% of listings closing above ask, those in Wilton are taking 164 days to sell with none exceeding their initial price. This divergence highlights the importance of localized market analysis for buyers and sellers.

In Milford, the median sold price stands at $415,000, with only 1 month of supply available. In contrast, Wilton's median sold price is $355,000, accompanied by a more substantial 4 months of supply. Amherst, NH, presents a unique scenario with a median sold price of $865,000 and homes selling in 35 days, indicative of a highly competitive market.

REFax™ analyzes over 150 data sources to provide actionable insights for real estate decisions. A notable example is the property at 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 Milford market.

A deeper analysis using REFax™ reveals significant potential upside in certain properties. For instance, 4 Milford Street, Amherst, NH 03031, listed at $204,900, has an automated valuation range of $274,710-$545,321, suggesting a possible undervaluation of up to $205,116. Such insights can be crucial for investors and homebuyers looking to capitalize on market inefficiencies.

Given the current 30-year mortgage rate of 6.3%, buyers must carefully consider their purchasing power and how it may impact their ability to secure desirable properties. Sellers, on the other hand, should be aware of the competitive landscape in their area and adjust their pricing strategies accordingly to attract serious buyers.

To navigate these complex market dynamics effectively, it's essential to have access to comprehensive property intelligence. Get your free REFax™ property report at https://refax.pro or contact Kathy MacKinnon at kmackinnon@monadnockcyber.ai to schedule a consultation and make informed decisions about your real estate investments.

In

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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

Milford Homes Sell Fast

Market Intelligence Briefing - April 19, 2026

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling in just 35 days with 67% of listings selling above ask, those in Wilton are taking 164 days to sell with none selling above ask. This divergence highlights the importance of localized market analysis for buyers and sellers.

In Milford, the median sold price is $415,000, with a mere 1 month of supply. In contrast, Wilton's median sold price is $355,000, with a more substantial 4 months of supply. Amherst, NH, presents a different scenario altogether, with a median sold price of $865,000 and homes selling in 35 days, indicative of a highly competitive market.

REFax™ analyzes over 150 data sources to provide actionable insights for buyers and sellers. One standout property is 545 Elm Street #4, Milford, NH 03055, listed at $229,900. This 3 bedroom, 2 bathroom, 1104 square foot unit offers a compelling value proposition in the current market.

For buyers, understanding these local trends is crucial for making informed decisions. With 30-year mortgage rates at 6.3% as of April 16, 2026, according to FRED, the importance of precise market analysis cannot be overstated. Sellers, on the other hand, must be aware of the competitive landscape in their specific town to price and market their properties effectively.

The data underscores the need for granular market intelligence. Whether you are a buyer seeking the best value or a seller aiming to maximize your return, having access to detailed, up-to-date information is essential. REFax™ provides this critical insight, empowering users to navigate the complex real estate landscape with confidence.

To gain a deeper understanding of the current market and how it affects your specific situation, Get your free REFax™ property report at https://refax.pro or contact Kathy MacKinnon at kmackinnon@monadnockcyber.ai to schedule a consultation. Stay ahead of the curve with the most accurate and comprehensive property intelligence available.

Know More. Move Faster. Monadnock Cyber provides the tools and expertise necessary to succeed in today's fast-paced real

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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

SPECIAL INTELLIGENCE BRIEF Colorado River Water Crisis 2026 — Distressed Inventory

SPECIAL INTELLIGENCE BRIEF

Colorado River Water Crisis 2026 — Distressed Inventory Forecast

Issued: 2026-04-18 Distribution: ReFax Pro Standard / Premium / VIP subscribers Classification: Open-source intelligence, multi-source verified Reading time: 4 minutes

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EXECUTIVE SUMMARY

A federal emergency water-management order issued this week will create distressed real estate inventory in six counties across four states over the next two to four quarters. This brief identifies the impact zones, the property categories most exposed, and the timeline on which we expect the inventory to surface. Subscribers operating in or sourcing buyers for the western U.S. should adjust acquisition pipelines now, before brokers in the affected markets recognize the pattern.

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THE EVENT

The U.S. Bureau of Reclamation has ordered an immediate emergency redistribution of 2.48 million acre-feet of water across the Colorado River storage system. The order was delivered by Interior Secretary Doug Burgum to the governors of seven states. Key elements:

• 1.0 million acre-feet released from Flaming Gorge Reservoir (UT/WY) → Lake Powell. Flaming Gorge elevation drops ~35 feet.
• 1.48 million acre-feet withheld from Lake Mead. Lake Powell rises ~54 feet.
• 40% reduction in hydropower generation at Lake Mead.
• Mandatory, uncompensated water rights reductions across Upper Basin states (UT, CO, WY, NM).
• Discretionary water cuts to Lower Basin states (NV, AZ, CA).
• Underlying trigger: lowest snowpack on record, system at 36% of capacity.

The seven-state Colorado River Compact agreements expire late 2026. Multiple states (notably AZ and UT) have signaled pending litigation. Federal action this week is a stopgap; the underlying allocation framework is unresolved.

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IMPACT ZONES — DISTRESSED INVENTORY FORECAST

County / Market	State	Property Type at Risk	Signal Strength	Inventory Surfaces
Daggett (Manila / Flaming Gorge)	UT	Marinas, lodges, outfitters, RV parks, lakefront SF	9 / 10	Q3-Q4 2026
Coconino (Page / Lake Powell)	AZ	Hotels, restaurants, guide services, vacation rentals	9 / 10	Q2-Q3 2026
Pinal (Casa Grande corridor)	AZ	Agricultural land with impaired water rights	8 / 10	Q3 2026-Q1 2027
Clark (Henderson / Boulder City)	NV	Energy-intensive commercial, industrial tenants	7 / 10	Q4 2026 onward
Mohave (Bullhead / Lake Havasu)	AZ	Lakefront recreation, retirement communities	7 / 10	Q4 2026 onward
La Paz (Parker corridor)	AZ	Agricultural, river-adjacent commercial	7 / 10	Q3-Q4 2026

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THE INVENTORY SIGNATURES TO WATCH

Recreation distress (Daggett UT, Coconino AZ): SBA 7(a) defaults on tourism-dependent businesses are the leading indicator. Marina operators, lodge owners, river-rafting outfitters, and RV-park operators carry SBA debt and operate on thin seasonal margins. A revenue collapse triggers default within two reporting cycles. We expect a sharp uptick in SBA-flagged distress signals beginning July 2026.

Tourism real estate decay (Page AZ): Absentee-owned short-term rentals will see occupancy drop. Owners with carry costs will list before peak season ends. Watch for unusually motivated sellers in zip 86040, particularly properties acquired 2020-2022 at the speculative top.

Agricultural water rights impairment (Pinal AZ, La Paz AZ): Mandatory uncompensated reductions create a tier of farmland that loses irrigation status overnight. Land transitions from irrigated valuations (~$8K-$15K/acre) to dryland valuations (~$1.5K-$3K/acre). For investors with a long-horizon thesis on compact renegotiation, this is a value entry point — but understand the political risk premium.

Commercial energy-cost compression (Clark NV): The 40% hydropower cut translates to electricity rate increases for southern Nevada commercial tenants. Energy-intensive operators (data centers, cold storage, manufacturing, mining) face margin pressure. Vacancy rates and lease defaults are the indicators.

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TIMELINE & DECISION POINTS

Date	Event	Subscriber Action
April 2026	Releases begin from Flaming Gorge	Position broker network in UT/AZ now
Summer 2026	Recreation revenue gap emerges	Monitor SBA default filings, county auction calendars
Late 2026	Colorado River Compact agreements expire	Litigation announcements drive uncertainty discount
Q3-Q4 2026	First wave of distressed inventory listed	Acquisition window opens
Q1-Q2 2027	Bank REO inventory accumulates	Secondary acquisition window

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RECOMMENDED ACTIONS BY SUBSCRIBER TIER

Standard tier — Add the six counties above to your geographic watchlist. Expect targeted inventory alerts in your weekly feed beginning Q3 2026.

Premium tier — Receive named-property alerts as SBA defaults and county auction listings surface in the impact zones. First alerts begin August 2026 based on our SBA collector cycle.

VIP tier — Direct introductions to local broker network in target markets, on request. Custom property-type filtering (recreation/marina vs. agricultural vs. commercial) available now.

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ANALYTICAL CONFIDENCE

HIGH that the federal action will create commercial recreation distress in Daggett County UT and Coconino County AZ within 6-12 months. Historical precedent: the 2021-2022 Lake Powell drawdown produced documented marina closures and business failures in the same corridor.

MEDIUM that agricultural water rights impairment in Pinal County AZ produces a buyable inventory of distressed farmland. The political and legal uncertainty around the compact expiration adds variance to the timeline.

LOWER that Clark County NV commercial impact materializes in tradable inventory within 12 months. Commercial real estate distress lags utility cost increases by 18-24 months.

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_{Source attribution: Federal agency announcements and verified public-record reporting. Underlying data integrated into the Monadnock Cyber market intelligence platform.}

_{Market Intelligence by Monadnock Cyber. This brief is provided to ReFax Pro subscribers for situational awareness and acquisition-planning use. Not investment advice. Subscribers are responsible for independent due diligence on any property or business identified in subsequent inventory alerts.}

Milford Homes Sell

Market Intelligence Briefing - April 18, 2026

A review of current market data reveals a striking disparity in sales trends between Milford and Wilton, NH. While homes in Milford are selling above ask price 67% of the time, with a median sold price of $415,000, those in Wilton are not selling above ask at all, with a median sold price of $355,000. This divergence suggests that buyers and sellers must be keenly aware of local market conditions to make informed decisions.

In Milford, the median days on market (DOM) is 35 days, with only 1 month of supply available. In contrast, Wilton's DOM stands at 164 days, with 4 months of supply. Amherst, NH, presents a different picture altogether, with a median sold price of $865,000 and a DOM of 35 days, as of the week ending January 31, 2026.

REFax™ analyzes over 150 data sources to provide actionable insights for buyers, sellers, and real estate professionals. One standout property 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, making it an attractive option for those looking to enter the Milford market.

The current 30-year mortgage rate of 6.3% (as of April 16, 2026) underscores the importance of understanding local market trends and pricing strategies. Buyers should be prepared to act quickly in competitive markets like Milford, while sellers in areas like Wilton may need to adjust their pricing expectations. With 55 active listings across these three towns, buyers have a range of options to consider.

To navigate this complex market landscape, it is essential to have access to timely and accurate data. REFax™ provides the necessary tools to make informed decisions. Whether you are a buyer looking for the best value or a seller seeking to optimize your listing price, REFax™ can help.

Get your free REFax™ property report at https://refax.pro or contact Kathy MacKinnon at kmackinnon@monadnockcyber.ai to schedule a consultation. Stay ahead of the market with actionable

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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

Milford Homes Sell Fast

April 17, 2026 Market Intelligence Briefing

A review of current market data reveals a notable trend: homes in Milford, NH are selling significantly faster than those in Amherst, NH, with a median days on market (DOM) of 20 days compared to 42 days. This disparity suggests that buyers in Milford should be prepared to act quickly to secure their desired property.

REFax™ analyzes over 150 data sources to provide insights into the New Hampshire real estate market. In Milford, the median sold price is $427,500, with 2 months of supply and only 0.25% of listings experiencing price drops. In contrast, Amherst has a median sold price of $772,500, with an extremely low 0.5 months of supply and no homes selling above ask.

In Wilton, NH, homes are selling quickly, with a median DOM of 9 days and a median sold price of $440,000. The town has 3 months of supply, and 1 home sold above ask. These numbers indicate a competitive market where buyers need to be prepared to make swift decisions.

A standout property in Milford is 545 Elm Street #4, Milford, NH 03055, listed at $229,900 for a 3-bedroom, 2-bathroom unit with 1104 square feet. This represents a compelling opportunity for buyers looking to enter the market at a relatively affordable price point.

For buyers and sellers, understanding these market trends is crucial for making informed decisions. With REFax™, individuals can access detailed property reports and stay ahead of the competition. The platform's comprehensive analysis enables users to identify opportunities and navigate the market with confidence.

To gain a deeper understanding of the New Hampshire real estate market and make data-driven decisions, Get your free REFax™ property report at https://refax.pro or contact Kathy MacKinnon at kmackinnon@monadnockcyber.ai to schedule a consultation.

In today's fast-paced real estate environment, having access to accurate and timely market intelligence is essential. By leveraging the power of REFax™, buyers and sellers can stay informed and make strategic decisions that drive success.

Know More. Move Faster. Monadnock Cyber provides the insights and expertise needed to navigate the complex world of real estate

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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

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.

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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.

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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).

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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.

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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.

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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

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.

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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

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

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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

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 • 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. Get Full Access → 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. Unlock the Full Intelligence Feed You just saw 10 properties out of 12832 flagged this week. ReFax™ Pro subscribers get: ✓  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 ✓  Delivered to your inbox Mon & Wed before 7 AM Get Your Report → Single report $39.99 • $149/mo unlimited Questions? jstutzman@monadnockcyber.ai • (603) 930-2222 Monadnock Cyber, LLC 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. Unsubscribe • You received this because you are in our intelligence distribution network.