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Maine Mortgage Calculator

Estimate your true cost of homeownership in Maine with localized property taxes, insurance, and utility data.

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Est. Total Monthly Cost
$2,589
P&I Payment$2,045
Taxes & Ins$368
Utilities$176
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Mortgage Details

$389,872
Local Median: $389,872
$77,974 (20%)
%

Used with your down payment to fetch a live, scenario-specific rate.

Local Area Costs

Monthly$2,589

Monthly Breakdown

Principal & Interest
$2,045
Property Taxes
$281
Homeowners Ins.
$87
Utilities
$176

Amortization Schedule

Loan balance and total interest paid over 30 years.

Total Interest
$424,298

Local Housing Facts for Maine

  • ·Median home value: $389,872 (adjusted for current market conditions)
  • ·Est. property taxes: $3,377/yr — pre-loaded from county assessment data
  • ·Homeowners insurance (HO-3): $1,042/yr — based on local per-$1K premium rates
  • ·Energy utilities: $2,111/yr — sourced from DOE LEAD survey data
  • ·Flood insurance: optional — toggled off by default, estimate based on FEMA risk profile

Frequently Asked Questions

How much are property taxes in Maine?

Based on the local median home value, estimated real estate property taxes in Maine are around $3,377 per year.

What is the average home price in Maine?

The median home value in Maine is currently estimated at $389,872.

How much does homeowners insurance cost in Maine?

For a median priced home, homeowners insurance in Maine averages around $1,042 annually.

What is the true total cost of owning a home in Maine?

True homeownership costs go beyond principal and interest. In Maine, a typical homeowner with a median-priced home of $389,872 can expect to pay roughly $3,377/yr in property taxes, $1,042/yr for homeowners insurance, and $2,111/yr in energy utilities. That adds approximately $544 per month in ongoing costs on top of your mortgage payment. Use our calculator above to model your exact all-in monthly cost.