How much house can I afford on $190,000 in Maine?
About $667,000 with 20% down ($533,000 with an FHA loan), using Maine's 0.92% property tax rate.
That is $254,895 more than the typical Maine home ($412,002), so a $190,000 salary can buy a typical home here. The payment of $4,433 covers $3,589 principal and interest, $511 property tax and $333 insurance.
Counties in Maine you can afford on $190,000
16 of 16 counties have a typical home value at or below $667,000:
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Cumberland County | $558,564 | +2.3% | 1.04% |
| York County | $525,406 | +1.9% | 0.96% |
| Lincoln County | $443,362 | +1.1% | 0.85% |
| Knox County | $436,709 | -0.6% | 1.17% |
| Sagadahoc County | $432,225 | +1.7% | 1.04% |
| Hancock County | $419,630 | +2.9% | 0.83% |
| Waldo County | $344,137 | +3.7% | 1.04% |
| Androscoggin County | $328,518 | +1.0% | 1.16% |
| Oxford County | $316,256 | +0.1% | 0.99% |
| Kennebec County | $315,675 | +0.6% | 1.09% |
| Franklin County | $290,988 | +1.0% | 1.04% |
| Penobscot County | $277,437 | +2.0% | 1.16% |
| Somerset County | $228,626 | +1.9% | 1.08% |
| Piscataquis County | $227,800 | +0.2% | 0.9% |
| Washington County | $199,733 | -0.1% | 1.04% |
| Aroostook County | $168,572 | +2.6% | 1.12% |
Affordable metro areas
Assumes a 30-year fixed loan at 7.11%, property tax of 0.92% of the home value a year, homeowners insurance of 0.6% a year, PMI of 0.5% of the loan a year when the down payment is under 20%, and FHA mortgage insurance of 0.55% a year plus a 1.75% upfront premium added to the loan. Your rate, taxes and insurance will differ.
Other salaries in Maine
Frequently asked questions
How much house can I afford on $190,000 in Maine?
About $667,000 with 20% down at 7.11%, keeping the payment (with Maine's 0.92% property tax and insurance) under $4,433 a month.
Is $190,000 enough to buy a house in Maine?
Yes: the typical Maine home is worth $412,002 (Zillow, September 2026) and $190,000 supports about $667,000. 16 of 16 counties are within budget.