Lincoln County, Maine home prices
Typical home $443,362 · +1.1% in a year · property tax 0.85%
The typical home in Lincoln County is worth $443,362, 8% more than the Maine typical home ($412,002). Values changed +1.1% in the past year and +21.7% over five years. Homeowners here pay a median 0.85% of their home's value in property tax each year ($3,769 on the typical home), versus 0.92% statewide.
Mortgage on the typical Lincoln County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $88,672 | $354,690 | $2,386 | $0 | $536 | $2,922 | $125,200 |
| 10% down | $44,336 | $399,026 | $2,684 | $166 | $536 | $3,386 | $145,100 |
| 5% down | $22,168 | $421,194 | $2,833 | $175 | $536 | $3,545 | $151,900 |
| 3.5% down (FHA) | $15,518 | $435,332 | $2,929 | $196 | $536 | $3,660 | $156,900 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.85% 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.
What it takes: see what you can afford by salary in Maine.
Maine counties with similar prices
| County | Typical home | 1-yr change | Tax rate |
|---|---|---|---|
| Knox County | $436,709 | -0.6% | 1.17% |
| Sagadahoc County | $432,225 | +1.7% | 1.04% |
| Hancock County | $419,630 | +2.9% | 0.83% |
| York County | $525,406 | +1.9% | 0.96% |
| Waldo County | $344,137 | +3.7% | 1.04% |
| Androscoggin County | $328,518 | +1.0% | 1.16% |
| Cumberland County | $558,564 | +2.3% | 1.04% |
| Oxford County | $316,256 | +0.1% | 0.99% |
| Kennebec County | $315,675 | +0.6% | 1.09% |
| Franklin County | $290,988 | +1.0% | 1.04% |
Frequently asked questions
What is the average home price in Lincoln County, ME?
The typical home value in Lincoln County is $443,362 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Lincoln County?
About $125,200 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Lincoln County?
The median effective rate is 0.85% of home value a year (Census ACS 2024 5-year estimates).