Oxford County, Maine home prices
Typical home $316,256 · +0.1% in a year · property tax 0.99%
The typical home in Oxford County is worth $316,256, 23% less than the Maine typical home ($412,002). Values changed +0.1% in the past year and +24.6% over five years. Homeowners here pay a median 0.99% of their home's value in property tax each year ($3,147 on the typical home), versus 0.92% statewide.
Mortgage on the typical Oxford County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $63,251 | $253,005 | $1,702 | $0 | $420 | $2,122 | $91,000 |
| 10% down | $31,626 | $284,630 | $1,915 | $119 | $420 | $2,454 | $105,200 |
| 5% down | $15,813 | $300,443 | $2,021 | $125 | $420 | $2,567 | $110,000 |
| 3.5% down (FHA) | $11,069 | $310,528 | $2,089 | $140 | $420 | $2,649 | $113,500 |
Assumes a 30-year fixed loan at 7.11%, property tax of 0.99% 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 |
|---|---|---|---|
| Kennebec County | $315,675 | +0.6% | 1.09% |
| Androscoggin County | $328,518 | +1.0% | 1.16% |
| Franklin County | $290,988 | +1.0% | 1.04% |
| Waldo County | $344,137 | +3.7% | 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% |
| Hancock County | $419,630 | +2.9% | 0.83% |
| Sagadahoc County | $432,225 | +1.7% | 1.04% |
| Washington County | $199,733 | -0.1% | 1.04% |
Frequently asked questions
What is the average home price in Oxford County, ME?
The typical home value in Oxford County is $316,256 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Oxford County?
About $91,000 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Oxford County?
The median effective rate is 0.99% of home value a year (Census ACS 2024 5-year estimates).