Waldo County, Maine home prices
Typical home $344,137 · +3.7% in a year · property tax 1.04%
The typical home in Waldo County is worth $344,137, 16% less than the Maine typical home ($412,002). Values changed +3.7% in the past year and +20.7% over five years. Homeowners here pay a median 1.04% of their home's value in property tax each year ($3,584 on the typical home), versus 0.92% statewide.
Mortgage on the typical Waldo County home
| Down payment | Cash down | Loan | Principal + interest | PMI / MIP | Tax + insurance | Total / month | Income needed |
|---|---|---|---|---|---|---|---|
| 20% down | $68,827 | $275,310 | $1,852 | $0 | $471 | $2,323 | $99,500 |
| 10% down | $34,414 | $309,723 | $2,084 | $129 | $471 | $2,683 | $115,000 |
| 5% down | $17,207 | $326,930 | $2,199 | $136 | $471 | $2,806 | $120,300 |
| 3.5% down (FHA) | $12,045 | $337,904 | $2,273 | $152 | $471 | $2,896 | $124,100 |
Assumes a 30-year fixed loan at 7.11%, property tax of 1.04% 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 |
|---|---|---|---|
| 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% |
| Hancock County | $419,630 | +2.9% | 0.83% |
| Sagadahoc County | $432,225 | +1.7% | 1.04% |
| Knox County | $436,709 | -0.6% | 1.17% |
| Lincoln County | $443,362 | +1.1% | 0.85% |
| Somerset County | $228,626 | +1.9% | 1.08% |
Frequently asked questions
What is the average home price in Waldo County, ME?
The typical home value in Waldo County is $344,137 (Zillow Home Value Index, September 2026).
How much do you need to earn to buy a house in Waldo County?
About $99,500 a year for the typical home with 20% down at a 7.11% 30-year rate.
What is the property tax rate in Waldo County?
The median effective rate is 1.04% of home value a year (Census ACS 2024 5-year estimates).