TrueAffordHome Affordability by State
What can you afford in Maine?
A baseline estimate for a household earning $90,000 a year gross, with typical debts and expenses, a $30,000 down payment, and a 740-759 credit score — using Maine's own property tax and insurance data rather than a national average. Every assumption is editable in the full calculator below.
Maine's effective property tax rate is around 0.98% of home value per year — the 19th highest in the country. Average homeowner's insurance runs near $1,248/year on a $300,000 home — the 4th lowest.
Comfortable
$256,539
Stretch
$319,634
Risky ceiling
$358,646
A lender would likely approve up to $358,646 on this baseline in Maine — but this household's own budget, once real expenses are counted, can only sustain $319,634. That $39,012 gap is exactly the kind of overreach this calculator exists to flag before it becomes a monthly deficit.
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