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New Report Fall 2026 Housing Affordability Report: every state is less affordable than in late August as average 30-year mortgage rates passed 7%. Read the report

Bar Harbor, ME Housing Affordability Index

Bar Harbor, Maine has an MBR Housing Affordability Index score of 61.9 (Significantly Less Affordable) as of October 30, 2026, ranking 128th most affordable of 128 scored Maine cities, compared with 95.4 statewide and 97.4 nationally. On a median-priced $626,900 home with 20% down, the Maine average 30-year fixed rate of 7.19% means a monthly principal and interest payment of about $3,400, or 60% of the city’s $67,701 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Bar Harbor is updated every night from live Maine mortgage rates and U.S. Census Bureau income, home value and housing cost data for the city. A score of 100 equals the national average; higher scores mean homeownership is more affordable.

Bar Harbor MBR-HAI 61.9 Significantly Less Affordable
Rank in Maine 128 of 128 1 = most affordable
Maine 95.4 Statewide score
National 97.4 100 = baseline
Avg 30-yr rate 7.19% Maine lenders
Median home value $626,900 U.S. Census Bureau

Bar Harbor is 33.5 points below the Maine score. Scores as of October 30, 2026. See the Maine index

View Bar Harbor Mortgage Rates

What It Takes to Buy in Bar Harbor

$3,400/mo
Principal & Interest
Median home, 20% down, 7.19%
$145,700
Income Needed
To keep the payment at 28% of income
$67,701
Median Household Income
Maine: $74,733
9.3x
Price-to-Income Ratio
Maine: 4.0x
$1,721/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$4,399/yr
Median Property Tax
0.70% of median value
38.8%
Owner Cost Burden
Owners spending 30%+ of income on housing
41.3%
Renter Cost Burden
Renters spending 30%+ of income on rent

Source: U.S. Census Bureau American Community Survey 5-Year Estimates (2024) for Bar Harbor, Maine. The rate is the Maine average 30-year fixed rate from MonitorBankRates, since lenders publish rates by state.

How Bar Harbor Ranks in Maine

Cities with similar scores
#125Southwest Harbor67.2 #126Falmouth67.0 #127Naples66.5
#128Bar Harbor61.9
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Cite the Bar Harbor Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Bar Harbor, Maine score: 61.9 (Significantly Less Affordable), ranked 128 of 128 Maine cities. monitorbankrates.com/housing-affordability-index/maine/bar-harbor”