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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

Clinton, ME Housing Affordability Index

Clinton, Maine has an MBR Housing Affordability Index score of 134.3 (Highly Affordable) as of October 30, 2026, ranking 30th most affordable of 128 scored Maine cities, compared with 95.4 statewide and 97.4 nationally. On a median-priced $163,800 home with 20% down, the Maine average 30-year fixed rate of 7.19% means a monthly principal and interest payment of about $888, or 15% of the city’s $70,625 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Clinton 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.

Clinton MBR-HAI 134.3 Highly Affordable
Rank in Maine 30 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 $163,800 U.S. Census Bureau

Clinton is 38.9 points above the Maine score. Scores as of October 30, 2026. See the Maine index

View Clinton Mortgage Rates

See What You Can Afford in Clinton, Maine

Use this Clinton, Maine home affordability calculator to see how much house you can afford at today’s Maine average 30-year mortgage rate of 7.19%. A household earning the Clinton median income of $70,625, with no other debts and $33,000 down, can afford a home of about $202,458, compared with a median home value of $163,800. Buying the median priced home with 20% down takes a household income of about $52,900 once property tax and insurance are counted.

Clinton median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Maine average, 30-year fixed
Clinton median bill (Census)
Estimate; use your quote
You can afford a home up to
$202,458
At or above the Clinton median home value of $163,800
Loan amount$169,458
Principal & interest$1,149/mo
Property tax$344/mo
Home insurance$84/mo
PMI$71/mo
Total monthly payment$1,648/mo
Compare Clinton Mortgage Rates

How much house can you afford in Clinton?

Most lenders use two limits. Your housing payment, including principal, interest, property tax, homeowners insurance and any PMI, should stay under about 28% of your gross monthly income, and all of your monthly debt payments together should stay under about 36%. The calculator takes whichever limit is lower, then works backward from that payment to the most expensive home it covers at the current rate.

In Clinton, property taxes run about 2.04% of a home’s value each year, based on the Census median tax bill, which counts against the same monthly budget as the mortgage. Each quarter point move in mortgage rates changes the price you can afford by roughly $3,038 for a median income household. A larger down payment, paying down other debts, or a lower rate from a local lender all raise your budget.

What It Takes to Buy in Clinton

$888/mo
Principal & Interest
Median home, 20% down, 7.19%
$38,100
Income Needed
To keep principal and interest at 28% of income
$70,625
Median Household Income
Maine: $74,733
2.3x
Price-to-Income Ratio
Maine: 4.0x
$735/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,344/yr
Median Property Tax
Maine figure
27.5%
Owner Cost Burden
Owners spending 30%+ of income on housing
46.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Clinton Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Clinton, Maine score: 134.3 (Highly Affordable), ranked 30 of 128 Maine cities. monitorbankrates.com/housing-affordability-index/maine/clinton”