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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

Fort Fairfield, ME Housing Affordability Index

Fort Fairfield, Maine has an MBR Housing Affordability Index score of 117.6 (More Affordable Than Average) as of October 30, 2026, ranking 45th most affordable of 128 scored Maine cities, compared with 95.4 statewide and 97.4 nationally. On a median-priced $158,300 home with 20% down, the Maine average 30-year fixed rate of 7.19% means a monthly principal and interest payment of about $859, or 18% of the city’s $56,452 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Fort Fairfield 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.

Fort Fairfield MBR-HAI 117.6 More Affordable Than Average
Rank in Maine 45 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 $158,300 U.S. Census Bureau

Fort Fairfield is 22.2 points above the Maine score. Scores as of October 30, 2026. See the Maine index

View Fort Fairfield Mortgage Rates

What It Takes to Buy in Fort Fairfield

$859/mo
Principal & Interest
Median home, 20% down, 7.19%
$36,800
Income Needed
To keep the payment at 28% of income
$56,452
Median Household Income
Maine: $74,733
2.8x
Price-to-Income Ratio
Maine: 4.0x
$916/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$2,128/yr
Median Property Tax
1.34% of median value
31.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
47.1%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Fort Fairfield Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Fort Fairfield, Maine score: 117.6 (More Affordable Than Average), ranked 45 of 128 Maine cities. monitorbankrates.com/housing-affordability-index/maine/fort-fairfield”