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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

Hartland, ME Housing Affordability Index

Hartland, Maine has an MBR Housing Affordability Index score of 198.9 (Highly Affordable) as of October 30, 2026, ranking 5th most affordable of 128 scored Maine cities, compared with 95.4 statewide and 97.4 nationally. On a median-priced $78,600 home with 20% down, the Maine average 30-year fixed rate of 7.19% means a monthly principal and interest payment of about $426, or 10% of the city’s $52,857 median household income.

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

Hartland MBR-HAI 198.9 Highly Affordable
Rank in Maine 5 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 $78,600 U.S. Census Bureau

Hartland is 103.4 points above the Maine score. Scores as of October 30, 2026. See the Maine index

View Hartland Mortgage Rates

What It Takes to Buy in Hartland

$426/mo
Principal & Interest
Median home, 20% down, 7.19%
$18,300
Income Needed
To keep the payment at 28% of income
$52,857
Median Household Income
Maine: $74,733
1.5x
Price-to-Income Ratio
Maine: 4.0x
$736/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$1,635/yr
Median Property Tax
2.08% of median value
7.0%
Owner Cost Burden
Owners spending 30%+ of income on housing
28.9%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Hartland Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Hartland, Maine score: 198.9 (Highly Affordable), ranked 5 of 128 Maine cities. monitorbankrates.com/housing-affordability-index/maine/hartland”