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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

Northeast Harbor, ME Housing Affordability Index

Northeast Harbor, Maine has an MBR Housing Affordability Index score of 88.6 (Moderately Less Affordable) as of October 30, 2026, ranking 94th most affordable of 128 scored Maine cities, compared with 95.4 statewide and 97.4 nationally. On a median-priced $729,700 home with 20% down, the Maine average 30-year fixed rate of 7.19% means a monthly principal and interest payment of about $3,957, or 51% of the city’s $92,415 median household income.

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

Northeast Harbor MBR-HAI 88.6 Moderately Less Affordable
Rank in Maine 94 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 $729,700 U.S. Census Bureau

Northeast Harbor is 6.8 points below the Maine score. Scores as of October 30, 2026. See the Maine index

View Northeast Harbor Mortgage Rates

What It Takes to Buy in Northeast Harbor

$3,957/mo
Principal & Interest
Median home, 20% down, 7.19%
$169,600
Income Needed
To keep the payment at 28% of income
$92,415
Median Household Income
Maine: $74,733
7.9x
Price-to-Income Ratio
Maine: 4.0x
$800/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,804/yr
Median Property Tax
0.52% of median value
24.3%
Owner Cost Burden
Owners spending 30%+ of income on housing
23.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Northeast Harbor Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Northeast Harbor, Maine score: 88.6 (Moderately Less Affordable), ranked 94 of 128 Maine cities. monitorbankrates.com/housing-affordability-index/maine/northeast-harbor”