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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

Old Orchard Beach, ME Housing Affordability Index

Old Orchard Beach, Maine has an MBR Housing Affordability Index score of 75.1 (Moderately Less Affordable) as of October 30, 2026, ranking 117th most affordable of 128 scored Maine cities, compared with 95.4 statewide and 97.4 nationally. On a median-priced $366,600 home with 20% down, the Maine average 30-year fixed rate of 7.19% means a monthly principal and interest payment of about $1,988, or 40% of the city’s $60,050 median household income.

The MBR Housing Affordability Index (MBR-HAI) for Old Orchard Beach 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.

Old Orchard Beach MBR-HAI 75.1 Moderately Less Affordable
Rank in Maine 117 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 $366,600 U.S. Census Bureau

Old Orchard Beach is 20.3 points below the Maine score. Scores as of October 30, 2026. See the Maine index

View Old Orchard Beach Mortgage Rates

What It Takes to Buy in Old Orchard Beach

$1,988/mo
Principal & Interest
Median home, 20% down, 7.19%
$85,200
Income Needed
To keep the payment at 28% of income
$60,050
Median Household Income
Maine: $74,733
6.1x
Price-to-Income Ratio
Maine: 4.0x
$1,226/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,385/yr
Median Property Tax
0.92% of median value
38.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
46.2%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Old Orchard Beach Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Old Orchard Beach, Maine score: 75.1 (Moderately Less Affordable), ranked 117 of 128 Maine cities. monitorbankrates.com/housing-affordability-index/maine/old-orchard-beach”