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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

Wilton, ME Housing Affordability Index

Wilton, Maine has an MBR Housing Affordability Index score of 100.8 (Near National Average) as of October 30, 2026, ranking 70th most affordable of 128 scored Maine cities, compared with 95.4 statewide and 97.4 nationally. On a median-priced $166,200 home with 20% down, the Maine average 30-year fixed rate of 7.19% means a monthly principal and interest payment of about $901, or 22% of the city’s $48,177 median household income.

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

Wilton MBR-HAI 100.8 Near National Average
Rank in Maine 70 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 $166,200 U.S. Census Bureau

Wilton is 5.4 points above the Maine score. Scores as of October 30, 2026. See the Maine index

View Wilton Mortgage Rates

See What You Can Afford in Wilton, Maine

Use this Wilton, 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 Wilton median income of $48,177, with no other debts and $33,000 down, can afford a home of about $151,942, compared with a median home value of $166,200. Buying the median priced home with 20% down takes a household income of about $53,500 once property tax and insurance are counted.

Wilton median (Census)
Car, student loan, card minimums
Under 20% adds PMI
Maine average, 30-year fixed
Wilton median bill (Census)
Estimate; use your quote
You can afford a home up to
$151,942
Below the Wilton median home value of $166,200
Loan amount$118,942
Principal & interest$806/mo
Property tax$255/mo
Home insurance$63/mo
PMI$0/mo
Total monthly payment$1,124/mo
Compare Wilton Mortgage Rates

How much house can you afford in Wilton?

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 Wilton, property taxes run about 2.01% 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 $2,236 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 Wilton

$901/mo
Principal & Interest
Median home, 20% down, 7.19%
$38,600
Income Needed
To keep principal and interest at 28% of income
$48,177
Median Household Income
Maine: $74,733
3.4x
Price-to-Income Ratio
Maine: 4.0x
$858/mo
Median Owner Costs
Mortgage, taxes, insurance, utilities
$3,344/yr
Median Property Tax
Maine figure
46.7%
Owner Cost Burden
Owners spending 30%+ of income on housing
32.4%
Renter Cost Burden
Renters spending 30%+ of income on rent

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

Cite the Wilton Score

“MonitorBankRates (MBR) Housing Affordability Index, MonitorBankRates.com, October 30, 2026. Wilton, Maine score: 100.8 (Near National Average), ranked 70 of 128 Maine cities. monitorbankrates.com/housing-affordability-index/maine/wilton”