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Homeownership is to the American dream. It offers , security, community, and countless other benefits. Yet for many Maine residents, the dream feels increasingly out of reach—even as and fall. Near-record prices have made homes hard to come by and often even harder to afford, leaving buyers and sellers and younger generations .

But affordable pockets still exist. In cities across the state, residents can comfortably spend around 30% of their income or less on housing, which is widely considered the affordable threshold.

To find out where these cities are, ranked the most affordable cities in Maine, based on their local payment to income ratios. All data is an average for the January-October 2025 period. To see the most affordable cities in the country, read this .

#1. Gorham, Maine
- Payment to income ratio: 29.4%
- Median sale price: $480,639
- Median household income: $125,058
- Income needed to buy: $122,737
- Median monthly mortgage payment: $3,068
- See homes for sale in Gorham on

#2. Sanford, Maine
- Payment to income ratio: 38.3%
- Median sale price: $352,867
- Median household income: $70,570
- Income needed to buy: $90,109
- Median monthly mortgage payment: $2,253
- See homes for sale in Sanford on

#3. Westbrook, Maine
- Payment to income ratio: 41.2%
- Median sale price: $461,276
- Median household income: $85,868
- Income needed to buy: $117,793
- Median monthly mortgage payment: $2,945
- See homes for sale in Westbrook on

#4. North Windham, Maine
- Payment to income ratio: 41.4%
- Median sale price: $469,996
- Median household income: $86,972
- Income needed to buy: $120,020
- Median monthly mortgage payment: $3,000
- See homes for sale in North Windham on

#5. Brunswick, Maine
- Payment to income ratio: 42.2%
- Median sale price: $375,585
- Median household income: $68,190
- Income needed to buy: $95,910
- Median monthly mortgage payment: $2,398
- See homes for sale in Brunswick on

#6. Topsham, Maine
- Payment to income ratio: 43.2%
- Median sale price: $454,574
- Median household income: $80,545
- Income needed to buy: $116,081
- Median monthly mortgage payment: $2,902
- See homes for sale in Topsham on

#7. Bath, Maine
- Payment to income ratio: 44.9%
- Median sale price: $384,188
- Median household income: $65,565
- Income needed to buy: $98,107
- Median monthly mortgage payment: $2,453
- See homes for sale in Bath on

#8. South Portland, Maine
- Payment to income ratio: 51.2%
- Median sale price: $565,343
- Median household income: $84,563
- Income needed to buy: $144,367
- Median monthly mortgage payment: $3,609
- See homes for sale in South Portland on

#9. Saco, Maine
- Payment to income ratio: 51.4%
- Median sale price: $566,023
- Median household income: $84,328
- Income needed to buy: $144,541
- Median monthly mortgage payment: $3,614
- See homes for sale in Saco on

#10. Old Orchard Beach, Maine
- Payment to income ratio: 59.9%
- Median sale price: $514,809
- Median household income: $65,842
- Income needed to buy: $131,463
- Median monthly mortgage payment: $3,287
- See homes for sale in Old Orchard Beach on

#11. Portland, Maine
- Payment to income ratio: 60.5%
- Median sale price: $601,129
- Median household income: $76,174
- Income needed to buy: $153,506
- Median monthly mortgage payment: $3,838
- See homes for sale in Portland on

#12. Kennebunk, Maine
- Payment to income ratio: 62.4%
- Median sale price: $758,325
- Median household income: $93,167
- Income needed to buy: $193,648
- Median monthly mortgage payment: $4,841
- See homes for sale in Kennebunk on

#13. Yarmouth, Maine
- Payment to income ratio: 69.5%
- Median sale price: $836,865
- Median household income: $92,311
- Income needed to buy: $213,704
- Median monthly mortgage payment: $5,343
- See homes for sale in Yarmouth on

#14. Kittery, Maine
- Payment to income ratio: 70.3%
- Median sale price: $656,586
- Median household income: $71,574
- Income needed to buy: $167,668
- Median monthly mortgage payment: $4,192
- See homes for sale in Kittery on