Total monthly cost of ownership
Cost to Own a Home in Bath, Maine
A $285,000 home here costs
$2,423per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,465. The real number is $958 higher every month — 65% more than the payment most buyers budget for.
Where every dollar goes
Only the first line is a mortgage payment. Change any assumption above and every figure below recalculates.
Bath against Sagadahoc County and Maine
| Measure | Bath | Sagadahoc County |
|---|---|---|
| Median home value | $285,400 | $300,200 |
| Median property tax | $3,730 | $3,365 |
| Effective tax rate | 1.307% | 1.121% |
| Median gross rent | $967 | $1,050 |
| Population | 8,801 | 37,093 |
The weather behind that power bill
Bath sits in Sagadahoc County, which averages a high of 78.6°F in its hottest month and a low of 9.6°F in its coldest, with 48.45" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 259 cooling and 7,668 heating degree days, which is what sets the $257 electricity line above.
See the full climate breakdown for Sagadahoc County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Sagadahoc County
Full Sagadahoc County cost breakdown · Every county in Maine
Common questions
How much does it cost to own a home in Bath?
A $285,000 home in Bath, Maine costs approximately $2,423 per month with 20% down at 6.66%. That is $1,465 principal and interest, $310 property tax, $85 homeowners insurance, $325 utilities and $238 set aside for maintenance.
What is the property tax rate in Bath?
Bath has an effective property tax rate of 1.307%, based on a median home value of $285,400 and median real estate taxes of $3,730. That is higher than the Sagadahoc County average of 1.121%.
What is the average home price in Bath?
The median owner-occupied home value in Bath, Maine is $285,400, against $300,200 across Sagadahoc County.
Is it cheaper to rent or buy in Bath?
Median gross rent in Bath is $967 a month, against $2,423 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
Sources & methodology
- Median home value, real estate taxes, gross rent and population for Bath — US Census Bureau, American Community Survey ACS 2023 5-Year, place-level tables.
- Homeowners insurance — NAIC average premium for Maine.
- Electricity price — EIA Electric Power Monthly Table 5.6.A.
- Mortgage rate — Freddie Mac PMMS, refreshed weekly.
- Maintenance (1%/yr) and water and sewer ($68/mo) are national estimates. Every assumption above is editable.