Total monthly cost of ownership
Cost to Own a Home in Lewiston, Maine
A $214,000 home here costs
$1,905per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,100. The real number is $805 higher every month — 73% 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.
Lewiston against Androscoggin County and Maine
| Measure | Lewiston | Androscoggin County |
|---|---|---|
| Median home value | $214,200 | $232,000 |
| Median property tax | $2,859 | $2,913 |
| Effective tax rate | 1.335% | 1.256% |
| Median gross rent | $954 | $966 |
| Population | 37,886 | 112,323 |
The weather behind that power bill
Lewiston sits in Androscoggin County, which averages a high of 79.9°F in its hottest month and a low of 11.6°F in its coldest, with 45.18" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 485 cooling and 7,271 heating degree days, which is what sets the $257 electricity line above.
See the full climate breakdown for Androscoggin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Androscoggin County
Full Androscoggin County cost breakdown · Every county in Maine
Common questions
How much does it cost to own a home in Lewiston?
A $214,000 home in Lewiston, Maine costs approximately $1,905 per month with 20% down at 6.66%. That is $1,100 principal and interest, $238 property tax, $63 homeowners insurance, $325 utilities and $178 set aside for maintenance.
What is the property tax rate in Lewiston?
Lewiston has an effective property tax rate of 1.335%, based on a median home value of $214,200 and median real estate taxes of $2,859. That is higher than the Androscoggin County average of 1.256%.
What is the average home price in Lewiston?
The median owner-occupied home value in Lewiston, Maine is $214,200, against $232,000 across Androscoggin County.
Is it cheaper to rent or buy in Lewiston?
Median gross rent in Lewiston is $954 a month, against $1,905 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 Lewiston — 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.