Total monthly cost of ownership
Cost to Own a Home in Wilton, Maine
A $164,000 home here costs
$1,543per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $843. The real number is $700 higher every month — 83% 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.
Wilton against Franklin County and Maine
| Measure | Wilton | Franklin County |
|---|---|---|
| Median home value | $163,500 | $176,700 |
| Median property tax | $2,262 | $1,897 |
| Effective tax rate | 1.383% | 1.074% |
| Median gross rent | $560 | $759 |
| Population | 1,822 | 30,145 |
The weather behind that power bill
Wilton sits in Franklin County, which averages a high of 76.4°F in its hottest month and a low of -0.3°F in its coldest, with 42.64" of precipitation a year and 29% of it in a single three-month stretch. That climate drives 136 cooling and 9,466 heating degree days, which is what sets the $257 electricity line above.
See the full climate breakdown for Franklin County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Franklin County
Common questions
How much does it cost to own a home in Wilton?
A $164,000 home in Wilton, Maine costs approximately $1,543 per month with 20% down at 6.66%. That is $843 principal and interest, $189 property tax, $49 homeowners insurance, $325 utilities and $137 set aside for maintenance.
What is the property tax rate in Wilton?
Wilton has an effective property tax rate of 1.383%, based on a median home value of $163,500 and median real estate taxes of $2,262. That is higher than the Franklin County average of 1.074%.
What is the average home price in Wilton?
The median owner-occupied home value in Wilton, Maine is $163,500, against $176,700 across Franklin County.
Is it cheaper to rent or buy in Wilton?
Median gross rent in Wilton is $560 a month, against $1,543 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 Wilton — 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.