Total monthly cost of ownership
Cost to Own a Home in Winterport, Maine
A $238,000 home here costs
$1,965per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $1,224. The real number is $741 higher every month — 61% 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.
Winterport against Waldo County and Maine
| Measure | Winterport | Waldo County |
|---|---|---|
| Median home value | $237,900 | $239,100 |
| Median property tax | $1,760 | $2,593 |
| Effective tax rate | 0.740% | 1.084% |
| Median gross rent | $667 | $969 |
| Population | 1,043 | 40,006 |
The weather behind that power bill
Winterport sits in Waldo County, which averages a high of 77.0°F in its hottest month and a low of 10.2°F in its coldest, with 48.78" of precipitation a year and 30% of it in a single three-month stretch. That climate drives 204 cooling and 7,785 heating degree days, which is what sets the $257 electricity line above.
See the full climate breakdown for Waldo County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in Waldo County
Common questions
How much does it cost to own a home in Winterport?
A $238,000 home in Winterport, Maine costs approximately $1,965 per month with 20% down at 6.66%. That is $1,224 principal and interest, $147 property tax, $71 homeowners insurance, $325 utilities and $198 set aside for maintenance.
What is the property tax rate in Winterport?
Winterport has an effective property tax rate of 0.740%, based on a median home value of $237,900 and median real estate taxes of $1,760. That is lower than the Waldo County average of 1.084%.
What is the average home price in Winterport?
The median owner-occupied home value in Winterport, Maine is $237,900, against $239,100 across Waldo County.
Is it cheaper to rent or buy in Winterport?
Median gross rent in Winterport is $667 a month, against $1,965 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 Winterport — 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.