Total monthly cost of ownership
Cost to Own a Home in York Harbor, Maine
A $562,000 home here costs
$4,238per month, all in — with 20% down at today's 6.66% 30-year fixed rate.
A standard mortgage calculator would have told you $2,889. The real number is $1,349 higher every month — 47% 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.
York Harbor against York County and Maine
| Measure | York Harbor | York County |
|---|---|---|
| Median home value | $561,700 | $357,200 |
| Median property tax | $4,663 | $3,691 |
| Effective tax rate | 0.830% | 1.033% |
| Median gross rent | $1,258 | $1,239 |
| Population | 3,853 | 214,731 |
The weather behind that power bill
York Harbor sits in York County, which averages a high of 81.3°F in its hottest month and a low of 9.9°F in its coldest, with 51.31" of precipitation a year and 28% of it in a single three-month stretch. That climate drives 351 cooling and 7,430 heating degree days, which is what sets the $257 electricity line above.
See the full climate breakdown for York County — month by month temperatures, rainy season timing, snowfall and heating and cooling costs.
Other cities in York County
Common questions
How much does it cost to own a home in York Harbor?
A $562,000 home in York Harbor, Maine costs approximately $4,238 per month with 20% down at 6.66%. That is $2,889 principal and interest, $389 property tax, $167 homeowners insurance, $325 utilities and $468 set aside for maintenance.
What is the property tax rate in York Harbor?
York Harbor has an effective property tax rate of 0.830%, based on a median home value of $561,700 and median real estate taxes of $4,663. That is lower than the York County average of 1.033%.
What is the average home price in York Harbor?
The median owner-occupied home value in York Harbor, Maine is $561,700, against $357,200 across York County.
Is it cheaper to rent or buy in York Harbor?
Median gross rent in York Harbor is $1,258 a month, against $4,238 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 York Harbor — 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.