Total monthly cost of ownership
Cost to Own a Home in York Harbor, Maine
A $562,000 home here costs
$4,332per month, all in, with 20% down at today's 7.24% 30-year fixed rate. By the 28% rule that takes a household income of about $185,500 a year.
A standard mortgage calculator would have told you $3,064. The real number is $1,268 higher every month, 41% more than the payment most buyers budget for.
Compare York County with anywhere in America · full county breakdown
Small-place caveat: the Census publishes these figures for York Harbor from a five-year rolling sample, and with about 3,853 residents that sample is small. The median home value here carries a much wider margin of error than a big-city figure does, so treat it as indicative rather than exact. The York County figures are drawn from a far larger sample if you want a steadier number.
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 $177 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
Talk to someone who works this market
These are York Harbor averages. What one specific house costs to own, or what it would sell for today, depends on the street and the condition of the place. We will connect you with one licensed local agent who works York Harbor every week. Free, no obligation, and we never sell your details to a list.
I'm looking to buy in York Harbor I already own here and may sell
Common questions
How much does it cost to own a home in York Harbor?
A $562,000 home in York Harbor, Maine costs approximately $4,332 per month with 20% down at 7.24%. That is $3,064 principal and interest, $389 property tax, $167 homeowners insurance, $245 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 $4,332 to own the median home all in. Renting costs less month to month here, though renting builds no equity.
What salary do you need to buy a home in York Harbor?
Using the standard 28% rule, housing costs at no more than 28% of gross income, buying the median home in York Harbor, Maine at today's rate takes a household income of roughly $185,500 a year. That covers the full $4,332 monthly cost, not just the mortgage payment.
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.