The typical owner-occupied home in Winter Harbor is worth about $240,300, 19% below the Maine median of $296,600 and 28% below the national median of $332,700. Owners pay a median $1,453 a year in property taxes, about 0.60% of their home's value, lower than the Maine rate of 1.02%. The median household earns $86,667 a year, so the median home costs 2.8 times the median income (4.0 times for Maine). 79% of occupied homes here are lived in by their owners, and 39% of those owners still have a mortgage.
Winter Harbor at a glance
| Winter Harbor | Maine | U.S. | |
|---|---|---|---|
| Median home value | $240,300 | $296,600 | $332,700 |
| Median property tax paid per year | $1,453 | $3,036 | $3,119 |
| Property tax as a share of value | 0.60% | 1.02% | 0.94% |
| Median household income | $86,667 | $74,733 | $80,734 |
| Homes lived in by their owners | 79% | 74% | 65% |
| Owner homes with a mortgage | 39% | 58% | 61% |
| Median monthly costs, owners with a mortgage | $1,260 | $1,729 | $1,963 |
| Those costs as a share of the owners' income | 15.6% | 20.6% | 21.0% |
| Median rent | – | $1,139 | $1,413 |
| Rent as a share of renters' income | 30.8% | 29.4% | 30.6% |
| Median year homes were built | 1973 | 1977 | 1980 |
| Vacant homes | 48.8% | 20.6% | 10.1% |
| Population | 371 | 1,387,817 | 334,922,499 |
What a typical home costs per month in Winter Harbor
At this week's average 30-year rate of 7.11%, buying the median Winter Harbor home of $240,300 with 20% down costs about $1,513 a month, including property taxes and insurance. With an FHA loan and 3.5% down, it's about $1,914, because the loan is bigger and FHA adds mortgage insurance.
Lenders usually want housing costs under about 28% of gross income, which means an income of roughly $64,864 for the 20%-down payment. That payment is 21% of the median Winter Harbor household income of $86,667; at that income and 20% down, the 28% guideline points to a home of about $321,000.
| Down payment | $48,060 |
|---|---|
| Loan amount | $192,240 |
| Principal and interest | $1,293 |
| Property taxes (0.60% a year) | $120 |
| Homeowners insurance (our estimate, 0.5% a year) | $100 |
| PMI | $0 |
| Total per month | $1,513 |
Change the numbers in the calculator
| Down payment | $8,410 |
|---|---|
| Loan amount | $235,948 |
| Principal and interest | $1,587 |
| Property taxes (0.60% a year) | $120 |
| Homeowners insurance (our estimate, 0.5% a year) | $100 |
| FHA mortgage insurance | $106 |
| Total per month | $1,914 |
Change the numbers in the calculator
Questions about home buying in Winter Harbor
What is the median home value in Winter Harbor?
About $240,300 for owner-occupied homes, according to the Census Bureau's 2020–2024 American Community Survey.
How much are property taxes in Winter Harbor?
Homeowners pay a median $1,453 a year, which is about 0.60% of the median home value. Your bill depends on your home's assessed value and local rates.
What income do you need to buy a home in Winter Harbor?
For the median home with 20% down at 7.11%, the payment is about $1,513 a month. Keeping that under 28% of gross income takes about $64,864 a year.
More about Winter Harbor
- Mortgage Refinance in Winter Harbor
- Debt Relief in Winter Harbor
- Home Equity Loans in Winter Harbor
- Guides and quotes for mortgage refinance on our sister site, MortgageRefinance.com
Sources: U.S. Census Bureau, American Community Survey 2020–2024 5-year estimates; Freddie Mac Primary Mortgage Market Survey, week of November 12, 2026. Estimates for small places have wide margins of error. About our data