Maine mortgage rates and costs by county, 2025
Median figures from closed, first-lien, owner-occupied home loans reported under HMDA. Each county page breaks the numbers down by lender. Counties with fewer than 5 qualifying loans are not listed; see the methodology.
| County | Purchase loans | Median rate | Median total costs | Refinance rate |
|---|---|---|---|---|
| Cumberland County | 3,006 | 6.575% | $4,602 | 6.375% |
| York County | 2,278 | 6.625% | $4,795 | 6.261% |
| Penobscot County | 1,453 | 6.588% | $4,648 | 6.375% |
| Kennebec County | 1,340 | 6.5% | $4,610 | 6.375% |
| Androscoggin County | 1,100 | 6.5% | $5,538 | 6.25% |
| Oxford County | 497 | 6.625% | $5,516 | 6.5% |
| Aroostook County | 460 | 6.5% | $4,258 | 6.5% |
| Hancock County | 412 | 6.624% | $4,653 | 6.625% |
| Somerset County | 404 | 6.5% | $5,229 | 6.375% |
| Waldo County | 371 | 6.542% | $4,900 | 6.375% |
| Sagadahoc County | 367 | 6.606% | $4,465 | 6.25% |
| Lincoln County | 342 | 6.625% | $5,162 | 6.5% |
| Knox County | 324 | 6.625% | $4,839 | 6.375% |
| Washington County | 218 | 6.75% | $4,489 | 6.625% |
| Franklin County | 208 | 6.625% | $5,132 | 6.25% |
| Piscataquis County | 164 | 6.625% | $4,717 | 6.625% |
Purchase loans sorted by loan count. Medians describe what closed loans looked like, under those borrowers' profiles and loan sizes; they are not quotes. Source: FFIEC HMDA Modified LAR, filing year 2025.