The calculator below is pre-filled with York County's own property tax rate and insurance average (expand "More options" to see or edit them) — not just Maine's statewide figures.

York County at a glance

Effective property tax rate: 0.96% of home value / year
Median home price: $543,500
Conforming loan limit (1-unit, 2026): $832,750

County data last updated 2026-08-20. FIPS 23031. Full source list on /methodology.

York County, ME mortgage payment calculator

All-in cost first, always — pre-filled with York County tax and insurance figures. Estimate only, not a loan quote or pre-approval.

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Mortgage points calculator

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Related reading

Closing Costs in Maine: What You'll Actually Pay

Maine's transfer tax splits 50-50 by statute, so a buyer at the $428,478 median pays only $943 — yet cash to close at 20% down still tops $100,000.

What Is PMI, and How Do You Get Rid of It?

Private mortgage insurance explained in plain English — what it costs, why it exists, the exact federal rules for cancelling it, and how to work out the month your PMI is scheduled to end.

Guides & templates

Buying a Home With Someone Else

The operational guide to buying property with a partner, friend, sibling, or parent — credit and DTI mechanics, title vesting, a clause-by-clause co-ownership agreement, and how the exit actually works.

The First-Time Buyer's Playbook: 12 Months to Closing Day

A month-by-month plan for the year before you buy: what to do in each phase, what never to touch, how to document every dollar, and how to survive closing day.

Maine at a glance

Median home price: $428,478
Typical closing costs: 2%–5% of price
Transfer tax: 0.44% of sale price, customarily paid by split between buyer and seller
Closing custom: varies
Homestead exemption: Maine's homestead exemption reduces the assessed value of a permanent resident's primary home by $25,000 for property tax purposes (not an automatic credit — must file an application with the municipality by April 1). Requires the applicant to have owned a home in Maine for the preceding 12 months and to occupy the property as a permanent residence. Effective for tax years beginning April 1, 2026, the full $25,000 exemption is extended to homeowners age 65+ or veterans regardless of the municipality's assessment ratio (previously the effective benefit could be reduced in municipalities assessing below 100% of value).

First-time buyer / down payment assistance programs

MaineHousing First Home Loan Program
MaineHousing's (Maine State Housing Authority) primary low fixed-rate first mortgage for first-time homebuyers statewide, with options for little-to-no down payment; can be paired with the 'Advantage' down payment/closing-cost assistance option.
MaineHousing Advantage Down Payment and Closing Cost Assistance
$5,000 toward down payment/closing costs, provided as part of a First Home Loan (not a separate second mortgage, no added interest rate) — $8,000/$11,000/$14,000 for 2/3/4-unit properties respectively under the Multi-Unit Advantage variant. Usable with FHA, VA, RD, and MaineHousing Self-Insured/Uninsured mobile home loans.