Somerset County, ME Average Home Price (2026)
The average home price in Somerset County, Maine is about $229,000 (the 2026 median across 23 ZIP codes, at ~$220/sq ft) — 35% more affordable than the Maine median and 21% more affordable than the typical U.S. home.
How Somerset County compares
Somerset County is about average for housing nationally: its typical home costs $229,000 against $351,000 for Maine and $289,000 for the U.S. Within the county, ZIP-level values run from about $176,000 to $1,011,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Somerset County | $229,000 | $220 |
| Maine | $351,000 | $259 |
| United States | $289,000 | $193 |
Somerset County home prices by ZIP code
The 15 most valuable ZIP codes in Somerset County (of 23 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 04925 Caratunk | $1,011,000 | $532 | +341% |
| 04478 Rockwood | $716,000 | $377 | +213% |
| 04912 Athens | $469,000 | $247 | +105% |
| 04958 Embden | $292,000 | $236 | +28% |
| 04923 Cambridge | $277,000 | $146 | +21% |
| 04978 Smithfield | $273,000 | $218 | +19% |
| 04924 Canaan | $245,000 | $268 | +7% |
| 04957 Norridgewock | $244,000 | $188 | +7% |
| 04937 Fairfield | $242,000 | $194 | +6% |
| 04929 Detroit | $238,000 | $352 | +4% |
| 04965 Palmyra | $236,000 | $220 | +3% |
| 04971 St Albans | $229,000 | $233 | +0% |
| 04945 Jackman | $229,000 | $230 | +0% |
| 04976 Skowhegan | $228,000 | $185 | +0% |
| 04950 Madison | $215,000 | $171 | -6% |
Home value appreciation in Somerset County
Home prices in Somerset County have risen about 119% over the last 10 years (≈8.2% a year) and +112.7% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +9.7% — still rising. A home worth $229,000 today was worth roughly $104,566 ten years ago.
See where that trend takes a specific home with the home appreciation calculator — statewide, Maine is +112.4% over the same 10 years. Past appreciation is a track record, not a forecast; local prices can fall.
Calculators for Somerset County
Run the numbers for Somerset County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Somerset County
To buy the typical $229,000 home in Somerset County with 20% down, you need a household income of roughly $62,000 a year (about $1,450 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $74,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $11,500 | $1,810/mo | $77,000/yr |
| 10% (+PMI) | $22,900 | $1,730/mo | $74,000/yr |
| 20% | $45,800 | $1,450/mo | $62,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in Somerset County
At about $220 per square foot, here is roughly how much home different budgets get you in Somerset County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 680 sq ft | below the local median — condos, smaller or older homes |
| $200k | 910 sq ft | around the typical home here |
| $250k | 1140 sq ft | around the typical home here |
| $300k | 1360 sq ft | above the median — larger homes or the pricier ZIPs |
| $400k | 1820 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens filtered to Maine.
Estimate a specific home in Somerset County
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Somerset County home prices: frequently asked
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Browse all Maine cities and counties, or look up price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research; FHFA house price index; Census ZIP-to-county relationships), not appraisals.