Waldo County, ME Average Home Price (2026)
The average home price in Waldo County, Maine is about $313,000 (the 2026 median across 18 ZIP codes, at ~$230/sq ft) — 11% more affordable than the Maine median and 8% more expensive than the typical U.S. home.
How Waldo County compares
Waldo County is about average for housing nationally: its typical home costs $313,000 against $351,000 for Maine and $289,000 for the U.S. Within the county, ZIP-level values run from about $249,000 to $476,000.
| Area | Typical value | $ / sq ft |
|---|---|---|
| Waldo County | $313,000 | $230 |
| Maine | $351,000 | $259 |
| United States | $289,000 | $193 |
Waldo County home prices by ZIP code
The 15 most valuable ZIP codes in Waldo County (of 18 with data):
| ZIP code | Typical value | $ / sq ft | vs county |
|---|---|---|---|
| 04849 Lincolnville | $476,000 | $364 | +52% |
| 04848 Islesboro | $436,000 | $460 | +39% |
| 04915 Belfast | $382,000 | $255 | +22% |
| 04981 Stockton Springs | $369,000 | $226 | +18% |
| 04354 Palermo | $361,000 | $234 | +15% |
| 04949 Liberty | $333,000 | $306 | +6% |
| 04974 Searsport | $326,000 | $184 | +4% |
| 04952 Morrill | $321,000 | $224 | +3% |
| 04973 Searsmont | $319,000 | $269 | +2% |
| 04496 Winterport | $307,000 | $225 | -2% |
| 04941 Montville | $291,000 | $318 | -7% |
| 04951 Monroe | $289,000 | $203 | -8% |
| 04988 Unity | $289,000 | $211 | -8% |
| 04921 Brooks | $286,000 | $221 | -9% |
| 04922 Burnham | $269,000 | $243 | -14% |
Home value appreciation in Waldo County
Home prices in Waldo County have risen about 115% over the last 10 years (≈7.9% a year) and +98.0% over 20 years, according to the FHFA house price index through 2025. The most recent year came in at +7.1% — still rising. A home worth $313,000 today was worth roughly $145,785 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 Waldo County
Run the numbers for Waldo County with the local rates already filled in — change any input to test your own situation.
Salary needed to buy a home in Waldo County
To buy the typical $313,000 home in Waldo County with 20% down, you need a household income of roughly $85,000 a year (about $1,990 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $101,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $15,700 | $2,470/mo | $106,000/yr |
| 10% (+PMI) | $31,300 | $2,360/mo | $101,000/yr |
| 20% | $62,600 | $1,990/mo | $85,000/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 Waldo County
At about $230 per square foot, here is roughly how much home different budgets get you in Waldo County:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $150k | 650 sq ft | below the local median — condos, smaller or older homes |
| $200k | 870 sq ft | below the local median — condos, smaller or older homes |
| $250k | 1090 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1300 sq ft | around the typical home here |
| $400k | 1740 sq ft | around the typical home here |
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 Waldo County
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Waldo 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.