Market Overview
Home Prices in Harpswell, ME
The median home value in Harpswell, ME is $739,611 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's up 1.8% compared to a year ago and down 2.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Harpswell are priced80% above average. Harpswell is part of the Portland-South Portland, ME metro area.
Over the past five years, Harpswell home values have risen by approximately28.7%, reflecting strong long-term appreciation in this market.
Price History
Harpswell Home Price Trend
City Comparison
Harpswell vs. National Median
At $739,611, homes in Harpswell cost 80% above the national median of $410,000. Buyers in Harpswell should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Harpswell?
20% Down Payment
$147,922
on $739,611
Monthly P&I
$3,857/mo
30-yr @ 6.8%
Total Monthly Est.
~$4,898/mo
incl. taxes & insurance
Income Needed
$195,920
gross annual (30% rule)
10% Down Option
$73,961
+ PMI applies
Loan Amount (20% dn)
$591,689
at current rates
Estimates assume a 30-year fixed mortgage at 6.8%. Monthly total includes estimated property taxes and homeowner's insurance. Actual costs vary.
FAQ
Frequently Asked Questions
What is the average home price in Harpswell, ME?
The median home value in Harpswell is $739,611 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's up 1.8% year-over-year.
How much have home prices changed in Harpswell?
Over the past year, home values in Harpswell have increased by 1.8%. Over five years, prices have risen approximately 28.7%.
How much do I need to earn to buy a home in Harpswell?
To comfortably afford the median home price of $739,611 with a 20% down payment ($147,922) at today's rates (6.8%), you'd need a gross annual income of approximately $195,920. This assumes keeping total housing costs at or below 30% of gross income.
How does Harpswell compare to the national average home price?
The national median home value is approximately $410,000. At $739,611, homes in Harpswell are 80% above the national average.
What metro area is Harpswell part of?
Harpswell is part of the Portland-South Portland, ME metropolitan area. Home prices and market conditions can vary across the broader metro region.