Market Overview
Home Prices in Waterboro, ME
The median home value in Waterboro, ME is $412,361 as of mid-2026, according to Zillow's Home Value Index (ZHVI).That's down 1.6% compared to a year ago and up 5.2% from two years prior.
Compared to the U.S. national median of $410,000, homes in Waterboro are priced1% above average. Waterboro is part of the Portland-South Portland, ME metro area.
Over the past five years, Waterboro home values have risen by approximately30.9%, reflecting strong long-term appreciation in this market.
Price History
Waterboro Home Price Trend
City Comparison
Waterboro vs. National Median
At $412,361, homes in Waterboro cost 1% above the national median of $410,000. Buyers in Waterboro should expect to pay a premium compared to most U.S. markets.
Affordability
What Does It Cost to Buy in Waterboro?
20% Down Payment
$82,472
on $412,361
Monthly P&I
$2,151/mo
30-yr @ 6.8%
Total Monthly Est.
~$2,732/mo
incl. taxes & insurance
Income Needed
$109,280
gross annual (30% rule)
10% Down Option
$41,236
+ PMI applies
Loan Amount (20% dn)
$329,889
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 Waterboro, ME?
The median home value in Waterboro is $412,361 as of mid-2026, according to Zillow's Home Value Index (ZHVI). That's down 1.6% year-over-year.
How much have home prices changed in Waterboro?
Over the past year, home values in Waterboro have decreased by 1.6%. Over five years, prices have risen approximately 30.9%.
How much do I need to earn to buy a home in Waterboro?
To comfortably afford the median home price of $412,361 with a 20% down payment ($82,472) at today's rates (6.8%), you'd need a gross annual income of approximately $109,280. This assumes keeping total housing costs at or below 30% of gross income.
How does Waterboro compare to the national average home price?
The national median home value is approximately $410,000. At $412,361, homes in Waterboro are 1% above the national average.
What metro area is Waterboro part of?
Waterboro is part of the Portland-South Portland, ME metropolitan area. Home prices and market conditions can vary across the broader metro region.