WhereCanIAfford › Portland, ME › On $125,000

Is Portland, ME affordable on a $125,000 salary?

NO On $125,000/yr, the typical $542,063 home in Portland, ME needs $159,813/yr ($3,729/mo). Your gap: $-34,813 — housing would be 35.8% of your gross income.

The math

542,063 price − 10% down (54,206) = 487,857 loan
30-yr fixed at 6.47% on 487,857 = 3,074/mo principal+interest
+ 655/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,729/mo PITI ÷ 0.28 = 13,318/mo → 159,813/yr required

against Zillow ZHVI 2026-05 and the 6.47% FRED 30-yr rate (2026-06-18).

What salary WOULD clear Portland, ME?

You need about $159,813/yr for the typical home. That's $34,813 more than $125,000.

On $100,000? On $150,000? On $175,000?

See the full Portland, ME affordability breakdown → or every metro you can afford on $125,000 →