WhereCanIAfford › Portland, ME › On $125,000

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

NO On $125,000/yr, the typical $536,605 home in Portland, ME needs $168,001/yr ($3,920/mo). Your gap: $-43,001 — housing would be 37.6% of your gross income.

The math

536,605 price − 10% down (53,661) = 482,944 loan
30-yr fixed at 7.18% on 482,944 = 3,272/mo principal+interest
+ 648/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,920/mo PITI ÷ 0.28 = 14,000/mo → 168,001/yr required

against Zillow ZHVI 2026-09 and the 7.18% FRED 30-yr rate (2026-11-05).

What salary WOULD clear Portland, ME?

You need about $168,001/yr for the typical home. That's $43,001 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 →