WhereCanIAfford › Portland, ME › On $125,000

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

NO On $125,000/yr, the typical $549,963 home in Portland, ME needs $165,222/yr ($3,855/mo). Your gap: $-40,222 — housing would be 37% of your gross income.

The math

549,963 price − 10% down (54,996) = 494,967 loan
30-yr fixed at 6.69% on 494,967 = 3,191/mo principal+interest
+ 665/mo est. taxes+insurance (1.45%/yr of value — national placeholder)
3,855/mo PITI ÷ 0.28 = 13,768/mo → 165,222/yr required

against Zillow ZHVI 2026-06 and the 6.69% FRED 30-yr rate (2026-08-06).

What salary WOULD clear Portland, ME?

You need about $165,222/yr for the typical home. That's $40,222 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 →