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City · 24,602 residents · Androscoggin County, Maine

Auburn , Maine

In Auburn, a typical home is worth $282,000 and typical rent is $1,041 a month. Compared with all of Androscoggin County, the typical home value is 12% higher and the share of households that own their home is 9 points lower.

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  • Typical home value

    $282,000

    12% above the county

    5% below Maine

    • Auburn
    • Androscoggin
    • Maine

  • Typical rent

    $1,041a month

    3% above the county

    9% below Maine

    • Auburn
    • Androscoggin
    • Maine

  • Typical household income

    $66,647a year

    About the same as the county

    11% below Maine

    • Auburn
    • Androscoggin
    • Maine

  • Households that own their home

    59%

    9 points below the county

    15 points below Maine

    • Auburn
    • Androscoggin
    • Maine

Source: U.S. Census Bureau, Average 2020–2024

Market now, with Zillow data

Zillow data
Typical home value
$324,283
0.8% more than 12 months ago
Typical rent
$1,706 a month
3% more than 12 months ago

From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).

Auburn is in Androscoggin County. The FHA loan limit ($541,287 for a one-unit home), the fair market rents and the help on this page are those of all of Androscoggin County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Auburn apart

What this place has that others do not, from public data, most unusual first.

  1. Nearby, in Lewiston, the typical home value is $235,100: 17% less than in Auburn ($282,000).

  2. 59% of households in Auburn own their home, against 68% in Androscoggin County.

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in Auburn

What homes there are in Auburn, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

Detached houses are the majority in Auburn (53%), but less so than in Androscoggin County (58%).

Year built

In Auburn, half of the homes were built before 1954; in Androscoggin County, before 1969.

By size, homes in Auburn look like those in Androscoggin County: 54% have 3 bedrooms or more.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes

About 90% of owner-occupied homes in Auburn are worth less than the FHA loan limit for Androscoggin County ($541,287).

Monthly rent with utilities

About 88% of rented homes in Auburn cost less than HUD's 2-bedroom fair market rent for Androscoggin County ($1,677).

With a mortgage

$1,686 a month

Androscoggin County: $1,615 a month

Without a mortgage

$773 a month

Androscoggin County: $642 a month

Owners with a mortgage

65%

Androscoggin County: 64%

In Auburn, 65% of owners have a mortgage; their typical cost is $1,686 a month, about the same as in Androscoggin County.

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

Since 2015–2019, homes in Auburn gained value faster than in Androscoggin County: 71% against 60%.

The typical rent in Auburn rose 32% since 2015–2019, about the same as in Androscoggin County (31%).

To compare: typical income in Auburn rose 34%; the home, +71%; the rent, +32%.

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureAuburnAndroscoggin CountyMaineUnited States
Rental vacancy Unreliable estimateUnreliable estimate4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate2.2%1.4%3.4%
People per household 2.292.332.262.53
Drive alone 75%72%71%69%
Carpool 10%9%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 3%3%4%3%
Work from home 12%14%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in Auburn has 2.29 people on average, about the same as in Androscoggin County (2.33).

In Auburn, 75% of workers drive alone to work; in Androscoggin County, 72%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in Auburn?

A typical home costs more than the typical income allows

We start with a typical home in Auburn, worth $282,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Auburn, which is $66,647 a year. For that payment to be 28% of income, a household would need to earn about $103,965 a year.

The calculator's FHA and conventional loan limits are those of all of Androscoggin County.

Your numbers

Local data
$

Starts at the typical home value in Auburn. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $9,870 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$2,426

at 7.18% · 30 years

Loan amount
$276,892
Total interest
$398,383
Paid off in
November 2056

Includes $4,762 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,555 a month

  • Tight

    $1,555 to $1,999 a month

  • Hard

    more than $1,999 a month

    Your payment · 44%

Compared with the typical household income in Auburn ($66,647 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,426
Principal & interest$1,876
Property tax$308
Home insurance$118
FHA mortgage insurance (MIP)$125

You need at least $9,870 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

Auburn and Androscoggin County

Auburn is in Androscoggin County, Maine. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

Auburn's own numbers

Typical home value
$282,000
Typical monthly rent
$1,041
Typical yearly household income
$66,647
Households that own their home
59%
Effective property tax rate
1.31%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Androscoggin County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,677
Price change over 5 years (FHFA)
+72%
Homes in a high flood-risk zone
1%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Androscoggin County.

Everything about Androscoggin County

Buying

Buying a home in Auburn

A typical home in Auburn is worth $282,000: 12% above the county and 5% below Maine. With the typical household income in Auburn ($66,647 a year), a typical home costs 4.2 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • Auburn 4.2 years
  • Androscoggin 3.7 years
  • Maine 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Androscoggin County

According to FHFA’s house price index, home prices in Androscoggin County rose 124% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Androscoggin County.

Period County Maine U.S.
Last year (2025) +7.0% +4.7% +2.9%
5 years (2020–2025) +72% +68% +47%
10 years (2015–2025) +124% +112% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

Auburn next to Androscoggin County, Maine and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • Auburn $282,000
  • Androscoggin $252,800
  • Maine $296,600
  • United States $332,700
Typical monthly rent
  • Auburn $1,041
  • Androscoggin $1,010
  • Maine $1,139
  • United States $1,413
Typical yearly household income
  • Auburn $66,647
  • Androscoggin $67,873
  • Maine $74,733
  • United States $80,734
See the full table
Auburn next to Androscoggin County and Maine
Measure Auburn Androscoggin County Maine U.S.
Typical home value $282,000 $252,800 $296,600 $332,700
Typical monthly rent $1,041 $1,010 $1,139 $1,413
Typical yearly household income $66,647 $67,873 $74,733 $80,734
Households that own their home 59% 68% 74% 65%
Typical yearly property tax $3,687 $2,940 $3,036 $3,119
Effective property tax rate 1.31% 1.16% 1.02% 0.94%
Renters with high rent for their income 53% 51% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Androscoggin County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in Auburn

For a typical $282,000 home in Auburn, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Auburn's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,426a month

    Least cash to close
    Down payment
    $9,870
    Cash to close
    $18,330
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $125

  • Conventional, 5% down $2,374a month

    Down payment
    $14,100
    Cash to close
    $22,560
    Rate
    7.18%
    Mortgage insurance
    PMI · $134

  • Conventional, 20% down, no PMI $1,954a month

    Down payment
    $56,400
    Cash to close
    $64,860
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,214a month

    Down payment
    $42,300
    Cash to close
    $50,760
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for Auburn and for Androscoggin County.

Property tax

Effective rate in Auburn

1.31%of the home’s value each year

$3,687 a year for the typical owner in Auburn.

  • Auburn 1.31%
  • Androscoggin 1.16%
  • Maine 1.02%

What Maine publishes Homestead exemption of up to $25,000 of value (Maine Revenue Services)

Exemptions and deadlines in Maine

Flood risk in Androscoggin County

FEMA does not publish these numbers by city: they are for all of Androscoggin County.

Homes in the high-risk zone
1%
354
Of those, with NFIP insurance
35%
County Maine U.S.
Homes in the high-risk zone 1% 1% 3.5%
Of those, with NFIP insurance 35% 79% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Auburn

Typical rent in Auburn is $1,041 a month: 3% above the county. In Auburn, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Androscoggin County, by unit size. To pay the 2-bedroom one ($1,677 a month) without spending more than 30% of your income, you would need to earn $32.25 an hour working full time.

HUD fair market rent for all of Androscoggin County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,210 $23.27 $48,400
1 bedroom $1,282 $24.65 $51,280
2 bedrooms $1,677 $32.25 $67,080
3 bedrooms $2,119 $40.75 $84,760
4 bedrooms $2,459 $47.29 $98,360

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in Auburn

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Auburn is in ZIP code 04210.

For 2 bedrooms it is $1,680: $3 more than the fair market rent for Androscoggin County ($1,677).

  • 04210 $1,680$2,120

A ZIP code counts for Auburn when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Low-income apartments

Low-income apartments in Auburn

HUD lists 18 buildings with rents for lower incomes in Auburn. These are the largest.

  • Lake Auburn Towne Hse 74 Lake Auburn Ave, Auburn 04210 191 homes, 177 low-income · Run by Auburn Housing Authority · Average payment: $617 a month · Average wait: 26 months (207) 784-7351
  • Barker Mill Arms 143 Mill St, Auburn 04210 117 homes, 111 low-income · For older adults
  • Auburn Esplanade 20 Great Falls Plz, Auburn 04210 101 homes, 100 low-income · For older adults
  • Roak Block 156 Main St, Auburn 04210 74 low-income homes · For older adults
  • Androscoggin Village II 9 Northern Avenue Hts, Auburn 70 low-income homes · 1 bd: 26 · 2 bd: 44 · In service since 1996

See all 62 buildings in Androscoggin County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Auburn

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

We found no HUD-approved agencies with an office in Androscoggin County. The nearest ones are below; many serve by phone or online.

An older man and his daughter go over papers with a professional.

HUD counseling is free or low-cost

Assistance programs in Auburn

No down payment, repair or rent-help program on our list is for Auburn or Androscoggin County. The ones below are statewide in Maine: they work in Auburn the same as in the rest of the state.

Which programs do I qualify for? All programs in Maine

  • First Home Loan Program — Advantage

    Statewide in Maine

    With the Maine state agency's First Home mortgage, the buyer gets $5,000 for the down payment and closing costs (up to $14,000 for 2- to 4-unit homes), with no second mortgage. Offered by MaineHousing.

    Grant

    See the program Official page

  • First Generation Program

    Statewide in Maine

    Maine state agency mortgage with a rate 1% lower than its First Home mortgage and a $10,000 grant for the down payment and closing costs, with no second mortgage; for people who have never owned a home and never lived in a home their parents or guardians owned, or who were in foster care. Offered by MaineHousing.

    Grant

    See the program Official page

Housing counselors near Auburn

The HUD-approved agencies closest to the center of Auburn, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Community Concepts, Inc. Also DBA Homequestmaine

    17 Market Sq, South Paris · 16 miles away · Spanish

    Also serves in American Sign Language (ASL) and French.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 6 more
    (207) 333-6419

  • Coastal Enterprises, Incorporated

    30 Federal Street, Brunswick · 18 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (207) 517-9877

  • Avesta Housing Development Corporation

    307 Cumberland Ave, Portland · 29 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 5 more
    (207) 553-7777

All counseling agencies in Maine

Help in Spanish near Auburn

2 of the 3 agencies on this list say they serve in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of Auburn

HUD’s record names them for Auburn or Androscoggin County. They run public housing or Section 8 vouchers. Ask whether their waiting list is open.

  • Auburn Housing Authority Public housing and Section 8 vouchers (207) 784-7351

One other authority has an office in Androscoggin County: see the list Source: HUD

Cities

Other cities in Androscoggin County

These cities are also in Androscoggin County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Androscoggin County Housing in Maine

Nearby cities

The cities closest to Auburn, with the typical home value.

Neighboring counties

If Androscoggin County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in Auburn.

All guides
A man and two girls read a book together on the sofa.

Questions

Housing questions about Auburn

Short answers with the numbers for Auburn and all of Androscoggin County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in Auburn?

The typical home value in Auburn is $282,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Androscoggin County it is $252,800.

How much does it cost to rent in Auburn?

Typical rent in Auburn is $1,041 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Androscoggin County is $1,677.

What is the FHA loan limit in Auburn?

Auburn uses the FHA limit for all of Androscoggin County (2026): $541,287 for a one-unit home and $1,041,125 for a four-unit home.

How much property tax do owners pay in Auburn?

The typical homeowner in Auburn pays $3,687 a year, according to the U.S. Census Bureau. That is 1.31% of the home’s value; in Androscoggin County, the rate is 1.16%.

Where can I find free help to buy or rent in Auburn?

We found no HUD-approved counseling agencies with an office in Androscoggin County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).