In Augusta, a typical home is worth $201,000 and typical rent is $919 a month. Compared with all of Kennebec County, typical household income is 31% lower, the typical home value is 16% lower, and the share of households that own their home is 20 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $208,163 to $276,497.
Typical rent
$1,549a month
▲ 4.2% more than 12 months ago
Typical rent from Zillow, June 2022 to September 2026: from $1,216 to $1,549.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Augusta is in Kennebec 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 Kennebec County. See the county
What this place has that others do not, from public data, most unusual first.
1
Augusta has the 2nd lowest typical household income of the 34 cities in Maine with more than 5,000 people ($47,979).
2
54% of households in Augusta own their home, against 74% in Kennebec County.
3
The typical home in Augusta is worth $201,000,16% less than in Kennebec County as a whole ($238,200).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Augusta
What homes there are in Augusta, 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 houseAttached houseBuilding of 2 to 4Apartments (5 or more)Mobile homeBoat, RV and otherUnreliable estimate
Augusta
Kennebec County
Maine
United States
Kind of home: Augusta and its comparisons
Measure
Augusta
Kennebec County
Maine
United States
Detached house
51%
68%
70%
61%
Attached house
Unreliable estimate
1%
3%
6%
Building of 2 to 4
18%
12%
10%
8%
Apartments (5 or more)
26%
10%
9%
19%
Mobile home
5%
10%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Augusta, 5 in 10 homes are single-family detached houses; in Kennebec County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or later
Augusta
Kennebec County
Maine
United States
Year built: Augusta and its comparisons
Measure
Augusta
Kennebec County
Maine
United States
Before 1960
45%
34%
34%
26%
1960–1979
26%
23%
20%
24%
1980–1999
18%
24%
25%
25%
2000–2009
7%
12%
12%
14%
2010 or later
5%
7%
9%
11%
The typical home in Augusta was built in 1965, 10 years before the typical one in Kennebec County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Under the limitOver the limitUnreliable estimate
Under $100K14%
$100K–$200K36%
$200K–$300K28%
$300K–$500K16%
$500K–$750K5%
FHA limit: $541,287
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Augusta and its comparisons
Measure
Augusta
Under $100K
14%
$100K–$200K
36%
$200K–$300K
28%
$300K–$500K
16%
$500K–$750K
5%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
By price, most homes in Augusta sit under the FHA limit for Kennebec County ($541,287): about 95%.
Monthly rent with utilities
Under the limitOver the limitUnreliable estimate
Under $50016%
$500–$99940%
$1,000–$1,49934%
HUD fair market rent, 2 bedrooms: $1,374
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Augusta and its comparisons
Measure
Augusta
Under $500
16%
$500–$999
40%
$1,000–$1,499
34%
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
By rent, most homes in Augusta cost less than HUD's 2-bedroom fair market rent ($1,374): about 82%.
With a mortgage
$1,299 a month
Kennebec County: $1,499 a month
Without a mortgage
$590 a month
Kennebec County: $593 a month
Owners with a mortgage
60%
Kennebec County: 59%
In Augusta, 60% of owners have a mortgage, and their typical cost is $1,299 a month, against $1,499 in Kennebec County. Without one it drops to $590.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Augusta+39%
Kennebec County+49%
Maine+56%
United States+53%
Typical rent
Augusta+28%
Kennebec County+30%
Maine+34%
United States+33%
Typical household income
AugustaNo clear change
Kennebec County+25%
Maine+29%
United States+29%
Change since 2015–2019: Augusta and its comparisons
Measure
Augusta
Kennebec County
Maine
United States
Typical home value
+39%
+49%
+56%
+53%
Typical rent
+28%
+30%
+34%
+33%
Typical household income
No clear change
+25%
+29%
+29%
From 2015–2019 to 2020–2024, the typical home value in Augusta rose 39%; in Kennebec County, it rose 49%.
Much as in Kennebec County, the typical rent in Augusta rose 28% since 2015–2019.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Augusta and its comparisons
Measure
Augusta
Kennebec County
Maine
United States
Rental vacancy
Unreliable estimate
Unreliable estimate
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
Unreliable estimate
0.7%
0.9%
More than one person per room
Unreliable estimate
1.3%
1.4%
3.4%
People per household
1.93
2.25
2.26
2.53
Drive alone
68%
74%
71%
69%
Carpool
12%
7%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
4%
3%
4%
3%
Work from home
15%
15%
16%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Households in Augusta are smaller: 1.93 people on average; in Kennebec County, 2.25.
Carpooling is common in Augusta: 12% of workers get to work that way, against 7% in Kennebec County.
Do the math
What would you pay each month for a home in Augusta?
A typical home costs more than the typical income allows
We start with a typical home in Augusta, worth $201,000, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 43% of the typical household income in Augusta, which is $47,979 a year. For that payment to be 28% of income, a household would need to earn about $73,528 a year.
The calculator's FHA and conventional loan limits are those of all of Kennebec County.
Change the price, the down payment or the loan: the payment updates right away.
Your numbers
Local data
$
Starts at the typical home value in Augusta. Change it to the price you have in mind.
Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.
Down payment
%
That is $7,035 (3.5% of the price). The usual minimum for this loan is 3.5%.
This week's average ± a quarter or half point.
National average as of November 5, 2026 (Freddie Mac); your rate may be different.
Adjust advanced details⌄
Estimated monthly payment
Local data
$1,716
at 7.18% · 30 years
Loan amount
$197,359
Total interest
$283,954
Paid off in
November 2056
Includes $3,394 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,120 a month
Tight
$1,120 to $1,439 a month
Hard
more than $1,439 a month
Your payment · 43%
Compared with the typical household income in Augusta ($47,979 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$1,337
Property tax
$206
Home insurance
$84
FHA mortgage insurance (MIP)
$89
You need at least $7,035 for the down payment, plus closing costs.
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.
Total monthly payment $1,716; principal and interest $1,337.
The city and its county
Augusta and Kennebec County
Augusta is in Kennebec 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).
Augusta
Map of Kennebec County, Maine, with Augusta marked. Around it, the neighboring counties.
Augusta
Kennebec County
Other cities with a page
Augusta's own numbers
Typical home value
$201,000
Typical monthly rent
$919
Typical yearly household income
$47,979
Households that own their home
54%
Effective property tax rate
1.23%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Kennebec County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,374
Price change over 5 years (FHFA)
+71%
Homes in a high flood-risk zone
2.8%
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 Kennebec County.
A typical home in Augusta is worth $201,000: 16% below the county and 32% below Maine. With the typical household income in Augusta ($47,979 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.
Augusta4.2 years
Kennebec3.4 years
Maine4.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Kennebec County
According to FHFA’s house price index, home prices in Kennebec County rose 108% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Kennebec County.
Yearly change in FHFA’s price index in Kennebec County, 2016 to 2025
2016: +2.9% +2.9% 2016
2017: +0.6% +0.6% 2017
2018: +7.1% +7.1% 2018
2019: +4.4% +4.4% 2019
2020: +5.3% +5.3% 2020
2021: +17.5% +17.5% 2021
2022: +17.4% +17.4% 2022
2023: +9.9% +9.9% 2023
2024: +7.2% +7.2% 2024
2025: +5.1% +5.1% 2025
Change in FHFA’s price index in Kennebec County, Maine and the United States
Period
County
Maine
U.S.
Last year (2025)
+5.1%
+4.7%
+2.9%
5 years (2020–2025)
+71%
+68%
+47%
10 years (2015–2025)
+108%
+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
Augusta next to Kennebec 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
Augusta$201,000
Kennebec$238,200
Maine$296,600
United States$332,700
Typical monthly rent
Augusta$919
Kennebec$992
Maine$1,139
United States$1,413
Typical yearly household income
Augusta$47,979
Kennebec$69,077
Maine$74,733
United States$80,734
See the full table
Augusta next to Kennebec County and Maine
Measure
Augusta
Kennebec County
Maine
U.S.
Typical home value
$201,000 ▼16% below the county
$238,200
$296,600
$332,700
Typical monthly rent
$919 ▼7% below the county
$992
$1,139
$1,413
Typical yearly household income
$47,979 ▼31% below the county
$69,077
$74,733
$80,734
Households that own their home
54% ▼20 points below the county
74%
74%
65%
Typical yearly property tax
$2,465 ▼5% below the county
$2,605
$3,036
$3,119
Effective property tax rate
1.23% ▲0.14 points above the county
1.09%
1.02%
0.94%
Renters with high rent for their income
49%
49%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Kennebec 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 Augusta
For a typical $201,000 home in Augusta, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Augusta's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,716a month
Least cash to close
Down payment
$7,035
Cash to close
$13,065
Rate
7.18%
Mortgage insurance
FHA MIP · $89
Conventional, 5% down$1,679a month
Down payment
$10,050
Cash to close
$16,080
Rate
7.18%
Mortgage insurance
PMI · $95
Conventional, 20% down, no PMI$1,379a month
Down payment
$40,200
Cash to close
$46,230
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,565a month
Down payment
$30,150
Cash to close
$36,180
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Augusta
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,716
$7,035
$197,359
7.18%
FHA MIP · $89
$13,065
580
Conventional, 5% down
$1,679
$10,050
$190,950
7.18%
PMI · $95
$16,080
620*
Conventional, 20% down, no PMI
$1,379
$40,200
$160,800
7.18%
None
$46,230
620*
ITIN, 15% down (example)
$1,565
$30,150
$170,850
8.18%
None
$36,180
Set by the lender
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.
Typical rent in Augusta is $919 a month: 7% below the county. In Augusta, 49% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Kennebec County, by unit size. To pay the 2-bedroom one ($1,374 a month) without spending more than 30% of your income, you would need to earn $26.42 an hour working full time.
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Kennebec County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,043
$20.06
$41,720
1 bedroom
$1,050
$20.19
$42,000
2 bedrooms
$1,374
$26.42
$54,960
3 bedrooms
$1,767
$33.98
$70,680
4 bedrooms
$2,167
$41.67
$86,680
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 Augusta
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Augusta is in ZIP code 04330.
For 2 bedrooms it is $1,350: $24 less than the fair market rent for Kennebec County ($1,374).
Fair market rent by ZIP code and size in Augusta, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
04330
$1,100
$1,160
$1,350
$1,750
$2,130
ZIP code2 bd3 bd
04330 $1,350$1,750
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Augusta 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 2027Small Area Fair Market Rents (HUD) (external site)Source: Census Bureau ZCTA-to-place relationship fileData from 2020 dataCensus Bureau ZCTA-to-place relationship file (external site)
HUD lists 21 buildings with rents for lower incomes in Augusta. These are the largest.
Glenridge Gardens54 Glenridge Dr, Augusta120 homes, 117 low-income · 2 bd: 74 · 3 bd: 46 · In service since 2004 · For families
ARCH Beta21 Gray Birch Dr, Augusta 04330100 low-income homes · For older adults(207) 622-4908
The Inn at City Hall and Kennebec Plaza1 Cony St, Augusta101 homes, 96 low-income · Studio: 10 · 1 bd: 84 · 2 bd: 7 · In service since 2018 · For older adults
Greentree Apts45 New England Rd, Augusta84 homes, 83 low-income · 1 bd: 30 · 2 bd: 30 · 3 bd: 20 · 4 bd: 4 · In service since 2010 · For older adults, families
Greentree Apartments45 New England Rd, Augusta 0433083 low-income homes · For families
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.
There is 1 HUD-approved agency with an office in Kennebec County; none says it serves in Spanish.
No down payment, repair or rent-help program on our list is for Augusta or Kennebec County. The ones below are statewide in Maine: they work in Augusta the same as in the rest of the state.
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.
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.
No legal help resource on our list is for Augusta or Kennebec County in particular.
If you have a problem with your landlord, an eviction notice or a scam, the Legal Services Corporation (LSC) search shows the free legal aid offices that serve your area.
Short answers with the numbers for Augusta and all of Kennebec 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 Augusta?
The typical home value in Augusta is $201,000, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Kennebec County it is $238,200.
How much does it cost to rent in Augusta?
Typical rent in Augusta is $919 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Kennebec County is $1,374.
What is the FHA loan limit in Augusta?
Augusta uses the FHA limit for all of Kennebec 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 Augusta?
The typical homeowner in Augusta pays $2,465 a year, according to the U.S. Census Bureau. That is 1.23% of the home’s value; in Kennebec County, the rate is 1.09%.
Where can I find free help to buy or rent in Augusta?
There is 1 HUD-approved counseling agency with an office in Kennebec County. They can help you get ready to buy, with your credit, or with rent.
