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City · 8,815 residents · Sagadahoc County, Maine

Bath , Maine

In Bath, a typical home is worth $310,900 and typical rent is $1,044 a month. Compared with all of Sagadahoc County, typical household income is 21% lower, the typical home value is 7% lower, and the share of households that own their home is 14 points lower.

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  • Typical home value

    $310,900

    7% below the county

    5% above Maine

    • Bath
    • Sagadahoc
    • Maine

  • Typical rent

    $1,044a month

    5% below the county

    8% below Maine

    • Bath
    • Sagadahoc
    • Maine

  • Typical household income

    $69,390a year

    21% below the county

    7% below Maine

    • Bath
    • Sagadahoc
    • Maine

  • Households that own their home

    64%

    14 points below the county

    10 points below Maine

    • Bath
    • Sagadahoc
    • Maine

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

Market now, with Zillow data

Zillow data
Typical home value
$375,365
0.9% more than 12 months ago
Typical rent
$1,986 a month

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

Bath is in Sagadahoc County. The FHA loan limit ($615,250 for a one-unit home), the fair market rents and the help on this page are those of all of Sagadahoc County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Bath apart

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

  1. Nearby, in Gardiner, the typical home value is $221,600: 29% less than in Bath ($310,900).

  2. 64% of households in Bath own their home, against 78% in Sagadahoc County.

  3. The typical household income in Bath is $69,390, 21% less than in Sagadahoc County as a whole ($87,806).

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

The homes here

Housing in Bath

What homes there are in Bath, 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

In Bath, 6 in 10 homes are single-family detached houses; in Sagadahoc County, 8.

Year built

Old homes abound here: at least half date from before 1940, and 67% were built before 1960.

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
Monthly rent with utilities

With a mortgage

$1,835 a month

Sagadahoc County: $1,817 a month

Without a mortgage

$773 a month

Sagadahoc County: $707 a month

Owners with a mortgage

68%

Sagadahoc County: 65%

In Bath, 68% of owners have a mortgage; their typical cost is $1,835 a month, about the same as in Sagadahoc 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

From 2015–2019 to 2020–2024, the typical home value in Bath rose 77%; in Sagadahoc County, it rose 56%.

The typical rent in Bath rose 21% since 2015–2019, about the same as in Sagadahoc County (23%).

While home values in Bath changed +77% and rent +21%, the typical household income rose 44%.

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

MeasureBathSagadahoc 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 estimateUnreliable estimate1.4%3.4%
People per household 2.002.252.262.53
Drive alone 63%71%71%69%
Carpool 8%8%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 10%3%4%3%
Work from home 19%17%16%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute 10 to 19 minutes20 to 29 minutes20 to 29 minutes20 to 29 minutes

On average, a household in Bath has 2.00 people, fewer than in Sagadahoc County (2.25).

Many here get to work on foot or by bike: 10%, more than in Sagadahoc County (3%).

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 Bath?

A typical home costs more than the typical income allows

We start with a typical home in Bath, worth $310,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 46% of the typical household income in Bath, which is $69,390 a year. For that payment to be 28% of income, a household would need to earn about $113,842 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Bath. 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 $10,882 (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

$2,656

at 7.18% · 30 years

Loan amount
$305,268
Total interest
$439,209
Paid off in
November 2056

Includes $5,250 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,619 a month

  • Tight

    $1,619 to $2,082 a month

  • Hard

    more than $2,082 a month

    Your payment · 46%

Compared with the typical household income in Bath ($69,390 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,656
Principal & interest$2,068
Property tax$321
Home insurance$130
FHA mortgage insurance (MIP)$138

You need at least $10,882 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

Bath and Sagadahoc County

Bath is in Sagadahoc 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).

Bath's own numbers

Typical home value
$310,900
Typical monthly rent
$1,044
Typical yearly household income
$69,390
Households that own their home
64%
Effective property tax rate
1.24%

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

Numbers for all of Sagadahoc County

FHA limit, one-unit home
$615,250
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,659
Price change over 5 years (FHFA)
+69%
Homes in a high flood-risk zone
1.7%

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 Sagadahoc County.

Everything about Sagadahoc County

Buying

Buying a home in Bath

A typical home in Bath is worth $310,900: 7% below the county and 5% above Maine. With the typical household income in Bath ($69,390 a year), a typical home costs 4.5 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.

  • Bath 4.5 years
  • Sagadahoc 3.8 years
  • Maine 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sagadahoc County

According to FHFA’s house price index, home prices in Sagadahoc County rose 117% in the 10 years through 2025.

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

Period County Maine U.S.
Last year (2025) +3.8% +4.7% +2.9%
5 years (2020–2025) +69% +68% +47%
10 years (2015–2025) +117% +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

Bath next to Sagadahoc 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
  • Bath $310,900
  • Sagadahoc $333,300
  • Maine $296,600
  • United States $332,700
Typical monthly rent
  • Bath $1,044
  • Sagadahoc $1,098
  • Maine $1,139
  • United States $1,413
Typical yearly household income
  • Bath $69,390
  • Sagadahoc $87,806
  • Maine $74,733
  • United States $80,734
See the full table
Bath next to Sagadahoc County and Maine
Measure Bath Sagadahoc County Maine U.S.
Typical home value $310,900 $333,300 $296,600 $332,700
Typical monthly rent $1,044 $1,098 $1,139 $1,413
Typical yearly household income $69,390 $87,806 $74,733 $80,734
Households that own their home 64% 78% 74% 65%
Typical yearly property tax $3,847 $3,470 $3,036 $3,119
Effective property tax rate 1.24% 1.04% 1.02% 0.94%
Renters with high rent for their income 51% 48% 48% 51%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Sagadahoc 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 Bath

For a typical $310,900 home in Bath, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Bath's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,656a month

    Least cash to close
    Down payment
    $10,882
    Cash to close
    $20,209
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $138

  • Conventional, 5% down $2,599a month

    Down payment
    $15,545
    Cash to close
    $24,872
    Rate
    7.18%
    Mortgage insurance
    PMI · $148

  • Conventional, 20% down, no PMI $2,136a month

    Down payment
    $62,180
    Cash to close
    $71,507
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,423a month

    Down payment
    $46,635
    Cash to close
    $55,962
    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 Bath and for Sagadahoc County.

Property tax

Effective rate in Bath

1.24%of the home’s value each year

$3,847 a year for the typical owner in Bath.

  • Bath 1.24%
  • Sagadahoc 1.04%
  • 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 Sagadahoc County

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

Homes in the high-risk zone
1.7%
258
Of those, with NFIP insurance
29%
County Maine U.S.
Homes in the high-risk zone 1.7% 1% 3.5%
Of those, with NFIP insurance 29% 79% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Bath

Typical rent in Bath is $1,044 a month: 5% below the county. In Bath, 51% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sagadahoc County, by unit size. To pay the 2-bedroom one ($1,659 a month) without spending more than 30% of your income, you would need to earn $31.90 an hour working full time.

HUD fair market rent for all of Sagadahoc 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 $1,157 $22.25 $46,280
1 bedroom $1,332 $25.62 $53,280
2 bedrooms $1,659 $31.90 $66,360
3 bedrooms $2,297 $44.17 $91,880
4 bedrooms $2,773 $53.33 $110,920

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 Bath

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Bath is in ZIP code 04530.

For 2 bedrooms it is $1,540: $119 less than the fair market rent for Sagadahoc County ($1,659).

  • 04530 $1,540$2,130

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Bath 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 Bath

HUD lists 7 buildings with rents for lower incomes in Bath. These are the largest.

  • Maritime Apartments 12 Windjammer Way, Bath 04530 134 homes, 80 low-income · For families
  • Washington House 809 Washington St, Bath 04530 53 low-income homes · For older adults
  • Seacliff & Family 27 Shaw St, Bath 04530 50 low-income homes · For families
  • Huse School 39 Andrews Rd, Bath 59 homes, 43 low-income · Studio: 5 · 1 bd: 48 · 2 bd: 6 · In service since 2017 · For families
  • Plant Home 1 Washington St, Bath 37 homes, 32 low-income · Studio: 16 · 1 bd: 21 · In service since 2003 · For older adults

See all 12 buildings in Sagadahoc County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Bath

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 Sagadahoc County. The nearest ones are below; many serve by phone or online.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Bath

No down payment, repair or rent-help program on our list is for Bath or Sagadahoc County. The ones below are statewide in Maine: they work in Bath 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 Bath

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

  • Coastal Enterprises, Incorporated

    30 Federal Street, Brunswick · 6 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 · 28 miles away

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

  • Community Concepts, Inc. Also DBA Homequestmaine

    17 Market Sq, South Paris · 39 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

All counseling agencies in Maine

Help in Spanish near Bath

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 Bath

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

All housing agencies in Maine Source: HUD

Cities

Other cities in Sagadahoc County

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

Everything about Sagadahoc County Housing in Maine

Nearby cities

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

Neighboring counties

If Sagadahoc 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 Bath.

All guides
A mother holding her baby watches her daughter blow bubbles outdoors.

Questions

Housing questions about Bath

Short answers with the numbers for Bath and all of Sagadahoc 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 Bath?

The typical home value in Bath is $310,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sagadahoc County it is $333,300.

How much does it cost to rent in Bath?

Typical rent in Bath is $1,044 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Sagadahoc County is $1,659.

What is the FHA loan limit in Bath?

Bath uses the FHA limit for all of Sagadahoc County (2026): $615,250 for a one-unit home and $1,183,200 for a four-unit home.

How much property tax do owners pay in Bath?

The typical homeowner in Bath pays $3,847 a year, according to the U.S. Census Bureau. That is 1.24% of the home’s value; in Sagadahoc County, the rate is 1.04%.

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

We found no HUD-approved counseling agencies with an office in Sagadahoc 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).