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City · 5,161 residents · Penobscot County, Maine

Hampden , Maine

In Hampden, a typical home is worth $285,900 and typical rent is $1,133 a month. Compared with all of Penobscot County, typical household income is 69% higher, the typical home value is 34% higher, and the share of households that own their home is 13 points higher.

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  • Typical home value

    $285,900

    34% above the county

    4% below Maine

    • Hampden
    • Penobscot
    • Maine

  • Typical rent

    $1,133a month

    9% above the county

    About the same as Maine

    • Hampden
    • Penobscot
    • Maine

  • Typical household income

    $112,228a year

    69% above the county

    50% above Maine

    • Hampden
    • Penobscot
    • Maine

  • Households that own their home

    84%

    13 points above the county

    9 points above Maine

    • Hampden
    • Penobscot
    • Maine

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

Market now, with Zillow data

Zillow data
Typical home value
$351,590
2.7% more than 12 months ago

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

Hampden is in Penobscot 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 Penobscot County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Hampden apart

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

  1. Hampden has the highest homeownership rate of the 34 cities in Maine with more than 5,000 people: 84%.

  2. The typical household income in Hampden is $112,228, 69% more than in Penobscot County as a whole ($66,356).

  3. The typical home in Hampden is worth $285,900, 34% more than in Penobscot County as a whole ($214,100).

  4. Nearby, in Old Town, the typical home value is $208,100: 27% less than in Hampden ($285,900).

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

The homes here

Housing in Hampden

What homes there are in Hampden, 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, standing on their own, make up 82% of homes here, against 64% in Penobscot County.

Year built

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

$2,056 a month

Penobscot County: $1,562 a month

Without a mortgage

$840 a month

Penobscot County: $575 a month

Owners with a mortgage

55%

Penobscot County: 54%

The typical cost for an owner with a mortgage in Hampden is $2,056 a month, more than in Penobscot County ($1,562); without one, $840.

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

The typical home value in Hampden rose 36% since 2015–2019, less than in Penobscot County (48%).

Rent in Hampden moved so little since 2015–2019 that the Census cannot say whether it rose or fell.

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

MeasureHampdenPenobscot CountyMaineUnited States
Rental vacancy Unreliable estimate5.8%4.2%5.5%
Homeowner vacancy Unreliable estimateUnreliable estimate0.7%0.9%
More than one person per room Unreliable estimate1.7%1.4%3.4%
People per household 2.602.262.262.53
Drive alone 78%76%71%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate0%1%3%
Walk or bike Unreliable estimate4%4%3%
Work from home 16%11%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutes10 to 19 minutes20 to 29 minutes20 to 29 minutes

More people live in each home here: 2.60 on average, against 2.26 in Penobscot County.

In Hampden, 16% of workers work from home, more than in Penobscot County (11%).

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 Hampden?

A typical home is within reach of the typical income

We start with a typical home in Hampden, worth $285,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 26% of the typical household income in Hampden, which is $112,228 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Hampden. 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 $10,007 (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

$2,469

at 7.18% · 30 years

Loan amount
$280,721
Total interest
$403,892
Paid off in
November 2056

Includes $4,828 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,619 a month

    Your payment · 26%

  • Tight

    $2,619 to $3,367 a month

  • Hard

    more than $3,367 a month

Compared with the typical household income in Hampden ($112,228 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,469
Principal & interest$1,902
Property tax$322
Home insurance$119
FHA mortgage insurance (MIP)$126

You need at least $10,007 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

Hampden and Penobscot County

Hampden is in Penobscot 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).

Hampden's own numbers

Typical home value
$285,900
Typical monthly rent
$1,133
Typical yearly household income
$112,228
Households that own their home
84%
Effective property tax rate
1.35%

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

Numbers for all of Penobscot County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,496–$1,722
Price change over 5 years (FHFA)
+68%

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 Penobscot County.

Everything about Penobscot County

Buying

Buying a home in Hampden

A typical home in Hampden is worth $285,900: 34% above the county and 4% below Maine. With the typical household income in Hampden ($112,228 a year), a typical home costs 2.5 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.

  • Hampden 2.5 years
  • Penobscot 3.2 years
  • Maine 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Penobscot County

According to FHFA’s house price index, home prices in Penobscot County rose 105% in the 10 years through 2025.

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

Period County Maine U.S.
Last year (2025) +4.6% +4.7% +2.9%
5 years (2020–2025) +68% +68% +47%
10 years (2015–2025) +105% +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

Hampden next to Penobscot 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
  • Hampden $285,900
  • Penobscot $214,100
  • Maine $296,600
  • United States $332,700
Typical monthly rent
  • Hampden $1,133
  • Penobscot $1,041
  • Maine $1,139
  • United States $1,413
Typical yearly household income
  • Hampden $112,228
  • Penobscot $66,356
  • Maine $74,733
  • United States $80,734
See the full table
Hampden next to Penobscot County and Maine
Measure Hampden Penobscot County Maine U.S.
Typical home value $285,900 $214,100 $296,600 $332,700
Typical monthly rent $1,133 $1,041 $1,139 $1,413
Typical yearly household income $112,228 $66,356 $74,733 $80,734
Households that own their home 84% 71% 74% 65%
Typical yearly property tax $3,863 $2,481 $3,036 $3,119
Effective property tax rate 1.35% 1.16% 1.02% 0.94%

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

For a typical $285,900 home in Hampden, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Hampden's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,469a month

    Least cash to close
    Down payment
    $10,007
    Cash to close
    $18,584
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $126

  • Conventional, 5% down $2,417a month

    Down payment
    $14,295
    Cash to close
    $22,872
    Rate
    7.18%
    Mortgage insurance
    PMI · $136

  • Conventional, 20% down, no PMI $1,990a month

    Down payment
    $57,180
    Cash to close
    $65,757
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,255a month

    Down payment
    $42,885
    Cash to close
    $51,462
    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 Hampden and for Penobscot County.

Property tax

Effective rate in Hampden

1.35%of the home’s value each year

$3,863 a year for the typical owner in Hampden.

  • Hampden 1.35%
  • Penobscot 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 Penobscot County

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

FEMA’s maps count no homes in the high-risk zone in Penobscot County. That does not mean it cannot flood: check your address.

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Hampden

Typical rent in Hampden is $1,133 a month: 9% above the county.

HUD publishes a fair market rent for each area of Penobscot County; Hampden is in Bangor, ME HUD Metro FMR Area. To pay the 2-bedroom one ($1,722 a month) without spending more than 30% of your income, you would need to earn $33.12 an hour working full time.

Fair market rent by size in Bangor, ME HUD Metro FMR Area

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 $1,305 $25.10 $52,200
1 bedroom $1,380 $26.54 $55,200
2 bedrooms $1,722 $33.12 $68,880
3 bedrooms $2,203 $42.37 $88,120
4 bedrooms $2,495 $47.98 $99,800

HUD splits this county into 2 areas with different fair market rents: for 2 bedrooms they run from $1,496 to $1,722. The table by area, below, shows which one each town is in.

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

Fair market rent by HUD area in Penobscot County

HUD splits this county into 2 areas, each with its own fair market rent. Find your town in its area's list; the housing agency tells you which one it uses for your voucher.

HUD area Studio1 bd2 bd3 bd4 bdHourly wage, 2 bd
Bangor, ME HUD Metro FMR Area The area where most people liveHampden is in this area
14 towns in this area

Bangor city, Brewer city, Eddington town, Glenburn town, Hampden town, Hermon town, Holden town, Kenduskeag town, Milford town, Old Town city, Orono town, Orrington town, Penobscot Indian Island Reservation, Veazie town

 $1,305$1,380$1,722$2,203$2,495$33.12
Penobscot County, ME (part) HUD Metro FMR Area
53 towns in this area

Alton town, Argyle UT, Bradford town, Bradley town, Burlington town, Carmel town, Carroll plantation, Charleston town, Chester town, Clifton town, Corinna town, Corinth town, Dexter town, Dixmont town, Drew UT, East Central Penobscot UT, East Millinocket town, Edinburg town, Enfield town, Etna town, Exeter town, Garland town, Greenbush town, Howland town, Hudson town, Kingman UT, Lagrange town, Lakeville town, Lee town, Levant town, Lincoln town, Lowell town, Mattawamkeag town, Maxfield town, Medway town, Millinocket town, Mount Chase town, Newburgh town, Newport town, North Penobscot UT, Passadumkeag town, Patten town, Plymouth town, Prentiss UT, Seboeis plantation, Springfield town, Stacyville town, Stetson town, Twombly UT, Webster plantation, Whitney UT, Winn town, Woodville town

 $1,042$1,144$1,496$2,039$2,096$28.77

HUD fair market rent by area and size, per month, Fiscal year 2027. The wage is what full-time work must pay to rent 2 bedrooms without spending more than 30% of income. Source: HUD, Fiscal year 2027 Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

By ZIP code

Fair market rent by ZIP code in Hampden

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Hampden is in ZIP code 04444.

For 2 bedrooms it is $1,760 in all of them.

  • 04444 $1,760$2,330
  • 04444 $1,760$2,330

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

HUD lists one building with rents for lower incomes in Hampden.

  • Roe Village 113 Western Ave, Hampden 04444 30 low-income homes · For older adults

See all 67 buildings in Penobscot County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Hampden

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 are 2 HUD-approved agencies with an office in Penobscot County; none says it serves in Spanish.

A man leans over the armchair to help a teenage girl with her book.

HUD counseling is free or low-cost

Assistance programs in Hampden

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

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

  • Penquis Community Action Program

    262 Harlow St, Bangor · 5 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 1 more
    (207) 973-3500

  • Four Directions Development Corporation

    20 Godfrey Dr, Orono · 13 miles away

    • Budget and financial counseling
    • Budget and credit workshops
    • and 4 more
    (207) 866-6545

  • Waldo Community Action Partners

    9 Field St Ste 201, Belfast · 23 miles away

    • Mortgage delinquency and default
    • Pre-purchase counseling
    • and 2 more
    (207) 338-6809

Every agency in Penobscot County All counseling agencies in Maine

Help in Spanish near Hampden

None 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 Hampden

In HUD’s record, no housing authority with an office in Penobscot County is named for Hampden or Penobscot County.

3 other authorities have an office in Penobscot County: see the list Source: HUD

Cities

Other cities in Penobscot County

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

Everything about Penobscot County Housing in Maine

Nearby cities

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

Neighboring counties

If Penobscot 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 Hampden.

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Hampden

Short answers with the numbers for Hampden and all of Penobscot 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 Hampden?

The typical home value in Hampden is $285,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Penobscot County it is $214,100.

How much does it cost to rent in Hampden?

Typical rent in Hampden is $1,133 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Penobscot County is $1,496–$1,722.

What is the FHA loan limit in Hampden?

Hampden uses the FHA limit for all of Penobscot 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 Hampden?

The typical homeowner in Hampden pays $3,863 a year, according to the U.S. Census Bureau. That is 1.35% of the home’s value; in Penobscot County, the rate is 1.16%.

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

There are 2 HUD-approved counseling agencies with an office in Penobscot County. 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).