In Houlton, a typical home is worth $129,600 and typical rent is $814 a month. Compared with all of Aroostook County, the typical home value is 13% lower and the share of households that own their home is 10 points lower.
Typical home value from Zillow, September 2021 to September 2026: from $114,393 to $160,087.
From Zillow (ZHVI), September 2026. The Census figures above are 5-year averages (2020–2024).
Houlton is in Aroostook 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 Aroostook County. See the county
What this place has that others do not, from public data, most unusual first.
1
Houlton has the lowest typical home value of the 34 cities in Maine with more than 5,000 people: $129,600.
2
Houlton has the 2nd lowest typical rent of the 33 cities in Maine with more than 5,000 people ($814).
3
Houlton has the 2nd largest share of rent-burdened renters of the 33 cities in Maine with more than 5,000 people (62%).
4
64% of households in Houlton own their home, against 75% in Aroostook County.
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in Houlton
What homes there are in Houlton, 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
Houlton
Aroostook County
Maine
United States
Kind of home: Houlton and its comparisons
Measure
Houlton
Aroostook County
Maine
United States
Detached house
69%
73%
70%
61%
Attached house
Unreliable estimate
1%
3%
6%
Building of 2 to 4
13%
10%
10%
8%
Apartments (5 or more)
17%
7%
9%
19%
Mobile home
Unreliable estimate
9%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
In Houlton, 7 in 10 homes are single-family detached houses; in Aroostook County, 7.
Year built
Before 19601960–19791980–19992000–20092010 or laterUnreliable estimate
Houlton
Aroostook County
Maine
United States
Year built: Houlton and its comparisons
Measure
Houlton
Aroostook County
Maine
United States
Before 1960
60%
38%
34%
26%
1960–1979
23%
25%
20%
24%
1980–1999
11%
22%
25%
25%
2000–2009
Unreliable estimate
10%
12%
14%
2010 or later
5%
5%
9%
11%
Homes in Houlton are older: the typical year built is 1954; in Aroostook County, 1972.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K32%
$100K–$200K34%
$200K–$300K16%
$300K–$500KUnreliable
$500K–$750KUnreliable
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: Houlton and its comparisons
Measure
Houlton
Under $100K
32%
$100K–$200K
34%
$200K–$300K
16%
$300K–$500K
Unreliable estimate
$500K–$750K
Unreliable estimate
$750K–$1M
Unreliable
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99965%
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Houlton and its comparisons
Measure
Houlton
Under $500
Unreliable estimate
$500–$999
65%
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable
$2,500–$2,999
Unreliable
$3,000 or more
Unreliable estimate
With a mortgage
$1,305 a month
Aroostook County: $1,196 a month
Without a mortgage
$466 a month
Aroostook County: $492 a month
Owners with a mortgage
64%
Aroostook County: 49%
Owning costs more in Houlton: with a mortgage, the typical cost is $1,305 a month; in Aroostook County, $1,196. Without one, $466.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
HoultonNo clear change
Aroostook County+50%
Maine+56%
United States+53%
Typical rent
Houlton+53%
Aroostook County+37%
Maine+34%
United States+33%
Typical household income
Houlton+75%
Aroostook County+38%
Maine+29%
United States+29%
Change since 2015–2019: Houlton and its comparisons
Measure
Houlton
Aroostook County
Maine
United States
Typical home value
No clear change
+50%
+56%
+53%
Typical rent
+53%
+37%
+34%
+33%
Typical household income
+75%
+38%
+29%
+29%
From 2015–2019 to 2020–2024, the typical home value in Houlton did not change clearly: the difference is within the Census margin of error.
Since 2015–2019, the typical rent in Houlton rose 53%, more than in Aroostook County (37%).
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: Houlton and its comparisons
Measure
Houlton
Aroostook County
Maine
United States
Rental vacancy
Unreliable estimate
6.1%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
1.1%
0.7%
0.9%
More than one person per room
Unreliable estimate
1.9%
1.4%
3.4%
People per household
2.14
2.18
2.26
2.53
Drive alone
80%
78%
71%
69%
Carpool
12%
10%
8%
9%
Public transit
Unreliable estimate
Unreliable estimate
1%
3%
Walk or bike
Unreliable estimate
2%
4%
3%
Work from home
Unreliable estimate
9%
16%
15%
Other means
Unreliable estimate
2%
1%
2%
Typical commute
Unreliable estimate
10 to 19 minutes
20 to 29 minutes
20 to 29 minutes
A household in Houlton has 2.14 people on average, about the same as in Aroostook County (2.18).
In Houlton, 80% of workers drive alone to work; in Aroostook County, 78%.
Do the math
What would you pay each month for a home in Houlton?
A typical home is within reach of the typical income
We start with a typical home in Houlton, worth $129,600, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 23% of the typical household income in Houlton, which is $59,236 a year.
The calculator's FHA and conventional loan limits are those of all of Aroostook 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 Houlton. 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 $4,536 (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
$1,114
at 7.18% · 30 years
Loan amount
$127,253
Total interest
$183,087
Paid off in
November 2056
Includes $2,189 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $1,382 a month
Your payment · 23%
Tight
$1,382 to $1,777 a month
Hard
more than $1,777 a month
Compared with the typical household income in Houlton ($59,236 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$862
Property tax
$140
Home insurance
$54
FHA mortgage insurance (MIP)
$57
You need at least $4,536 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 $1,114; principal and interest $862.
The city and its county
Houlton and Aroostook County
Houlton is in Aroostook 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).
Houlton
Map of Aroostook County, Maine, with Houlton marked. Around it, the neighboring counties.
Houlton
Aroostook County
Other cities with a page
Houlton's own numbers
Typical home value
$129,600
Typical monthly rent
$814
Typical yearly household income
$59,236
Households that own their home
64%
Effective property tax rate
1.3%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Aroostook County
FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,175
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
0%
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 Aroostook County.
A typical home in Houlton is worth $129,600: 13% below the county and 56% below Maine. With the typical household income in Houlton ($59,236 a year), a typical home costs 2.2 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.
Houlton2.2 years
Aroostook2.6 years
Maine4.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Aroostook County
According to FHFA’s house price index, home prices in Aroostook County rose 89% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Aroostook County.
Yearly change in FHFA’s price index in Aroostook County, 2016 to 2025
2016: +2.7% +2.7% 2016
2017: +1.0% +1.0% 2017
2018: +5.1% +5.1% 2018
2019: −0.3% −0.3% 2019
2020: +5.1% +5.1% 2020
2021: +11.0% +11.0% 2021
2022: +16.4% +16.4% 2022
2023: +13.0% +13.0% 2023
2024: +4.3% +4.3% 2024
2025: +8.6% +8.6% 2025
Change in FHFA’s price index in Aroostook County, Maine and the United States
Period
County
Maine
U.S.
Last year (2025)
+8.6%
+4.7%
+2.9%
5 years (2020–2025)
+65%
+68%
+47%
10 years (2015–2025)
+89%
+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
Houlton next to Aroostook 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
Houlton$129,600
Aroostook$149,700
Maine$296,600
United States$332,700
Typical monthly rent
Houlton$814
Aroostook$784
Maine$1,139
United States$1,413
Typical yearly household income
Houlton$59,236
Aroostook$56,700
Maine$74,733
United States$80,734
See the full table
Houlton next to Aroostook County and Maine
Measure
Houlton
Aroostook County
Maine
U.S.
Typical home value
$129,600 ▼13% below the county
$149,700
$296,600
$332,700
Typical monthly rent
$814 ▲4% above the county
$784
$1,139
$1,413
Typical yearly household income
$59,236 ▲4% above the county
$56,700
$74,733
$80,734
Households that own their home
64% ▼10 points below the county
75%
74%
65%
Typical yearly property tax
$1,690
$1,672
$3,036
$3,119
Effective property tax rate
1.3% ▲0.18 points above the county
1.12%
1.02%
0.94%
Renters with high rent for their income
62% ▲15 points above the county
47%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Aroostook 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 Houlton
For a typical $129,600 home in Houlton, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Houlton's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$1,114a month
Least cash to close
Down payment
$4,536
Cash to close
$8,424
Rate
7.18%
Mortgage insurance
FHA MIP · $57
Conventional, 5% down$1,090a month
Down payment
$6,480
Cash to close
$10,368
Rate
7.18%
Mortgage insurance
PMI · $62
Conventional, 20% down, no PMI$897a month
Down payment
$25,920
Cash to close
$29,808
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$1,017a month
Down payment
$19,440
Cash to close
$23,328
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Houlton
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$1,114
$4,536
$127,253
7.18%
FHA MIP · $57
$8,424
580
Conventional, 5% down
$1,090
$6,480
$123,120
7.18%
PMI · $62
$10,368
620*
Conventional, 20% down, no PMI
$897
$25,920
$103,680
7.18%
None
$29,808
620*
ITIN, 15% down (example)
$1,017
$19,440
$110,160
8.18%
None
$23,328
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 Houlton is $814 a month: 4% above the county. In Houlton, 62% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for all of Aroostook County, by unit size. To pay the 2-bedroom one ($1,175 a month) without spending more than 30% of your income, you would need to earn $22.60 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 Aroostook County (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$892
$17.15
$35,680
1 bedroom
$898
$17.27
$35,920
2 bedrooms
$1,175
$22.60
$47,000
3 bedrooms
$1,581
$30.40
$63,240
4 bedrooms
$1,642
$31.58
$65,680
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 Houlton
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Houlton is in ZIP code 04730.
For 2 bedrooms it is $1,120: $55 less than the fair market rent for Aroostook County ($1,175).
Fair market rent by ZIP code and size in Houlton, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
04730
$850
$860
$1,120
$1,510
$1,570
ZIP code2 bd3 bd
04730 $1,120$1,510
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for Houlton 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 5 buildings with rents for lower incomes in Houlton. These are the largest.
Ricker Plaza73 Military St, Houlton 0473041 low-income homes · For older adults(207) 532-3037
Maliseet Revitalization Project 1Clover Court and Pine Drive, Houlton28 low-income homes · 2 bd: 12 · 3 bd: 15 · 4 bd: 1 · In service since 2015 · For families
Military Street Apartments95 Military St, Houlton 0473024 low-income homes · For older adults
Kelleran Court11 Kelleran St, Houlton 0473020 low-income homes · For families
Market Square Commons40 Market Sq, Houlton28 homes, 17 low-income · 1 bd: 25 · 2 bd: 3 · In service since 2010 · For older adults
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 Aroostook County. The nearest ones are below; many serve by phone or online.
No down payment, repair or rent-help program on our list is for Houlton or Aroostook County. The ones below are statewide in Maine: they work in Houlton 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 Houlton or Aroostook 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 Houlton and all of Aroostook 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 Houlton?
The typical home value in Houlton is $129,600, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Aroostook County it is $149,700.
How much does it cost to rent in Houlton?
Typical rent in Houlton is $814 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Aroostook County is $1,175.
What is the FHA loan limit in Houlton?
Houlton uses the FHA limit for all of Aroostook 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 Houlton?
The typical homeowner in Houlton pays $1,690 a year, according to the U.S. Census Bureau. That is 1.3% of the home’s value; in Aroostook County, the rate is 1.12%.
Where can I find free help to buy or rent in Houlton?
We found no HUD-approved counseling agencies with an office in Aroostook County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
