In North Windham, a typical home is worth $342,800 and typical rent is $1,248 a month. Compared with all of Cumberland County, the typical home value is 24% lower, typical rent is 21% lower, and the share of households that own their home is 10 points higher.
North Windham is in Cumberland 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 Cumberland County. See the county
What this place has that others do not, from public data, most unusual first.
1
North Windham has the smallest share of rent-burdened renters of the 33 cities in Maine with more than 5,000 people: 31%.
2
North Windham has the 2nd highest homeownership rate of the 34 cities in Maine with more than 5,000 people (80%).
3
The typical home in North Windham is worth $342,800,24% less than in Cumberland County as a whole ($451,200).
4
The typical rent in North Windham is $1,248 a month, 21% less than in Cumberland County as a whole ($1,589).
Sources: U.S. Census Bureau (Average 2020–2024).
The homes here
Housing in North Windham
What homes there are in North Windham, 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
North Windham
Cumberland County
Maine
United States
Kind of home: North Windham and its comparisons
Measure
North Windham
Cumberland County
Maine
United States
Detached house
70%
63%
70%
61%
Attached house
12%
5%
3%
6%
Building of 2 to 4
13%
13%
10%
8%
Apartments (5 or more)
Unreliable estimate
15%
9%
19%
Mobile home
Unreliable estimate
4%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
Detached houses, standing on their own, make up 70% of homes here, against 63% in Cumberland County.
Year built
Before 19601960–19791980–19992000–20092010 or later
North Windham
Cumberland County
Maine
United States
Year built: North Windham and its comparisons
Measure
North Windham
Cumberland County
Maine
United States
Before 1960
19%
35%
34%
26%
1960–1979
31%
20%
20%
24%
1980–1999
31%
23%
25%
25%
2000–2009
13%
12%
12%
14%
2010 or later
7%
10%
9%
11%
The typical home in North Windham was built in 1980, 4 years after the typical one in Cumberland County.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100KUnreliable
$100K–$200KUnreliable
$200K–$300K28%
$300K–$500K50%
$500K–$750K10%
$750K–$1MUnreliable
$1M or moreUnreliable
Value of owner-occupied homes: North Windham and its comparisons
Measure
North Windham
Under $100K
Unreliable estimate
$100K–$200K
Unreliable estimate
$200K–$300K
28%
$300K–$500K
50%
$500K–$750K
10%
$750K–$1M
Unreliable estimate
$1M or more
Unreliable
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$999Unreliable
$1,000–$1,499Unreliable
$1,500–$1,999Unreliable
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: North Windham and its comparisons
Measure
North Windham
Under $500
Unreliable estimate
$500–$999
Unreliable estimate
$1,000–$1,499
Unreliable estimate
$1,500–$1,999
Unreliable estimate
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$1,654 a month
Cumberland County: $2,186 a month
Without a mortgage
$761 a month
Cumberland County: $840 a month
Owners with a mortgage
62%
Cumberland County: 63%
Owning costs less in North Windham: with a mortgage, the typical cost is $1,654 a month; in Cumberland County, $2,186. Without one, $761.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
North Windham+49%
Cumberland County+62%
Maine+56%
United States+53%
Typical rent
North WindhamNo clear change
Cumberland County+41%
Maine+34%
United States+33%
Typical household income
North WindhamNo clear change
Cumberland County+31%
Maine+29%
United States+29%
Change since 2015–2019: North Windham and its comparisons
Measure
North Windham
Cumberland County
Maine
United States
Typical home value
+49%
+62%
+56%
+53%
Typical rent
No clear change
+41%
+34%
+33%
Typical household income
No clear change
+31%
+29%
+29%
From 2015–2019 to 2020–2024, the typical home value in North Windham rose 49%; in Cumberland County, it rose 62%.
The typical rent in North Windham stayed about the same over that time: the difference is within the Census margin of error.
How people live
U.S. Census Bureau, ACS 5-year, 2020–2024
How people live: North Windham and its comparisons
Measure
North Windham
Cumberland County
Maine
United States
Rental vacancy
Unreliable estimate
2.9%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.5%
0.7%
0.9%
More than one person per room
Unreliable estimate
1.1%
1.4%
3.4%
People per household
2.31
2.26
2.26
2.53
Drive alone
64%
64%
71%
69%
Carpool
14%
7%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
6%
4%
3%
Work from home
21%
22%
16%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
Unreliable estimate
Unreliable estimate
20 to 29 minutes
20 to 29 minutes
Much as in Cumberland County, a household in North Windham has 2.31 people on average.
More people carpool to work in North Windham than in Cumberland County: 14% against 7%.
Do the math
What would you pay each month for a home in North Windham?
A typical home costs more than the typical income allows
We start with a typical home in North Windham, worth $342,800, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 39% of the typical household income in North Windham, which is $88,522 a year. For that payment to be 28% of income, a household would need to earn about $122,952 a year.
The calculator's FHA and conventional loan limits are those of all of Cumberland 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 North Windham. 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 $11,998 (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
$2,869
at 7.18% · 30 years
Loan amount
$336,591
Total interest
$484,276
Paid off in
November 2056
Includes $5,789 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,066 a month
Tight
$2,066 to $2,656 a month
Hard
more than $2,656 a month
Your payment · 39%
Compared with the typical household income in North Windham ($88,522 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,280
Property tax
$294
Home insurance
$143
FHA mortgage insurance (MIP)
$152
You need at least $11,998 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 $2,869; principal and interest $2,280.
The city and its county
North Windham and Cumberland County
North Windham is in Cumberland 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).
North Windham
Map of Cumberland County, Maine, with North Windham marked. Around it, the neighboring counties.
North Windham
Cumberland County
Other cities with a page
North Windham's own numbers
Typical home value
$342,800
Typical monthly rent
$1,248
Typical yearly household income
$88,522
Households that own their home
80%
Effective property tax rate
1.03%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of Cumberland County
FHA limit, one-unit home
$615,250
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,941–$2,353
Price change over 5 years (FHFA)
+67%
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 Cumberland County.
A typical home in North Windham is worth $342,800: 24% below the county and 16% above Maine. With the typical household income in North Windham ($88,522 a year), a typical home costs 3.9 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.
North Windham3.9 years
Cumberland4.7 years
Maine4.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in Cumberland County
According to FHFA’s house price index, home prices in Cumberland County rose 116% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of Cumberland County.
Yearly change in FHFA’s price index in Cumberland County, 2016 to 2025
2016: +4.0% +4.0% 2016
2017: +6.3% +6.3% 2017
2018: +6.4% +6.4% 2018
2019: +4.9% +4.9% 2019
2020: +4.9% +4.9% 2020
2021: +14.9% +14.9% 2021
2022: +18.8% +18.8% 2022
2023: +11.6% +11.6% 2023
2024: +5.5% +5.5% 2024
2025: +4.1% +4.1% 2025
Change in FHFA’s price index in Cumberland County, Maine and the United States
Period
County
Maine
U.S.
Last year (2025)
+4.1%
+4.7%
+2.9%
5 years (2020–2025)
+67%
+68%
+47%
10 years (2015–2025)
+116%
+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
North Windham next to Cumberland 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
North Windham$342,800
Cumberland$451,200
Maine$296,600
United States$332,700
Typical monthly rent
North Windham$1,248
Cumberland$1,589
Maine$1,139
United States$1,413
Typical yearly household income
North Windham$88,522
Cumberland$95,677
Maine$74,733
United States$80,734
See the full table
North Windham next to Cumberland County and Maine
Measure
North Windham
Cumberland County
Maine
U.S.
Typical home value
$342,800 ▼24% below the county
$451,200
$296,600
$332,700
Typical monthly rent
$1,248 ▼21% below the county
$1,589
$1,139
$1,413
Typical yearly household income
$88,522 ▼7% below the county
$95,677
$74,733
$80,734
Households that own their home
80% ▲10 points above the county
70%
74%
65%
Typical yearly property tax
$3,546 ▼25% below the county
$4,707
$3,036
$3,119
Effective property tax rate
1.03% ▼0.01 points below the county
1.04%
1.02%
0.94%
Renters with high rent for their income
31% ▼19 points below the county
50%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Cumberland 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 North Windham
For a typical $342,800 home in North Windham, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, North Windham's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$2,869a month
Least cash to close
Down payment
$11,998
Cash to close
$22,282
Rate
7.18%
Mortgage insurance
FHA MIP · $152
Conventional, 5% down$2,806a month
Down payment
$17,140
Cash to close
$27,424
Rate
7.18%
Mortgage insurance
PMI · $163
Conventional, 20% down, no PMI$2,295a month
Down payment
$68,560
Cash to close
$78,844
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$2,612a month
Down payment
$51,420
Cash to close
$61,704
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in North Windham
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$2,869
$11,998
$336,591
7.18%
FHA MIP · $152
$22,282
580
Conventional, 5% down
$2,806
$17,140
$325,660
7.18%
PMI · $163
$27,424
620*
Conventional, 20% down, no PMI
$2,295
$68,560
$274,240
7.18%
None
$78,844
620*
ITIN, 15% down (example)
$2,612
$51,420
$291,380
8.18%
None
$61,704
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 North Windham is $1,248 a month: 21% below the county. In North Windham, 31% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for each area of Cumberland County. In Portland, ME HUD Metro FMR Area, the area where most people live, to pay the 2-bedroom one ($2,353 a month) without spending more than 30% of your income, you would need to earn $45.25 an hour working full time.
Fair market rent by size in Portland, ME HUD Metro FMR Area
What you need to earn to pay it without spending more than 30% of income, working full time.
HUD fair market rent in Portland, ME HUD Metro FMR Area (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,639
$31.52
$65,560
1 bedroom
$1,864
$35.85
$74,560
2 bedrooms
$2,353
$45.25
$94,120
3 bedrooms
$2,902
$55.81
$116,080
4 bedrooms
$3,092
$59.46
$123,680
HUD splits this county into 2 areas with different fair market rents: for 2 bedrooms they run from $1,941 to $2,353. 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 Cumberland 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.
Fair market rent by HUD area in Cumberland County
HUD area
Studio
1 bd
2 bd
3 bd
4 bd
Hourly wage, 2 bd
Portland, ME HUD Metro FMR AreaThe area where most people live19 towns in this area
Cape Elizabeth town, Casco town, Chebeague Island town, Cumberland town, Falmouth town, Freeport town, Frye Island town, Gorham town, Gray town, Long Island town, North Yarmouth town, Portland city, Raymond town, Scarborough town, South Portland city, Standish town, Westbrook city, Windham town, Yarmouth town
$1,639
$1,864
$2,353
$2,902
$3,092
$45.25
Cumberland County, ME (part) HUD Metro FMR Area9 towns in this area
Baldwin town, Bridgton town, Brunswick town, Harpswell town, Harrison town, Naples town, New Gloucester town, Pownal town, Sebago town
$1,545
$1,561
$1,941
$2,425
$3,244
$37.33
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 2027Source: Fair Market Rents (HUD)Fiscal year 2027Fair Market Rents (HUD) (external site)
By ZIP code
Fair market rent by ZIP code in North Windham
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). North Windham is in ZIP code 04062.
For 2 bedrooms it is $1,960.
Fair market rent by ZIP code and size in North Windham, fiscal year 2027.
ZIP code
Studio
1 bd
2 bd
3 bd
4 bd
04062
$1,360
$1,550
$1,960
$2,420
$2,580
ZIP code2 bd3 bd
04062 $1,960$2,420
1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for North Windham 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)
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 Cumberland County; 1 says it serves in Spanish.
No down payment, repair or rent-help program on our list is for North Windham or Cumberland County. The ones below are statewide in Maine: they work in North Windham 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.
The HUD-approved agencies closest to the center of North Windham, in a straight line, nearest first. If one says it serves in Spanish, its card says so.
No legal help resource on our list is for North Windham or Cumberland 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 North Windham and all of Cumberland 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 North Windham?
The typical home value in North Windham is $342,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Cumberland County it is $451,200.
How much does it cost to rent in North Windham?
Typical rent in North Windham is $1,248 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Cumberland County is $1,941–$2,353.
What is the FHA loan limit in North Windham?
North Windham uses the FHA limit for all of Cumberland 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 North Windham?
The typical homeowner in North Windham pays $3,546 a year, according to the U.S. Census Bureau. That is 1.03% of the home’s value; in Cumberland County, the rate is 1.04%.
Where can I find free help to buy or rent in North Windham?
There are 2 HUD-approved counseling agencies with an office in Cumberland County. 1 says it serves in Spanish. They can help you get ready to buy, with your credit, or with rent.
