Español

Este sitio también está en español. Leer en español

City · 5,631 residents · Cumberland County, Maine

Oak Hill , Maine

In Oak Hill, a typical home is worth $429,100 and typical rent is $1,743 a month. Compared with all of Cumberland County, typical rent is 10% higher and the share of households that own their home is 6 points higher.

WhatsApp

  • Typical home value

    $429,100

    5% below the county

    45% above Maine

    • Oak Hill
    • Cumberland
    • Maine

  • Typical rent

    $1,743a month

    10% above the county

    53% above Maine

    • Oak Hill
    • Cumberland
    • Maine

  • Typical household income

    $97,610a year

    2% above the county

    31% above Maine

    • Oak Hill
    • Cumberland
    • Maine

  • Households that own their home

    75%

    6 points above the county

    1 points above Maine

    • Oak Hill
    • Cumberland
    • Maine

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

Oak Hill 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

Data updated: October 1, 2026 11 official sources

Only here

What sets Oak Hill apart

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

  1. Oak Hill has the 2nd highest typical rent of the 33 cities in Maine with more than 5,000 people ($1,743).

  2. Nearby, in Old Orchard Beach, the typical rent is $1,246: 29% less than in Oak Hill ($1,743).

  3. 75% of households in Oak Hill own their home, against 70% in Cumberland County.

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

The homes here

Housing in Oak Hill

What homes there are in Oak Hill, 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 Oak Hill, 5 in 10 homes are single-family detached houses; in Cumberland County, 6.

Year built

The typical home in Oak Hill was built in 1991, 15 years after the typical one in Cumberland County.

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

$1,923 a month

Cumberland County: $2,186 a month

Without a mortgage

$967 a month

Cumberland County: $840 a month

Owners with a mortgage

57%

Cumberland County: 63%

Owning costs less in Oak Hill: with a mortgage, the typical cost is $1,923 a month; in Cumberland County, $2,186. Without one, $967.

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 boundaries of Oak Hill changed since 2015–2019, so the Census does not compare its figures from then and now. In Cumberland County, the typical home value rose 62%.

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

MeasureOak HillCumberland CountyMaineUnited States
Rental vacancy Unreliable estimate2.9%4.2%5.5%
Homeowner vacancy Unreliable estimate0.5%0.7%0.9%
More than one person per room Unreliable estimate1.1%1.4%3.4%
People per household 2.052.262.262.53
Drive alone 71%64%71%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate6%4%3%
Work from home 17%22%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 10 to 19 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Fewer people live in each home here: 2.05 on average, against 2.26 in Cumberland County.

The car rules in Oak Hill: 71% of workers drive to work alone, and the typical trip takes 10 to 19 minutes.

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 Oak Hill?

A typical home costs more than the typical income allows

We start with a typical home in Oak Hill, worth $429,100, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 44% of the typical household income in Oak Hill, which is $97,610 a year. For that payment to be 28% of income, a household would need to earn about $154,211 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Oak Hill. 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 $15,019 (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

$3,598

at 7.18% · 30 years

Loan amount
$421,327
Total interest
$606,191
Paid off in
November 2056

Includes $7,246 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,278 a month

  • Tight

    $2,278 to $2,928 a month

  • Hard

    more than $2,928 a month

    Your payment · 44%

Compared with the typical household income in Oak Hill ($97,610 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,598
Principal & interest$2,854
Property tax$376
Home insurance$179
FHA mortgage insurance (MIP)$190

You need at least $15,019 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

Oak Hill and Cumberland County

Oak Hill 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).

Oak Hill's own numbers

Typical home value
$429,100
Typical monthly rent
$1,743
Typical yearly household income
$97,610
Households that own their home
75%
Effective property tax rate
1.05%

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.

Everything about Cumberland County

Buying

Buying a home in Oak Hill

A typical home in Oak Hill is worth $429,100: 5% below the county and 45% above Maine. With the typical household income in Oak Hill ($97,610 a year), a typical home costs 4.4 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.

  • Oak Hill 4.4 years
  • Cumberland 4.7 years
  • Maine 4.0 years
  • United States 4.1 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.

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

Oak Hill 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
  • Oak Hill $429,100
  • Cumberland $451,200
  • Maine $296,600
  • United States $332,700
Typical monthly rent
  • Oak Hill $1,743
  • Cumberland $1,589
  • Maine $1,139
  • United States $1,413
Typical yearly household income
  • Oak Hill $97,610
  • Cumberland $95,677
  • Maine $74,733
  • United States $80,734
See the full table
Oak Hill next to Cumberland County and Maine
Measure Oak Hill Cumberland County Maine U.S.
Typical home value $429,100 $451,200 $296,600 $332,700
Typical monthly rent $1,743 $1,589 $1,139 $1,413
Typical yearly household income $97,610 $95,677 $74,733 $80,734
Households that own their home 75% 70% 74% 65%
Typical yearly property tax $4,496 $4,707 $3,036 $3,119
Effective property tax rate 1.05% 1.04% 1.02% 0.94%
Renters with high rent for their income 47% 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 Oak Hill

For a typical $429,100 home in Oak Hill, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Oak Hill's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,598a month

    Least cash to close
    Down payment
    $15,019
    Cash to close
    $27,892
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $190

  • Conventional, 5% down $3,520a month

    Down payment
    $21,455
    Cash to close
    $34,328
    Rate
    7.18%
    Mortgage insurance
    PMI · $204

  • Conventional, 20% down, no PMI $2,880a month

    Down payment
    $85,820
    Cash to close
    $98,693
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $3,276a month

    Down payment
    $64,365
    Cash to close
    $77,238
    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 Oak Hill and for Cumberland County.

Property tax

Effective rate in Oak Hill

1.05%of the home’s value each year

$4,496 a year for the typical owner in Oak Hill.

  • Oak Hill 1.05%
  • Cumberland 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 Cumberland County

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

FEMA’s maps count no homes in the high-risk zone in Cumberland 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 Oak Hill

Typical rent in Oak Hill is $1,743 a month: 10% above the county. In Oak Hill, 47% 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.

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.

HUD area Studio1 bd2 bd3 bd4 bdHourly wage, 2 bd
Portland, ME HUD Metro FMR Area The area where most people live
19 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 Area
9 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 2027 Source: Fair Market Rents (HUD) Fiscal year 2027 Fair Market Rents (HUD)

By ZIP code

Fair market rent by ZIP code in Oak Hill

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Oak Hill is in ZIP code 04074.

For 2 bedrooms it is $2,660.

  • 04074 $2,660$3,280

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

Free help

Help to buy or rent in Oak Hill

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.

An older woman smiles in front of her apartment building.

HUD counseling is free or low-cost

Assistance programs in Oak Hill

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

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

  • Avesta Housing Development Corporation

    307 Cumberland Ave, Portland · 6 miles away

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

  • Coastal Enterprises, Incorporated

    30 Federal Street, Brunswick · 29 miles away · Spanish

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 3 more
    (207) 517-9877

  • Community Concepts, Inc. Also DBA Homequestmaine

    17 Market Sq, South Paris · 44 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

Every agency in Cumberland County All counseling agencies in Maine

Help in Spanish near Oak Hill

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 Oak Hill

In HUD’s record, no housing authority with an office in Cumberland County is named for Oak Hill or Cumberland County.

4 other authorities have an office in Cumberland County: see the list Source: HUD

Cities

Other cities in Cumberland County

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

Everything about Cumberland County Housing in Maine

Nearby cities

The cities closest to Oak Hill, with the typical home value.

Neighboring counties

If Cumberland 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 Oak Hill.

All guides
A father smiles as he carries his baby on his shoulders outdoors.

Questions

Housing questions about Oak Hill

Short answers with the numbers for Oak Hill 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 Oak Hill?

The typical home value in Oak Hill is $429,100, 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 Oak Hill?

Typical rent in Oak Hill is $1,743 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 Oak Hill?

Oak Hill 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 Oak Hill?

The typical homeowner in Oak Hill pays $4,496 a year, according to the U.S. Census Bureau. That is 1.05% of the home’s value; in Cumberland County, the rate is 1.04%.

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

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.

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).