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City · 7,035 residents · Knox County, Maine

Rockland , Maine

In Rockland, a typical home is worth $245,800 and typical rent is $1,092 a month. Compared with all of Knox County, the typical home value is 24% lower, typical household income is 24% lower, and the share of households that own their home is 17 points lower.

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  • Typical home value

    $245,800

    24% below the county

    17% below Maine

    • Rockland
    • Knox
    • Maine

  • Typical rent

    $1,092a month

    6% below the county

    4% below Maine

    • Rockland
    • Knox
    • Maine

  • Typical household income

    $56,533a year

    24% below the county

    24% below Maine

    • Rockland
    • Knox
    • Maine

  • Households that own their home

    62%

    17 points below the county

    12 points below Maine

    • Rockland
    • Knox
    • Maine

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

Market now, with Zillow data

Zillow data
Typical home value
$342,291
3.4% less than 12 months ago
Typical rent
$1,719 a month

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

Rockland is in Knox 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 Knox County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Rockland apart

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

  1. 62% of households in Rockland own their home, against 79% in Knox County.

  2. According to Zillow, in the 12 months to September 2026 the typical home value in Rockland fell 3.4%; in Maine, it rose 1.6%.

  3. The typical home in Rockland is worth $245,800, 24% less than in Knox County as a whole ($324,900).

  4. The typical household income in Rockland is $56,533, 24% less than in Knox County as a whole ($74,096).

  5. Nearby, in Augusta, the typical home value is $201,000: 18% less than in Rockland ($245,800).

  6. Nearby, in Augusta, the typical rent is $919: 16% less than in Rockland ($1,092).

Sources: U.S. Census Bureau (Average 2020–2024); Zillow (September 2026 data). Zillow data

The homes here

Housing in Rockland

What homes there are in Rockland, 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 Rockland, 5 in 10 homes are single-family detached houses; in Knox County, 8.

Year built

There are fewer big homes in Rockland than in Knox County: 47% have 3 bedrooms or more, against 62%.

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

$1,388 a month

Knox County: $1,691 a month

Without a mortgage

$738 a month

Knox County: $740 a month

Owners with a mortgage

62%

Knox County: 55%

In Rockland, 62% of owners have a mortgage, and their typical cost is $1,388 a month, against $1,691 in Knox County. Without one it drops to $738.

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 Rockland rose 42%; in Knox County, it rose 52%.

The typical rent in Rockland rose 40% over the same time; in Knox County, it rose 36%.

The typical household income in Rockland rose 28%: less than home values (+42%) and rent (+40%).

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

MeasureRocklandKnox 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 estimate0.9%1.4%3.4%
People per household 1.922.122.262.53
Drive alone 62%69%71%69%
Carpool 9%9%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike 7%4%4%3%
Work from home 22%17%16%15%
Other means Unreliable estimate2%1%2%
Typical commute Unreliable estimate10 to 19 minutes20 to 29 minutes20 to 29 minutes

Households in Rockland are smaller: 1.92 people on average; in Knox County, 2.12.

In Rockland, 22% of workers work from home, more than in Knox County (17%).

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 Rockland?

A typical home costs more than the typical income allows

We start with a typical home in Rockland, worth $245,800, 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 Rockland, which is $56,533 a year. For that payment to be 28% of income, a household would need to earn about $93,604 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Rockland. 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 $8,603 (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

$2,184

at 7.18% · 30 years

Loan amount
$241,348
Total interest
$347,243
Paid off in
November 2056

Includes $4,151 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $1,319 a month

  • Tight

    $1,319 to $1,696 a month

  • Hard

    more than $1,696 a month

    Your payment · 46%

Compared with the typical household income in Rockland ($56,533 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$2,184
Principal & interest$1,635
Property tax$338
Home insurance$102
FHA mortgage insurance (MIP)$109

You need at least $8,603 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

Rockland and Knox County

Rockland is in Knox 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).

Rockland's own numbers

Typical home value
$245,800
Typical monthly rent
$1,092
Typical yearly household income
$56,533
Households that own their home
62%
Effective property tax rate
1.65%

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

Numbers for all of Knox County

FHA limit, one-unit home
$541,287
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,503
Price change over 5 years (FHFA)
+84%
Homes in a high flood-risk zone
2.5%

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 Knox County.

Everything about Knox County

Buying

Buying a home in Rockland

A typical home in Rockland is worth $245,800: 24% below the county and 17% below Maine. With the typical household income in Rockland ($56,533 a year), a typical home costs 4.3 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.

  • Rockland 4.3 years
  • Knox 4.4 years
  • Maine 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Knox County

According to FHFA’s house price index, home prices in Knox County rose 127% in the 10 years through 2025.

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

Period County Maine U.S.
Last year (2025) +3.8% +4.7% +2.9%
5 years (2020–2025) +84% +68% +47%
10 years (2015–2025) +127% +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

Rockland next to Knox 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
  • Rockland $245,800
  • Knox $324,900
  • Maine $296,600
  • United States $332,700
Typical monthly rent
  • Rockland $1,092
  • Knox $1,165
  • Maine $1,139
  • United States $1,413
Typical yearly household income
  • Rockland $56,533
  • Knox $74,096
  • Maine $74,733
  • United States $80,734
See the full table
Rockland next to Knox County and Maine
Measure Rockland Knox County Maine U.S.
Typical home value $245,800 $324,900 $296,600 $332,700
Typical monthly rent $1,092 $1,165 $1,139 $1,413
Typical yearly household income $56,533 $74,096 $74,733 $80,734
Households that own their home 62% 79% 74% 65%
Typical yearly property tax $4,059 $3,786 $3,036 $3,119
Effective property tax rate 1.65% 1.17% 1.02% 0.94%
Renters with high rent for their income 58% 50% 48% 51%

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

For a typical $245,800 home in Rockland, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Rockland's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $2,184a month

    Least cash to close
    Down payment
    $8,603
    Cash to close
    $15,977
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $109

  • Conventional, 5% down $2,139a month

    Down payment
    $12,290
    Cash to close
    $19,664
    Rate
    7.18%
    Mortgage insurance
    PMI · $117

  • Conventional, 20% down, no PMI $1,772a month

    Down payment
    $49,160
    Cash to close
    $56,534
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,000a month

    Down payment
    $36,870
    Cash to close
    $44,244
    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 Rockland and for Knox County.

Property tax

Effective rate in Rockland

1.65%of the home’s value each year

$4,059 a year for the typical owner in Rockland.

  • Rockland 1.65%
  • Knox 1.17%
  • 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 Knox County

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

Homes in the high-risk zone
2.5%
498
Of those, with NFIP insurance
30%
County Maine U.S.
Homes in the high-risk zone 2.5% 1% 3.5%
Of those, with NFIP insurance 30% 79% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Rockland

Typical rent in Rockland is $1,092 a month: 6% below the county. In Rockland, 58% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Knox County, by unit size. To pay the 2-bedroom one ($1,503 a month) without spending more than 30% of your income, you would need to earn $28.90 an hour working full time.

HUD fair market rent for all of Knox 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 $1,101 $21.17 $44,040
1 bedroom $1,236 $23.77 $49,440
2 bedrooms $1,503 $28.90 $60,120
3 bedrooms $1,968 $37.85 $78,720
4 bedrooms $1,975 $37.98 $79,000

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 Rockland

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Rockland is in ZIP code 04841.

For 2 bedrooms it is $1,380: $123 less than the fair market rent for Knox County ($1,503).

  • 04841 $1,380$1,790

A ZIP code counts for Rockland 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 Rockland

HUD lists 10 buildings with rents for lower incomes in Rockland. These are the largest.

  • Rankin Center 1 Rankin St, Rockland 04841 50 low-income homes · For older adults
  • Methodist Conference Home (MCH) 39 Summer St, Rockland 04841 48 low-income homes · For older adults
  • Stella Maris House 148 Broadway, Rockland 04841 48 low-income homes · For older adults
  • Coughlin Park 205 Rankin St, Rockland 04841 30 low-income homes · For families
  • Stevens Green Apts 5 Lovejoy St, Rockland 26 low-income homes · 1 bd: 9 · 2 bd: 8 · 3 bd: 9 · In service since 2004 · For families

See all 17 buildings in Knox County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Rockland

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

A grandmother smiles, seated at home.

HUD counseling is free or low-cost

Assistance programs in Rockland

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

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

  • Waldo Community Action Partners

    9 Field St Ste 201, Belfast · 22 miles away

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

  • Kennebec Valley Community Action Program

    101 Water St, Waterville · 38 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (207) 859-1500

  • Coastal Enterprises, Incorporated

    30 Federal Street, Brunswick · 44 miles away · Spanish

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

All counseling agencies in Maine

Help in Spanish near Rockland

1 of the 3 agencies on this list says it serves 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 Rockland

HUD lists no housing authority with an office in Knox County. One in a neighboring county or the state’s may serve the area.

All housing agencies in Maine Source: HUD

Cities

Nearby cities

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

Everything about Knox County Housing in Maine

Neighboring counties

If Knox 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 Rockland.

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

Questions

Housing questions about Rockland

Short answers with the numbers for Rockland and all of Knox 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 Rockland?

The typical home value in Rockland is $245,800, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Knox County it is $324,900.

How much does it cost to rent in Rockland?

Typical rent in Rockland is $1,092 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Knox County is $1,503.

What is the FHA loan limit in Rockland?

Rockland uses the FHA limit for all of Knox 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 Rockland?

The typical homeowner in Rockland pays $4,059 a year, according to the U.S. Census Bureau. That is 1.65% of the home’s value; in Knox County, the rate is 1.17%.

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

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