Typical home value from Zillow, September 2021 to September 2026: from $397,443 to $521,694.
Typical rent
$1,918a month
▲ 2.7% more than 12 months ago
Typical rent from Zillow, March 2025 to September 2026: from $1,787 to $1,918.
From Zillow (ZHVI/ZORI), September 2026. The Census figures above are 5-year averages (2020–2024).
Saco is in York 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 York County. See the county
What homes there are in Saco, 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
Saco
York County
Maine
United States
Kind of home: Saco and its comparisons
Measure
Saco
York County
Maine
United States
Detached house
56%
70%
70%
61%
Attached house
7%
4%
3%
6%
Building of 2 to 4
16%
12%
10%
8%
Apartments (5 or more)
18%
9%
9%
19%
Mobile home
3%
6%
8%
6%
Boat, RV and other
Unreliable estimate
Unreliable estimate
0%
0%
The detached house is still the most common home in Saco, but it weighs less than in York County: 56% against 70%.
Year built
Before 19601960–19791980–19992000–20092010 or later
Saco
York County
Maine
United States
Year built: Saco and its comparisons
Measure
Saco
York County
Maine
United States
Before 1960
32%
31%
34%
26%
1960–1979
15%
19%
20%
24%
1980–1999
28%
26%
25%
25%
2000–2009
13%
13%
12%
14%
2010 or later
13%
10%
9%
11%
In Saco, half of the homes were built before 1982; in York County, before 1980.
What it costs here
U.S. Census Bureau, ACS 5-year, 2020–2024
Value of owner-occupied homes
Unreliable estimate
Under $100K5%
$100K–$200KUnreliable
$200K–$300K13%
$300K–$500K52%
$500K–$750K20%
$750K–$1M7%
$1M or moreUnreliable
Value of owner-occupied homes: Saco and its comparisons
Measure
Saco
Under $100K
5%
$100K–$200K
Unreliable estimate
$200K–$300K
13%
$300K–$500K
52%
$500K–$750K
20%
$750K–$1M
7%
$1M or more
Unreliable estimate
Monthly rent with utilities
Unreliable estimate
Under $500Unreliable
$500–$99913%
$1,000–$1,49924%
$1,500–$1,99934%
$2,000–$2,499Unreliable
$2,500–$2,999Unreliable
$3,000 or moreUnreliable
Monthly rent with utilities: Saco and its comparisons
Measure
Saco
Under $500
Unreliable estimate
$500–$999
13%
$1,000–$1,499
24%
$1,500–$1,999
34%
$2,000–$2,499
Unreliable estimate
$2,500–$2,999
Unreliable estimate
$3,000 or more
Unreliable estimate
With a mortgage
$2,088 a month
York County: $1,988 a month
Without a mortgage
$872 a month
York County: $738 a month
Owners with a mortgage
63%
York County: 63%
Owning costs more in Saco: with a mortgage, the typical cost is $2,088 a month; in York County, $1,988. Without one, $872.
How it changed
U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024
Change since 2015–2019
Typical home value
Saco+60%
York County+57%
Maine+56%
United States+53%
Typical rent
SacoNo clear change
York County+36%
Maine+34%
United States+33%
Typical household income
Saco+31%
York County+30%
Maine+29%
United States+29%
Change since 2015–2019: Saco and its comparisons
Measure
Saco
York County
Maine
United States
Typical home value
+60%
+57%
+56%
+53%
Typical rent
No clear change
+36%
+34%
+33%
Typical household income
+31%
+30%
+29%
+29%
Much as in York County, the typical home value in Saco rose 60% since 2015–2019.
The typical rent in Saco 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: Saco and its comparisons
Measure
Saco
York County
Maine
United States
Rental vacancy
Unreliable estimate
5.2%
4.2%
5.5%
Homeowner vacancy
Unreliable estimate
0.8%
0.7%
0.9%
More than one person per room
Unreliable estimate
1.1%
1.4%
3.4%
People per household
2.28
2.33
2.26
2.53
Drive alone
70%
72%
71%
69%
Carpool
7%
7%
8%
9%
Public transit
Unreliable estimate
1%
1%
3%
Walk or bike
Unreliable estimate
3%
4%
3%
Work from home
19%
17%
16%
15%
Other means
Unreliable estimate
1%
1%
2%
Typical commute
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
20 to 29 minutes
Much as in York County, a household in Saco has 2.28 people on average.
In Saco, 70% of workers drive alone to work; in York County, 72%.
Do the math
What would you pay each month for a home in Saco?
A typical home costs more than the typical income allows
We start with a typical home in Saco, worth $413,100, 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 Saco, which is $92,241 a year. For that payment to be 28% of income, a household would need to earn about $150,084 a year.
The calculator's FHA and conventional loan limits are those of all of York 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 Saco. 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 $14,459 (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
$3,502
at 7.18% · 30 years
Loan amount
$405,617
Total interest
$583,588
Paid off in
November 2056
Includes $6,976 FHA upfront mortgage insurance premium.
Does it fit the income?
Comfortable
up to $2,152 a month
Tight
$2,152 to $2,767 a month
Hard
more than $2,767 a month
Your payment · 46%
Compared with the typical household income in Saco ($92,241 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.
Monthly payment breakdown
Principal & interest
$2,748
Property tax
$399
Home insurance
$172
FHA mortgage insurance (MIP)
$183
You need at least $14,459 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 $3,502; principal and interest $2,748.
The city and its county
Saco and York County
Saco is in York 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).
Map of York County, Maine, with Saco marked. Around it, the neighboring counties.
York County
Saco's own numbers
Typical home value
$413,100
Typical monthly rent
$1,249
Typical yearly household income
$92,241
Households that own their home
73%
Effective property tax rate
1.16%
U.S. Census Bureau, American Community Survey (average 2020–2024).
Numbers for all of York County
FHA limit, one-unit home
$615,250
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,792–$2,376
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 York County.
A typical home in Saco is worth $413,100: 4% above the county and 39% above Maine. With the typical household income in Saco ($92,241 a year), a typical home costs 4.5 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.
Saco4.5 years
York4.5 years
Maine4.0 years
United States4.1 years
Source: U.S. Census Bureau, Average 2020–2024
How prices have changed in York County
According to FHFA’s house price index, home prices in York County rose 116% in the 10 years through 2025.
FHFA does not publish this index by city: these are the numbers for all of York County.
Yearly change in FHFA’s price index in York County, 2016 to 2025
2016: +4.3% +4.3% 2016
2017: +5.9% +5.9% 2017
2018: +6.6% +6.6% 2018
2019: +4.8% +4.8% 2019
2020: +4.9% +4.9% 2020
2021: +14.4% +14.4% 2021
2022: +15.7% +15.7% 2022
2023: +13.2% +13.2% 2023
2024: +5.2% +5.2% 2024
2025: +5.7% +5.7% 2025
Change in FHFA’s price index in York County, Maine and the United States
Period
County
Maine
U.S.
Last year (2025)
+5.7%
+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
Saco next to York 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
Saco$413,100
York$395,700
Maine$296,600
United States$332,700
Typical monthly rent
Saco$1,249
York$1,339
Maine$1,139
United States$1,413
Typical yearly household income
Saco$92,241
York$88,333
Maine$74,733
United States$80,734
See the full table
Saco next to York County and Maine
Measure
Saco
York County
Maine
U.S.
Typical home value
$413,100 ▲4% above the county
$395,700
$296,600
$332,700
Typical monthly rent
$1,249 ▼7% below the county
$1,339
$1,139
$1,413
Typical yearly household income
$92,241 ▲4% above the county
$88,333
$74,733
$80,734
Households that own their home
73% ▼4 points below the county
77%
74%
65%
Typical yearly property tax
$4,807 ▲27% above the county
$3,787
$3,036
$3,119
Effective property tax rate
1.16% ▲0.2 points above the county
0.96%
1.02%
0.94%
Renters with high rent for their income
50% ▲6 points above the county
44%
48%
51%
“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below York 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 Saco
For a typical $413,100 home in Saco, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Saco's typical property tax, an example home insurance and mortgage insurance when it applies.
FHA, 3.5% down$3,502a month
Least cash to close
Down payment
$14,459
Cash to close
$26,852
Rate
7.18%
Mortgage insurance
FHA MIP · $183
Conventional, 5% down$3,426a month
Down payment
$20,655
Cash to close
$33,048
Rate
7.18%
Mortgage insurance
PMI · $196
Conventional, 20% down, no PMI$2,810a month
Down payment
$82,620
Cash to close
$95,013
Rate
7.18%
Mortgage insurance
None
ITIN, 15% down (example)$3,192a month
Down payment
$61,965
Cash to close
$74,358
Rate
8.18%
Mortgage insurance
None
Four ways to pay for a typical home in Saco
Loan
Monthly payment
Down payment
Loan amount
Rate
Mortgage insurance
Cash to close
Minimum score
FHA, 3.5% down Least cash to close
$3,502
$14,459
$405,618
7.18%
FHA MIP · $183
$26,852
580
Conventional, 5% down
$3,426
$20,655
$392,445
7.18%
PMI · $196
$33,048
620*
Conventional, 20% down, no PMI
$2,810
$82,620
$330,480
7.18%
None
$95,013
620*
ITIN, 15% down (example)
$3,192
$61,965
$351,135
8.18%
None
$74,358
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 Saco is $1,249 a month: 7% below the county. In Saco, 50% of renter households pay 30% or more of their income in rent.
HUD publishes a fair market rent for each area of York County; Saco is in York County, ME (part) HUD Metro FMR Area. To pay the 2-bedroom one ($1,792 a month) without spending more than 30% of your income, you would need to earn $34.46 an hour working full time.
Fair market rent by size in York County, ME (part) 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 York County, ME (part) HUD Metro FMR Area (Fiscal year 2027)
Size
Fair rent a month
Hourly wage
Yearly income
Studio
$1,352
$26.00
$54,080
1 bedroom
$1,500
$28.85
$60,000
2 bedrooms
$1,792
$34.46
$71,680
3 bedrooms
$2,464
$47.38
$98,560
4 bedrooms
$2,773
$53.33
$110,920
HUD splits this county into 3 areas with different fair market rents: for 2 bedrooms they run from $1,792 to $2,376. 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 York County
HUD splits this county into 3 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 York County
HUD area
Studio
1 bd
2 bd
3 bd
4 bd
Hourly wage, 2 bd
York County, ME (part) HUD Metro FMR AreaThe area where most people liveSaco is in this area20 towns in this area
Acton town, Alfred town, Arundel town, Biddeford city, Cornish town, Dayton town, Kennebunk town, Kennebunkport town, Lebanon town, Limerick town, Lyman town, Newfield town, North Berwick town, Ogunquit town, Parsonsfield town, Saco city, Sanford city, Shapleigh town, Waterboro town, Wells town
$1,352
$1,500
$1,792
$2,464
$2,773
$34.46
York-Kittery-South Berwick, ME HUD Metro FMR Area5 towns in this area
Berwick town, Eliot town, Kittery town, South Berwick town, York town
$1,655
$1,816
$2,376
$2,831
$3,383
$45.69
Portland, ME HUD Metro FMR Area4 towns in this area
Buxton town, Hollis town, Limington town, Old Orchard Beach town
$1,639
$1,864
$2,353
$2,902
$3,092
$45.25
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 Saco
HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Saco is in ZIP code 04072.
For 2 bedrooms it is $2,070 in all of them.
Fair market rent by ZIP code, HUD area and size in Saco, fiscal year 2027. A ZIP code that crosses a HUD area line appears once per area.
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 York 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 Saco or York County. The ones below are statewide in Maine: they work in Saco 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 Saco or York 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 Saco and all of York 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 Saco?
The typical home value in Saco is $413,100, according to the U.S. Census Bureau (average 2020–2024). For comparison, in York County it is $395,700.
How much does it cost to rent in Saco?
Typical rent in Saco is $1,249 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in York County is $1,792–$2,376.
What is the FHA loan limit in Saco?
Saco uses the FHA limit for all of York 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 Saco?
The typical homeowner in Saco pays $4,807 a year, according to the U.S. Census Bureau. That is 1.16% of the home’s value; in York County, the rate is 0.96%.
Where can I find free help to buy or rent in Saco?
We found no HUD-approved counseling agencies with an office in York County; the nearest ones are on this page. They can help you get ready to buy, with your credit, or with rent.
