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City · 7,271 residents · Sagadahoc County, Maine

Topsham , Maine

In Topsham, a typical home is worth $388,500. Compared with all of Sagadahoc County, the typical home value is 17% higher and typical household income is 14% higher.

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  • Typical home value

    $388,500

    17% above the county

    31% above Maine

    • Topsham
    • Sagadahoc
    • Maine

  • Typical household income

    $100,024a year

    14% above the county

    34% above Maine

    • Topsham
    • Sagadahoc
    • Maine

  • Households that own their home

    75%

    3 points below the county

    1 points above Maine

    • Topsham
    • Sagadahoc
    • Maine

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

Market now, with Zillow data

Zillow data
Typical home value
$469,208
0.6% more than 12 months ago

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

Topsham is in Sagadahoc 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 Sagadahoc County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets Topsham apart

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

  1. Nearby, in Lewiston, the typical home value is $235,100: 39% less than in Topsham ($388,500).

  2. Topsham has the 3rd highest typical household income of the 34 cities in Maine with more than 5,000 people ($100,024).

  3. Topsham has the 3rd smallest share of rent-burdened renters of the 33 cities in Maine with more than 5,000 people (38%).

  4. The typical home in Topsham is worth $388,500, 17% more than in Sagadahoc County as a whole ($333,300).

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

The homes here

Housing in Topsham

What homes there are in Topsham, 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

The detached house is the most common home in Topsham: 74% of homes, near the figure in Sagadahoc County (75%).

Year built

The typical year built in Topsham is 1979, about the same as in Sagadahoc County (1977).

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

$1,836 a month

Sagadahoc County: $1,817 a month

Without a mortgage

$831 a month

Sagadahoc County: $707 a month

Owners with a mortgage

62%

Sagadahoc County: 65%

In Topsham, 62% of owners have a mortgage; their typical cost is $1,836 a month, about the same as in Sagadahoc County.

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 typical home value in Topsham rose 69% since 2015–2019, more than in Sagadahoc County (56%).

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

MeasureTopshamSagadahoc 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 estimateUnreliable estimate1.4%3.4%
People per household 2.362.252.262.53
Drive alone 63%71%71%69%
Carpool Unreliable estimate8%8%9%
Public transit Unreliable estimateUnreliable estimate1%3%
Walk or bike Unreliable estimate3%4%3%
Work from home 18%17%16%15%
Other means Unreliable estimateUnreliable estimate1%2%
Typical commute Unreliable estimate20 to 29 minutes20 to 29 minutes20 to 29 minutes

Much as in Sagadahoc County, a household in Topsham has 2.36 people on average.

To get to work, 63% of workers in Topsham drive alone; in Sagadahoc County, 71%.

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 Topsham?

A typical home costs more than the typical income allows

We start with a typical home in Topsham, worth $388,500, 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 Topsham, which is $100,024 a year. For that payment to be 28% of income, a household would need to earn about $140,869 a year.

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

Your numbers

Local data
$

Starts at the typical home value in Topsham. 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 $13,598 (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

$3,287

at 7.18% · 30 years

Loan amount
$381,463
Total interest
$548,835
Paid off in
November 2056

Includes $6,561 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,334 a month

  • Tight

    $2,334 to $3,001 a month

  • Hard

    more than $3,001 a month

    Your payment · 39%

Compared with the typical household income in Topsham ($100,024 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$3,287
Principal & interest$2,584
Property tax$369
Home insurance$162
FHA mortgage insurance (MIP)$172

You need at least $13,598 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

Topsham and Sagadahoc County

Topsham is in Sagadahoc 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).

Topsham's own numbers

Typical home value
$388,500
Typical yearly household income
$100,024
Households that own their home
75%
Effective property tax rate
1.14%

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

Numbers for all of Sagadahoc County

FHA limit, one-unit home
$615,250
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$1,659
Price change over 5 years (FHFA)
+69%
Homes in a high flood-risk zone
1.7%

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 Sagadahoc County.

Everything about Sagadahoc County

Buying

Buying a home in Topsham

A typical home in Topsham is worth $388,500: 17% above the county and 31% above Maine. With the typical household income in Topsham ($100,024 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.

  • Topsham 3.9 years
  • Sagadahoc 3.8 years
  • Maine 4.0 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Sagadahoc County

According to FHFA’s house price index, home prices in Sagadahoc County rose 117% in the 10 years through 2025.

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

Period County Maine U.S.
Last year (2025) +3.8% +4.7% +2.9%
5 years (2020–2025) +69% +68% +47%
10 years (2015–2025) +117% +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

Topsham next to Sagadahoc 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
  • Topsham $388,500
  • Sagadahoc $333,300
  • Maine $296,600
  • United States $332,700
Typical yearly household income
  • Topsham $100,024
  • Sagadahoc $87,806
  • Maine $74,733
  • United States $80,734
See the full table
Topsham next to Sagadahoc County and Maine
Measure Topsham Sagadahoc County Maine U.S.
Typical home value $388,500 $333,300 $296,600 $332,700
Typical yearly household income $100,024 $87,806 $74,733 $80,734
Households that own their home 75% 78% 74% 65%
Typical yearly property tax $4,431 $3,470 $3,036 $3,119
Effective property tax rate 1.14% 1.04% 1.02% 0.94%
Renters with high rent for their income 38% 48% 48% 51%

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

For a typical $388,500 home in Topsham, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Topsham's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $3,287a month

    Least cash to close
    Down payment
    $13,598
    Cash to close
    $25,253
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $172

  • Conventional, 5% down $3,216a month

    Down payment
    $19,425
    Cash to close
    $31,080
    Rate
    7.18%
    Mortgage insurance
    PMI · $185

  • Conventional, 20% down, no PMI $2,636a month

    Down payment
    $77,700
    Cash to close
    $89,355
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $2,996a month

    Down payment
    $58,275
    Cash to close
    $69,930
    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 Topsham and for Sagadahoc County.

Property tax

Effective rate in Topsham

1.14%of the home’s value each year

$4,431 a year for the typical owner in Topsham.

  • Topsham 1.14%
  • Sagadahoc 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 Sagadahoc County

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

Homes in the high-risk zone
1.7%
258
Of those, with NFIP insurance
29%
County Maine U.S.
Homes in the high-risk zone 1.7% 1% 3.5%
Of those, with NFIP insurance 29% 79% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in Topsham

The Census Bureau publishes no typical rent for Topsham. Below are the fair market rents for Sagadahoc County. In Topsham, 38% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for all of Sagadahoc County, by unit size. To pay the 2-bedroom one ($1,659 a month) without spending more than 30% of your income, you would need to earn $31.90 an hour working full time.

HUD fair market rent for all of Sagadahoc 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 $1,157 $22.25 $46,280
1 bedroom $1,332 $25.62 $53,280
2 bedrooms $1,659 $31.90 $66,360
3 bedrooms $2,297 $44.17 $91,880
4 bedrooms $2,773 $53.33 $110,920

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 Topsham

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Topsham is in ZIP code 04086.

For 2 bedrooms it is $2,210: $551 more than the fair market rent for Sagadahoc County ($1,659).

  • 04086 $2,210$3,060

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

HUD lists 3 buildings with rents for lower incomes in Topsham. These are the largest.

  • River Landing 29 Elm St, Topsham 36 low-income homes · 1 bd: 31 · 2 bd: 5 · In service since 2015 · For older adults
  • Barrons Hill Apartment I 23 Winter St, Topsham 04086 32 low-income homes · For older adults
  • Westrum House 22 Union Park Rd, Topsham 04086 28 homes, 27 low-income · For older adults

See all 12 buildings in Sagadahoc County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Topsham

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

A man leans over the armchair where a girl is reading a book.

HUD counseling is free or low-cost

Assistance programs in Topsham

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

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

  • Coastal Enterprises, Incorporated

    30 Federal Street, Brunswick · 2 miles away · Spanish

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

  • Avesta Housing Development Corporation

    307 Cumberland Ave, Portland · 25 miles away

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

  • Community Concepts, Inc. Also DBA Homequestmaine

    17 Market Sq, South Paris · 35 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

All counseling agencies in Maine

Help in Spanish near Topsham

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 Topsham

In HUD’s record, no housing authority with an office in Sagadahoc County is named for Topsham or Sagadahoc County.

One other authority has an office in Sagadahoc County: see the list Source: HUD

Cities

Other cities in Sagadahoc County

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

Everything about Sagadahoc County Housing in Maine

Nearby cities

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

Neighboring counties

If Sagadahoc 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 Topsham.

All guides
A mother smiles as she carries her young daughter on her shoulders (black and white).

Questions

Housing questions about Topsham

Short answers with the numbers for Topsham and all of Sagadahoc 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 Topsham?

The typical home value in Topsham is $388,500, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Sagadahoc County it is $333,300.

What is the FHA loan limit in Topsham?

Topsham uses the FHA limit for all of Sagadahoc 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 Topsham?

The typical homeowner in Topsham pays $4,431 a year, according to the U.S. Census Bureau. That is 1.14% of the home’s value; in Sagadahoc County, the rate is 1.04%.

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

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