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City · 6,289 residents · Cumberland County, Maine

Yarmouth , Maine

In Yarmouth, a typical home is worth $576,900 and typical rent is $1,663 a month. Compared with all of Cumberland County, the typical home value is 28% higher.

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  • Typical home value

    $576,900

    28% above the county

    95% above Maine

    • Yarmouth
    • Cumberland
    • Maine

  • Typical rent

    $1,663a month

    5% above the county

    46% above Maine

    • Yarmouth
    • Cumberland
    • Maine

  • Typical household income

    $93,575a year

    2% below the county

    25% above Maine

    • Yarmouth
    • Cumberland
    • Maine

  • Households that own their home

    74%

    4 points above the county

    About the same as Maine

    • Yarmouth
    • Cumberland
    • Maine

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

Market now, with Zillow data

Zillow data
Typical home value
$762,964
4.1% more than 12 months ago
Typical rent
$2,489 a month

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

Yarmouth 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 Yarmouth apart

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

  1. Yarmouth has the highest typical home value of the 34 cities in Maine with more than 5,000 people: $576,900.

  2. Nearby, in North Windham, the typical home value is $342,800: 41% less than in Yarmouth ($576,900).

  3. Nearby, in North Windham, the typical rent is $1,248: 25% less than in Yarmouth ($1,663).

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

The homes here

Housing in Yarmouth

What homes there are in Yarmouth, 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 Yarmouth, 7 in 10 homes are single-family detached houses; in Cumberland County, 6.

Year built

Homes in Yarmouth are older: the typical year built is 1970; in Cumberland County, 1976.

In Yarmouth, 63% of homes have 3 bedrooms or more, more than in Cumberland County (56%).

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

$2,725 a month

Cumberland County: $2,186 a month

Without a mortgage

$987 a month

Cumberland County: $840 a month

Owners with a mortgage

83%

Cumberland County: 63%

The typical cost for an owner with a mortgage in Yarmouth is $2,725 a month, more than in Cumberland County ($2,186); without one, $987.

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 Yarmouth rose 75% since 2015–2019, more than in Cumberland County (62%).

Much as in Cumberland County, the typical rent in Yarmouth rose 39% since 2015–2019.

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

MeasureYarmouthCumberland 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 2.472.262.262.53
Drive alone 76%64%71%69%
Carpool Unreliable estimate7%8%9%
Public transit Unreliable estimate1%1%3%
Walk or bike Unreliable estimate6%4%3%
Work from home 19%22%16%15%
Other means Unreliable estimate1%1%2%
Typical commute 20 to 29 minutesUnreliable estimate20 to 29 minutes20 to 29 minutes

Households in Yarmouth are bigger: 2.47 people on average; in Cumberland County, 2.26.

To get to work, 76% of workers in Yarmouth drive alone; in Cumberland County, 64%.

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 Yarmouth?

A typical home costs more than the typical income allows

We start with a typical home in Yarmouth, worth $576,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 63% of the typical household income in Yarmouth, which is $93,575 a year. For that payment to be 28% of income, a household would need to earn about $209,388 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 Yarmouth. 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 $20,192 (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

$4,886

at 7.18% · 30 years

Loan amount
$566,450
Total interest
$814,989
Paid off in
November 2056

Includes $9,742 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,183 a month

  • Tight

    $2,183 to $2,807 a month

  • Hard

    more than $2,807 a month

    Your payment · 63%

Compared with the typical household income in Yarmouth ($93,575 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$4,886
Principal & interest$3,837
Property tax$553
Home insurance$240
FHA mortgage insurance (MIP)$255

You need at least $20,192 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

Yarmouth and Cumberland County

Yarmouth 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).

Yarmouth's own numbers

Typical home value
$576,900
Typical monthly rent
$1,663
Typical yearly household income
$93,575
Households that own their home
74%
Effective property tax rate
1.15%

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 Yarmouth

A typical home in Yarmouth is worth $576,900: 28% above the county and 95% above Maine. With the typical household income in Yarmouth ($93,575 a year), a typical home costs 6.2 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.

  • Yarmouth 6.2 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

Yarmouth 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
  • Yarmouth $576,900
  • Cumberland $451,200
  • Maine $296,600
  • United States $332,700
Typical monthly rent
  • Yarmouth $1,663
  • Cumberland $1,589
  • Maine $1,139
  • United States $1,413
Typical yearly household income
  • Yarmouth $93,575
  • Cumberland $95,677
  • Maine $74,733
  • United States $80,734
See the full table
Yarmouth next to Cumberland County and Maine
Measure Yarmouth Cumberland County Maine U.S.
Typical home value $576,900 $451,200 $296,600 $332,700
Typical monthly rent $1,663 $1,589 $1,139 $1,413
Typical yearly household income $93,575 $95,677 $74,733 $80,734
Households that own their home 74% 70% 74% 65%
Typical yearly property tax $6,643 $4,707 $3,036 $3,119
Effective property tax rate 1.15% 1.04% 1.02% 0.94%
Renters with high rent for their income 53% 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 Yarmouth

For a typical $576,900 home in Yarmouth, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, Yarmouth's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $4,886a month

    Least cash to close
    Down payment
    $20,192
    Cash to close
    $37,499
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $255

  • Conventional, 5% down $4,780a month

    Down payment
    $28,845
    Cash to close
    $46,152
    Rate
    7.18%
    Mortgage insurance
    PMI · $274

  • Conventional, 20% down, no PMI $3,920a month

    Down payment
    $115,380
    Cash to close
    $132,687
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,453a month

    Down payment
    $86,535
    Cash to close
    $103,842
    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 Yarmouth and for Cumberland County.

Property tax

Effective rate in Yarmouth

1.15%of the home’s value each year

$6,643 a year for the typical owner in Yarmouth.

  • Yarmouth 1.15%
  • 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 Yarmouth

Typical rent in Yarmouth is $1,663 a month: 5% above the county. In Yarmouth, 53% of renter households pay 30% or more of their income in rent.

HUD publishes a fair market rent for each area of Cumberland County; Yarmouth is in Portland, ME HUD Metro FMR Area. 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 liveYarmouth is in this area
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 Yarmouth

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). Yarmouth is in ZIP code 04096.

For 2 bedrooms it is $2,510.

  • 04096 $2,510$3,100

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

HUD lists 2 buildings with rents for lower incomes in Yarmouth. These are the largest.

  • Bartlett Woods 31 Bartlett Cir, Yarmouth 28 low-income homes · 1 bd: 22 · 2 bd: 6 · In service since 2017 · For older adults
  • Yarmouth Falls Apartments 18 Bridge St, Yarmouth 04096 22 low-income homes · For older adults

See all 138 buildings in Cumberland County Source: HUD, Retrieved November 6, 2026

Free help

Help to buy or rent in Yarmouth

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 Yarmouth

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

The HUD-approved agencies closest to the center of Yarmouth, 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 · 11 miles away

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

  • Coastal Enterprises, Incorporated

    30 Federal Street, Brunswick · 14 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 · 33 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 Yarmouth

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 Yarmouth

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

All guides
A mother holds her laughing daughter on a grey sofa.

Questions

Housing questions about Yarmouth

Short answers with the numbers for Yarmouth 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 Yarmouth?

The typical home value in Yarmouth is $576,900, 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 Yarmouth?

Typical rent in Yarmouth is $1,663 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 Yarmouth?

Yarmouth 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 Yarmouth?

The typical homeowner in Yarmouth pays $6,643 a year, according to the U.S. Census Bureau. That is 1.15% of the home’s value; in Cumberland County, the rate is 1.04%.

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

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).