Boothbay Harbor, ME 04538 housing market
Data through Aug 2026 · Balanced market · leverage 51
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Home Value
$533,766
+3.9% vs. a year ago
Buyer Leverage Score
51
Sep 2026
Months of Supply
5.6 months
Aug 2026
Days on Market
74 days
Sep 2026
Price Cut %
22%
Sep 2026
Sale-to-List Ratio
99.9%
Aug 2026
Mtg Payment as % of Income
67%
Aug 2026
Overvalued %
72%
Aug 2026
Expected Disaster Loss
$112
Dec 2025
What this means
- Valuation. Prices are 72% above what local incomes have historically supported (this area's pre-2020 price-to-income ratio).
- Prices. Home values are up 3.9% over the past year (U.S.: +1.2%).
- Supply. Listings are 37% below the 2017-19 norm and rising (+28% vs. a year ago): still a tight market.
- Negotiating. Buyer leverage is moderate (51/100; U.S.: 54): homes sell for about 0.1% below their final list price; 22% of listings had a price cut (U.S.: 26%).
- Affordability. A mortgage on the typical home takes 67% of the median household income (U.S.: 35%); it takes about $126k a year to keep the payment at 30% of gross pay. That includes about $1,244 a year for home insurance (U.S.: $1,790).
- Disaster risk. FEMA expects about $112 a year in natural-disaster damage per $100k of building value (U.S.: $155), mostly from flooding.
- Outlook. Leaning up: likely −5% to +11% over the next 12 months (75% chance of a rise).
Next 12 months
Leaning up
Prices are more likely to rise than fall over the next year. Likely change: −5.2% to +11.1% (80% range; middle estimate +4.1%), chance of a rise 75%, of a 5%+ drop 10%.
HouseVane's model, refit every month on local market signals and national ones, trained only on data known at the time. How accurate it has been.
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Other ZIP codes in Lincoln County, ME
| Area | Home value | 1-year change | Buyer leverage |
|---|---|---|---|
| Waldoboro, ME 04572 | $339.2K | −1.2% | 73 |
| Wiscasset, ME 04578 | $409.3K | +1.0% | 44 |
| Jefferson, ME 04348 | $359.2K | +2.0% | 72 |
| Damariscotta, ME 04543 | $480.8K | −2.4% | 48 |
| Whitefield, ME 04353 | $337K | +6.7% | 1 |
| Newcastle, ME 04553 | $465K | −3.3% | 25 |
| Nobleboro, ME 04555 | $440.1K | +2.3% | 61 |
| Boothbay, ME 04537 | $520.5K | +1.6% | 72 |
| Dresden, ME 04342 | $356.6K | +1.6% | 35 |
| Bristol, ME 04539 | $521.2K | +0.3% | 80 |
| Edgecomb, ME 04556 | $411.7K | +1.9% | 89 |
| Boothbay, ME 04544 | $725.1K | +3.3% | 25 |
| Bremen, ME 04551 | $485K | +9.3% | 79 |
| Alna, ME 04535 | – | – | 11 |
| Walpole, ME 04573 | – | – | 92 |
| Southport, ME 04576 | $887.2K | +6.2% | 52 |
| Bristol, ME 04564 | – | – | 48 |
| Bristol, ME 04554 | $644.8K | +1.5% | 46 |
| South Bristol, ME 04568 | $936.6K | +2.6% | 55 |
| Trevett, ME 04571 | – | – | 15 |
| Pemaquid, ME 04558 | – | – | 0 |
| West Boothbay Harbor, ME 04575 | – | – | 4 |
| Monhegan, ME 04852 | – | – | 57 |
| Chamberlain, ME 04541 | – | – | 0 |
| ZIP 04341 | – | – | – |
| ZIP 04570 | – | – | – |