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Harpswell, ME Utility & Living Guide
Utilities, housing, taxes, cost of living, and local insights — everything residents and families need.
Monthly Utility Costs
$150/mo
—
$50/mo
$30/mo
$70/mo
Housing Market
| Rent & Property | |
|---|---|
| 1 Bedroom | $1100/mo |
| 2 Bedrooms | $1400/mo |
| 3 Bedrooms | $2000/mo |
| Median Home Price | $340,000 |
| Property Tax Rate | 1.15% |
| Avg Childcare/mo | $1200 |
The housing market in Harpswell is competitive, with a mix of older and newer homes, and a growing demand for waterfront properties. Rentals are scarce, and prices are rising. Homeowners can expect to pay around 1.15% of their home’s value in property taxes annually.
Cost of Living
108
+8% above national average
105
92
102
$1200
Tax Rates
| Tax Overview | |
|---|---|
| Total Sales Tax | 5.5% |
| Property Tax Rate | 1.15% |
| <p>State 5.5% + no county or city tax</p> | |
Maine state income tax ranges from 5.2% to 7.95%, with a top marginal rate of 7.95% applying to income above $50,000.
Family & Relocation
40
7.2/10
$1200/mo
City Pulse
Harpswell has limited public transportation, but its rural roads are generally stroller-friendly, with wide shoulders and scenic views.
- Popham Beach State Park
- Wolfe's Neck Woods State Park
- Harpswell Heritage Land Trust trails
Best Neighborhoods for Families
Household Budget Calculator
Estimate your real monthly cost of living in Harpswell based on your household profile.
📰 Live Local News
Harpswell has regulations in place to protect its coastal environment and preserve its rural character, including zoning restrictions and a comprehensive plan.
Financial Tools
- Income Tax CalculatorEstimate take-home pay by state
- Mortgage CalculatorMonthly payment estimator
- Affordability CalculatorHow much home can you afford?
- Childcare Cost EstimatorCompare daycare costs by city
- Retirement PlannerRetirement readiness check
- Car Lease CalculatorMonthly lease payment estimator
- Savings CalculatorGrow your emergency fund
- City Comparison ToolCompare cities side by side
Find Another City Guide
Search by city name or ZIP code to find utility costs, housing data and cost of living guides.
📊 Harpswell — Census & Demographic Data
Official data from the US Census Bureau, American Community Survey.
☀️ Seasonal Utility Costs
Utility costs in Harpswell fluctuate seasonally, with higher electricity bills in the summer due to air conditioning, and higher heating oil bills in the winter. However, the town's mild coastal climate means that extreme temperatures are rare, and energy costs are generally lower than in inland areas.
🏛️ Local Tax Details
The ZIP code 04079 has a property tax millage rate of 15.5, with no local surtaxes. Homeowners can expect to pay around 1.15% of their home's value in property taxes annually.
👶 Family & Stroller Friendliness
Score: 6, Harpswell's rural roads and lack of sidewalks in some areas make it less stroller-friendly than other towns, but its scenic coastal trails and parks offer plenty of opportunities for family outdoor recreation.
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