Side-by-side comparison of mortgage costs, property taxes, closing costs, and homeowners insurance between Idaho and Maine. Updated for 2026.
Metric
Idaho
Maine
Median Home Price
$420K
$350K
Property Tax Rate
0.63%
1.3%
Avg Closing Costs
$6K
$5K
Closing Cost %
1.5%
1.5%
Transfer Tax
None
0.44%
Homeowners Insurance
$1,600/yr
$1,300/yr
First-Time Buyer Program
Idaho Housing DPA
Up to 7% second mortgage
MaineHousing First Home
$5,000 Advantage grant
Verdict
Maine wins 3 of 6 cost categories, making it the more affordable state for homebuyers overall. With a median home price of $350K and lower overall costs, Maine offers meaningful savings compared to Idaho. Both states offer first-time buyer programs — explore the state pages for full details.