M
MortgageMath
Free mortgage calculators for every state

Mortgage Calculator &
Closing Costs: Biddeford, ME

Mortgage payment estimates, closing cost breakdowns, and homebuying data for Biddeford, Maine.

Median Home Price
$365K
Population
23K
Avg Monthly Rent
$1,480
Property Tax Rate
1.3%
Biddeford vs Maine Median
The median home price in Biddeford is $365,000, which is roughly in line with the Maine state median of $350,000.

Mortgage Calculator — Biddeford, ME

Pre-filled with Biddeford median home price and Maine tax/insurance rates. Adjust for your property.

$
$73,000
%
%
years
ME avg
%
$
Monthly Payment (PITI)
$2,349
Principal + Interest + Tax + Insurance + PMI
Principal & Interest
$1,846
per month
Taxes & Insurance
$503
per month
Total Interest Paid
$372K
over 30 years
Total Loan Cost
$664K
all payments
Payment Breakdown
Loan Amount$292,000
Principal & Interest$1,846
Property Taxes$395
Homeowners Insurance$108
Total Monthly PITI$2,349

Closing Costs — Biddeford, ME

Estimated closing costs based on Maine rates and fees applied to Biddeford prices.

$
%
Maine: Avg closing costs 1.5% of price. Transfer tax: 0.44%.
Estimated Closing Costs
$12,701
3.5% of purchase price
Lender Fees
$3,053
origination, underwriting
Third-Party
$3,275
appraisal, title, inspection
Government Fees
$1,606
transfer taxes, recording
Prepaids + Escrow
$4,767
taxes, insurance, interest
Itemized Costs
Loan Origination (0.8%)$2,628
Underwriting Fee$350
Credit Report$75
Appraisal$550
Home Inspection$450
Title Search + Insurance$2,125
Recording Fee$150
Transfer Tax$1,606
Prepaid Taxes (3 mo)$1,186
Prepaid Insurance (12 mo)$1,300
Prepaid Interest (15 days)$878
Escrow Reserves$1,403
Total Closing Costs$12,701

Buying a Home in Biddeford, Maine

The median home price in Biddeford is $365,000, roughly in line with the Maine state median of $350,000. With a population of 22,516, Biddeford is a smaller market where home prices reflect strong demand and local economic factors.

Property taxes in Maine average 1.3% annually. This moderate property tax rate means a $365,000 home in Biddeford would carry roughly $395/month in property taxes. Homeowners insurance in Maine runs approximately $1,300 per year. This is within the normal range nationally.

Average rent in Biddeford is $1,480/month. With a price-to-rent ratio above 20, renting could be more economical in the short term — use our Rent vs Buy calculator to model your specific timeline.

Biddeford presents moderate affordability. The $365K median puts homeownership within reach for median-income households, though down payment savings and closing costs require planning.

Run a Rent vs Buy analysis
Compare total costs of renting vs buying in Biddeford.
Rent vs Buy Calculator →
Explore all of Maine: Maine Mortgage Calculator & Closing Costs →

More Cities in Maine

Related Guides

The First-Time Buyer Playbook
Free weekly guide: mortgage tips, market updates, and money-saving strategies. No spam.