Rental DSCR · Maine
Where rent covers the loan in Maine
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 10 of 16 Maine counties (63%). The typical Maine county has a DSCR of 1.08. Among markets with at least 2,500 renter homes and a loan of $55,000 or more, the highest DSCRs are in Penobscot County at 1.48, Washington County at 1.44 and Aroostook County at 1.40.
The biggest rental markets
In Maine’s largest rental markets, the rent covers the payment in Penobscot County (DSCR 1.48, break-even 12.5%), while the rent falls short of the payment in Cumberland County (DSCR 0.92, break-even 6.0%) and York County (DSCR 0.96, break-even 6.6%).
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Every Maine county, ranked
Ranked by DSCR at a 7% example rate on a mid-market home, 75% loan. † A 75% loan there is under $55,000, the smallest DSCR loan through Pinnacle Funding Network. * Small survey sample; treat as rough.
| # | County | Renter homes | 3-bed rent | Home price | DSCR at 7% (example) | Break-even rate |
|---|---|---|---|---|---|---|
| 1 | Penobscot County | 19,211 | $2,022 | $215,900 | 1.48 | 12.5% |
| 2 | Washington County | 2,886 | $1,449 | $159,400 | 1.44 | 12.1% |
| 3 | Aroostook County | 7,627 | $1,358 | $152,200 | 1.40 | 11.7% |
| 4 | Franklin County | 3,009 | $1,634 | $191,500 | 1.36 | 11.2% |
| 5 | Somerset County | 5,241 | $1,500 | $178,400 | 1.33 | 10.9% |
| 6 | Piscataquis County | 1,779 | $1,363 | $170,200 | 1.30 | 10.4% |
| 7 | Androscoggin County | 15,088 | $1,947 | $267,800 | 1.16 | 8.9% |
| 8 | Oxford County* | 4,679 | $1,507 | $219,500 | 1.11 | 8.3% |
| 9 | Kennebec County | 14,306 | $1,645 | $249,900 | 1.05 | 7.7% |
| 10 | Sagadahoc County | 3,645 | $2,197 | $347,500 | 1.03 | 7.4% |
| 11 | Hancock County | 5,489 | $1,909 | $328,000 | 0.97 | 6.7% |
| 12 | York County | 20,728 | $2,460 | $421,500 | 0.96 | 6.6% |
| 13 | Waldo County | 3,158 | $1,579 | $269,100 | 0.95 | 6.4% |
| 14 | Cumberland County | 39,903 | $2,676 | $478,000 | 0.92 | 6.0% |
| 15 | Knox County | 3,933 | $1,784 | $351,700 | 0.81 | 4.6% |
| 16 | Lincoln County | 2,904 | $1,632 | $355,100 | 0.77 | 4.1% |
Rates on this page are a 7% example, not a quote or an offer. DSCR here is 3-bedroom rent divided by principal, interest, property tax and insurance on a 75% loan with a 30-year fixed payment. At 1.00 the rent pays all of it. Figures are estimates from public data, for education only.
Questions
In how many Maine counties does a 3-bedroom rental cover the payment at 7%?
At a 7% example rate, a 3-bedroom rental on a mid-market home covers its full payment in 10 of 16 Maine counties (63%). The typical Maine county has a DSCR of 1.08. Move the example rate and the count changes: 14 counties cover at 6%, 10 at 7% and 8 at 8%.
Where in Maine does rent go furthest against the payment?
Among markets with at least 2,500 renter homes and a loan of $55,000 or more, the highest DSCRs are in Penobscot County at 1.48, Washington County at 1.44 and Aroostook County at 1.40.
Do Maine’s biggest rental markets cover the payment?
In Maine’s largest rental markets, the rent covers the payment in Penobscot County (DSCR 1.48, break-even 12.5%), while the rent falls short of the payment in Cumberland County (DSCR 0.92, break-even 6.0%) and York County (DSCR 0.96, break-even 6.6%).
How is this calculated?
Rent is HUD’s FY2027 Fair Market Rent for a 3-bedroom, adjusted to each county. Home prices are about the 40th percentile of local values from the Census Bureau’s 2020 to 2024 American Community Survey, brought to mid-2026 with the FHFA house price index. Property tax uses each county’s effective rate and insurance starts from NAIC 2023 average premiums. DSCR is rent divided by principal, interest, tax and insurance on a 75% loan at a 7% example rate, which is not a quote or an offer.
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