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Portland, Maine Retirement Guide
mild summersmild winterswalkable neighborhoodslow crime rate
48
Retirement Score
Portland, Maine at a Glance
- Median Home Price
- $460,700
- State Income Tax
- State income tax; Social Security partially exempt; pension deduction available.
- Avg January Low
- 35.4°F
- Cost of Living Index
- 100.7 (US avg = 100)
- Best For
- mild summers, mild winters, walkable neighborhoods, low crime rate
- RetireCityIQ Score
- 48 / 100
Things to Consider
- higher state tax burden
- limited healthcare options
- high annual rainfall
Retirement Data
Affordability
Cost of Living Index
100.7 (U.S. avg = 100)Medium confidence
BEA Regional Price Parities · Updated March 2026
Median Home Price
$460,700High confidence
U.S. Census ACS 1-Year · Updated April 2026
Median Monthly Rent
$1,372High confidence
U.S. Census ACS 1-Year · Updated April 2026
Taxes
Retirement Tax Score
30 / 100Medium confidence
Tax Foundation · Updated March 2026
Tax Details
State income tax; Social Security partially exempt; pension deduction available.Medium confidence
Tax Foundation · Updated March 2026
Retiree Readiness (Sprint 2)
Care Access Score (proxy)
34.5 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Aging-in-Place Score (proxy)
86 / 100High confidence
RetireCityIQ proxy model · Updated April 2026
Healthcare
Healthcare Access Score
34.5 / 100Medium confidence
CMS Hospital General Information · Updated March 2026
Climate
Avg July High
84.2°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Avg January Low
35.4°FMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Annual Precipitation
55.8"Medium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Sunny Days / Year
241 daysMedium confidence
Open-Meteo Historical Weather (ERA5) · Updated March 2026
Safety
Safety Score
100 / 100Medium confidence
FBI Crime Data Explorer · Updated March 2026
Walkability
Walk Score (proxy)
100 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Transit Score (proxy)
6.9 / 100Medium confidence
U.S. Census ACS 5-Year (B08301) · Updated March 2026
Demographics
Population
68,280High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Age
37.6High confidence
U.S. Census ACS 5-Year · Updated April 2026
Age 65+
16.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Median Household Income
$71,498High confidence
U.S. Census ACS 5-Year · Updated April 2026
Community Profile
Owner-Occupied Housing
45.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Veterans
4.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Bachelor's Degree+
57.7%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Poverty Rate
11.8%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Diversity
White
82.5%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Black
8.6%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Hispanic/Latino
2.3%High confidence
U.S. Census ACS 5-Year · Updated April 2026
Asian
3.4%High confidence
U.S. Census ACS 5-Year · Updated April 2026
10-Year Housing Stress Test (Estimate)
Estimate monthly homeowner carrying cost in Portland using median home price and adjustable assumptions. Stress case applies +10% property tax, +20% insurance, +10% maintenance.
Estimated monthly carrying cost
$998
Stress-case monthly carrying cost
$1,121
Median home price used: $460,700
Median rent reference: $1,372 / month
Estimate includes property tax, insurance, maintenance reserve, and HOA. It excludes mortgage, utilities, and one-time transaction costs.