The story of this market
The typical home in Sagadahoc County, Maine sells for about $431,000, or $255 per square foot.
Prices are up +1.8% from a year ago, so sellers still have some momentum. Homes take about 30 days to sell. Over the long run, values in this county have grown 198% since 2000. Last year 6 of 8 neighborhoods saw prices rise, so the story isn't the same street to street. The biggest natural hazard here is ice storm, which FEMA rates relatively high. HUD's fair market rent for a two-bedroom is $2,200 a month.
FEMA's National Risk Index rates overall hazard risk here as Relatively Low.
Price climate
Every year of price change, 2000–2025
+4%
2025
Each stripe is one year's median price change across the area's census tracts (FHFA repeat-sales index). Deep blue is a strong gain year, red a falling year. Best: 2022 (+20.7%). Worst: 2009 (-4%). Hover to read a year.
Monthly price momentum
Home values since 2015
+6.8%
ME · past 12 months
Freddie Mac House Price Index, single-family homes, monthly through 2026-08. Each line starts at 100 in January 2015, so a reading of 180 means prices are up 80% since then.
Neighborhood price trend
Long-run price trend, 2000–2025
+4%
2025 change
FHFA repeat-sales index, median of 8 census tracts in this county (2000 = 100). Bars are each year's median change.
Natural hazard exposure
The area's risk shape
35
Relatively Low
FEMA National Risk Index. Each spoke is a hazard ranked nationally, where 100 is the most exposed. Expected annual loss: $9,592,495.
Mortgage activity
Home lending in this county
79.6%
2018 approval rate
| Year | Applications | Loans made | Approval | Investor share | Median home value |
|---|---|---|---|---|---|
| 2018 | 1758 | 1004 | 79.6% | 4.5% | $230,000 |
CFPB Home Mortgage Disclosure Act records: every mortgage application reported by lenders for homes in this county. Approval rate is approved ÷ decided (withdrawn and incomplete files excluded). Investor share and home value are the median census tract.
Sagadahoc County, Maine
Sagadahoc County maintains a resilient residential market characterized by limited active inventory and sustained demand along the Kennebec River corridor. Moderate price appreciation of 1.8% year-over-year reflects a stable environment bolstered by high defense-manufacturing employment and low unemployment. Homes remain tightly held, keeping supply constrained across major towns such as Bath and Topsham.
No ARED distress-ledger coverage for this county yet — the foreclosure ingest rotates the national county directory, and filings appear here once the county's posted notices are read. Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.
Select a city to expand its ZIP intel reports beneath · 10 cities · 10 ZIP reports
Median prices moved up 1.1% year over year.
Homes spend a median of 43 days on market with 1.9 months of supply — a fast-moving market.
10% of listings have cut prices · homes sell at 68.15% of asking — demand is holding steady.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 2.8% · poverty 10.0% — a stable, low-distress profile.
Deterministic aggregate of 10 researched ZIP reports — sales_count-weighted (population fallback); per point, children lacking the value or its weight are excluded. Tax rates, sentiment and context notes are tier-native and never roll.
Sagadahoc County, Maine — researched county-level history with a deterministic 1 / 3 / 5-year projection
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 9.2%/yr trend — a deterministic estimate, not a published forecast or guarantee.
No researched properties in this county yet — the property base layer populates as property research runs, and each property feeds its ZIP's roll-up.
researched Sep 26
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researched Sep 26
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researched Sep 26
| 04008 | Bowdoinham | $395,000 | $215 | -2.1% | 43 | 98.2% | 12% | 4.5 | 18 | $1,850 | researched Sep 26 |
| 04086 | Topsham | $450,000 | $245 | +3.2% | 42 | 98.5% | 18.5% | 3.8 | 88 | $1,355 | researched Sep 26 |
| 04287 | Bowdoin | $410,685 | $216 | — | 55 | — | — | — | — | $1,659 | researched Sep 26 |
| 04357 | Richmond | $351,500 | $215 | +2.4% | 43 | 98.5% | 15% | 3.2 | 12 | $1,077 | researched Sep 26 |
| 04530 | Bath | $450,000 | $285 | +4.2% | 43 | 98.5% | 12% | 4.5 | 112 | $1,053 | researched Sep 26 |
| 04547 | Friendship | $401,000 | $245 | +2.1% | 55 | 99.2% | 22% | 3.2 | — | $1,370 | researched Sep 26 |
| 04548 | Georgetown | $450,000 | $285 | +3.5% | 42 | 98.5% | 12% | 3.2 | 18 | $1,431 | researched Sep 26 |
| 04562 | Phippsburg | $546,999 | $336 | +1.4% | 30 | 100.1% | 22.3% | 2.7 | 652,450 | $1,022 | researched Sep 26 |
| 04565 | Sebasco Estates | $558,750 | $336 | +1.4% | 30 | 100.1% | — | 2.7 | 652,450 | $1,659 | researched Sep 26 |
| 04579 | Woolwich | $700,000 | $321 | +2.5% | 45 | 98.5% | 15% | 4.2 | 12 | $2,100 | researched Sep 26 |
Figures are each ZIP report's own latest research — the county roll-up aggregates them sales_count-weighted (population fallback); ZIPs cycle quarterly.
Violent crime remains exceptionally low at approximately 37 reported offenses per 100,000 residents, tracking far below national benchmarks. Overall crime rates across county jurisdictions remain substantially lower than regional urban averages, though property crime occasionally rises in denser retail corridors.
Public schools are primarily administered through RSU 1 (serving Bath, Phippsburg, Arrowsic, and Woolwich) alongside SAD 75 (Topsham, Bowdoin, Bowdoinham), both earning above-average state evaluations. Strong community backing is reflected in modern educational facilities such as the Morse High School campus.
Primary hazard risks stem from severe coastal and riverine flooding along the Kennebec River, Merrymeeting Bay, and coastal inlets. Winter nor'easters bring high wind hazards and storm surges, driving rising coastal flood and homeowners insurance premiums throughout waterfront properties.
Economic momentum is firmly anchored by Bath Iron Works (General Dynamics), the county's largest industrial employer and critical naval manufacturing base. Auxiliary marine engineering, regional healthcare networks, and seasonal tourism across the Midcoast region bolster ongoing economic stability.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. Federal (United States (federal)) — Comprehensive Environmental Response, Compensation, and Liability Act (CERCLA) Superfund Liens: Establishes a statutory federal lien upon the parcel running in favor of the United States for all unrecovered cleanup costs, damages, and statutory interest incurred by the EPA. Rate and formula: Direct Dollar-for-Dollar Reimbursement (Lien Amount = Incurred Response Costs + Administrative Costs + Federal (United States (federal)) — Foreign Investment in Real Property Tax Act (FIRPTA) Withholding: Imposes an affirmative withholding tax obligation on the transferee (buyer) to withhold and remit tax on the gross amount realized (gross sales price). The statutory base withholding rate is 15% of the total purchase price (Formula: Tax = Amount Realized × 15%). Exemptions and reductions: (1) 0% wit Federal (United States (federal)) — Federal General Tax Lien Encumbrance: Under IRC § 6321, a statutory lien arises automatically as of the date of assessment and attaches to all real property owned or acquired by the taxpayer.
Sagadahoc County's economy is led by defense manufacturing, maritime trade, and healthcare, complemented by professional services and tourism. Bath Iron Works provides strong wage stability and high regional labor force retention across the Midcoast region.
The primary vehicular arteries are Interstate 295 and U.S. Route 1, linking the county southwest toward Portland and northeast across coastal Midcoast towns. Passenger rail via the Amtrak Downeaster serves neighboring Brunswick just across the county border.
Regional town planning boards actively address workforce housing shortfalls through targeted rezoning, multi-unit zoning allowances near downtown village nodes, and coastal wetland protection standards.
Maine operates under a municipal appraisal system where local town boards of assessors and municipal assessment officials conduct ad-valorem property appraisals under State Bureau of Revenue Services oversight rather than via a single county appraisal district.
Parcels are subject to municipal assessment alongside regional school administrative districts (RSU 1, MSAD 75), local water and sewer utility districts, and municipal tax increment financing (TIF) development zones.
Coastal proximity, wind, and riverine flood vulnerabilities have placed upward pressure on standard homeowner insurance policy costs and mandatory flood coverage premiums across low-lying floodplains.
- Urban Air Trampoline and Adventure Park3.830 mi
- Spare Time Portland4.527.8 mi
- Moose Mountain Adventure Park4.719.8 mi
- FunZ Trampoline Park3.928 mi
- The Escape Room4.726.3 mi
- Luke's Lobster Portland Pier4.625.9 mi
- Cross Insurance Arena4.226.3 mi
- Thompson's Point4.527.9 mi
- Children's Museum & Theatre of Maine4.527.9 mi
- Hadlock Field4.727.1 mi
- Coastal Maine Botanical Gardens4.97.2 mi
- Pemaquid Point Lighthouse4.813.9 mi
- Wolfe's Neck Woods State Park4.815.1 mi
- Reid State Park4.83.8 mi
- Maine Maritime Museum4.85.6 mi
- Portland Head Light4.825.1 mi
- Pemaquid Point Lighthouse4.813.9 mi
- Fort Williams Park4.825.3 mi
- Portland Museum of Art4.626.5 mi
- Children's Museum & Theatre of Maine4.527.9 mi
- Coastal Maine Botanical Gardens4.97.2 mi
- Pemaquid Point Lighthouse4.813.9 mi
- Wolfe's Neck Woods State Park4.815.1 mi
- Reid State Park4.83.8 mi
- Popham Beach State Park4.85.6 mi
- Birches Lakeside Campground4.229.8 mi
- Fore Points Marina4.525.4 mi
- Paul's Marina4.811.4 mi
- Spring Point Marina4.725.3 mi
- DiMillo's Marina4.425.9 mi
- Brunswick Golf Club4.612.6 mi
- Boothbay Harbor Country Club4.68.7 mi
- The Bath Golf Club3.99.3 mi
- Acker's Acres Disc Golf Course and Events Center4.819.6 mi
- Freeport Outlets4.516.2 mi
- Glidden Point Oyster Farms4.914.8 mi
- Shaw's4.116.8 mi
- Boothbay Lobster Wharf4.58.1 mi
- Shaw's46.8 mi
- Portland International Jetport4.428.7 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
The amenity base that shapes daily life and property demand in this county — what residents actually live with, and what the pipeline is adding.
Scenic peninsula beach attracting hundreds of thousands of annual visitors with expansive sandbars, dunes, and surf.
Sprawling 20-acre waterfront campus on the Kennebec River dedicated to preserving Maine's maritime heritage.
Internationally significant freshwater tidal river convergence featuring vast paddling, waterfowl, and bird-watching habitat.
Protected trail network in Topsham offering year-round hiking, ecological conservation, and educational programming.
Data USA compilation of ACS 5-year estimates alongside local county economic indicators.
Municipalities may place a tax lien on a property for unpaid taxes. If the taxes, interest, and costs are not paid within 18 months of the filing of the tax lien certificate, the lien automatically forecloses, and the municipality acquires title to the property.
36 M.R.S. § 943; establishes the automatic foreclosure process and notice requirements.
Maine requires a judicial process for mortgage foreclosure. The process involves a notice of default, followed by the filing of a foreclosure summons and complaint in court. The property owner has rights to participate in mediation and a redemption period as determined by the court.
Governed by Maine Rules of Civil Procedure and state statutes; judicial foreclosure is the standard procedure.
Sellers must provide a written disclosure statement to the purchaser covering the water supply system, heating system, waste disposal system, and the presence of hazardous materials (asbestos, lead-based paint, radon).
33 M.R.S. § 173; enacted 1999, with subsequent amendments regarding specific system disclosures.
applies when — The parcel must be the permanent residence of the owner and the owner must have been a Maine resident for at least 12 months prior to April 1st of the tax year.
Provides a reduction in the valuation of the homestead for property tax purposes. The exemption amount is set by state statute (currently $25,000 of the just value of the property). The formula is: (Just Value - Homestead Exemption) * Local Tax Rate = Tax Due.
36 M.R.S. § 683; effective for tax years beginning on or after April 1, 2016.
Governance registry — every jurisdiction re-researches on a rolling 90-day cycle. Property reports compose these inherited burdens into a per-parcel ledger with conditional determinations. Informational only — not legal advice.