Mortgage Rates in Lisbon, Maine — March 2026
Updated March 2026 | Based on Lisbon market data and regional lending conditions
Lisbon is a growing city in Maine with a population of 9,713. The current 30-year fixed mortgage rate in Lisbon is 6.74%, which is 0.09% above the national average. With a median home price of $237,000 and a 20% down payment of $47,400, homebuyers can expect a monthly principal and interest payment of approximately $1,228.
Current Mortgage Rates in Lisbon, ME
Below are the current average mortgage rates available in the Lisbon area as of March 2026. Rates vary by lender, credit score, and loan-to-value ratio. Use our free calculator above to see your personalized estimate.
| Loan Type | Rate | National Avg | Difference |
|---|---|---|---|
| 30-Year Fixed | 6.74% | 6.65% | +0.09% |
| 15-Year Fixed | 5.98% | 5.89% | +0.09% |
| 5/1 ARM | 6.24% | 6.15% | +0.09% |
| FHA | 6.49% | 6.25% | +0.24% |
| VA | 6.24% | 6.05% | +0.19% |
| Jumbo | 6.99% | 6.85% | +0.14% |
Lisbon Housing Market Overview
The Lisbon housing market offers relatively affordable housing compared to many major cities. The median household income in Lisbon is $59,200, and the cost of living index is 103.9 (national average = 100). Based on the 28% affordability rule, you would need an income of approximately $63,900 to comfortably afford the median-priced home in Lisbon, which exceeds the current median household income.
Monthly Payment Breakdown for Lisbon
Based on the median home price of $237,000 with 20% down ($47,400), here is what you can expect to pay monthly in Lisbon:
15-Year vs. 30-Year Mortgage in Lisbon
Choosing a 15-year mortgage in Lisbon at 5.98% instead of a 30-year at 6.74% would save you $154,440 in total interest over the life of the loan. However, your monthly payment would be $1,598 instead of $1,228 — an increase of $370 per month.
Calculate Your Lisbon Mortgage Payment
Use our free calculator to get a personalized estimate based on your loan amount, interest rate, and term.
Open Free CalculatorFrequently Asked Questions About Mortgages in Lisbon
What are the current mortgage rates in Lisbon, ME?
As of March 2026, the average 30-year fixed mortgage rate in Lisbon, Maine is 6.74%, while the 15-year fixed rate is 5.98%. FHA loans average 6.49% and VA loans 6.24%. These rates are 0.09% above the national average of 6.65%.
How much is a monthly mortgage payment in Lisbon?
Based on the median home price of $237,000 with 20% down, the estimated monthly mortgage payment in Lisbon is $1,228 for principal and interest. Including property taxes of $263/month, the total monthly housing cost is approximately $1,491.
What income do I need to buy a home in Lisbon?
Using the 28% rule, you would need an annual income of approximately $63,900 to afford the median-priced home in Lisbon at $237,000. The median household income in Lisbon is $59,200. This means most households would need to either earn above the median or consider homes below $237,000.
Is Lisbon a good place to buy a home in 2026?
Lisbon has a moderate cost of living with a cost of living index of 103.9 (national average = 100). The property tax rate in Maine is 1.33%, which is near the national average. Lisbon has a population of 9,713 and offers a balanced lifestyle.
Mortgage Rates in Other Maine Cities
Related Tools & Guides
Last updated: March 2026. Rates are approximate averages based on regional lending data for the Lisbon, Maine area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.