Mortgage Rates in Livermore Falls, Maine — April 2026
Updated April 2026 | Based on Livermore Falls market data and regional lending conditions
Livermore Falls is a smaller Maine community of 20,591 where the housing market reflects local economic conditions. The current 30-year fixed rate here is 6.67% (0.58% above the national average). The median home price of $370,000 translates to roughly $2,265/month with 20% down — requiring an income of about $97,071, which exceeds the local median of $58,000.
Whether you call it a 30-year mortgage, 30-year home loan, 30-year house loan, or 30-year mortgage loan, the underlying product is the same: a fixed-rate amortizing loan paid over 360 months. In Livermore Falls, ME, the current 30-year rate is 6.67%. Shorter terms (15-year fixed at 5.93% or 20-year fixed, typically priced between the 15- and 30-year) reduce total interest paid but increase monthly payments — see our 15-year vs 30-year comparison for the math. Government-backed options include FHA loans (6.46%) and VA loans (6.21%), often available at lower rates with reduced down payment requirements.
Current Mortgage Rates in Livermore Falls, ME
Below are the current average mortgage rates available in the Livermore Falls area as of April 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 | 6.67% | 6.09% | +0.58% |
| 15-Year Fixed | 5.93% | 5.58% | +0.35% |
| 5/1 ARM | 6.2% | 5.95% | +0.25% |
| FHA | 6.46% | 5.85% | +0.61% |
| VA | 6.21% | 5.65% | +0.56% |
| Jumbo | 6.92% | 6.25% | +0.67% |
Livermore Falls Housing Market Overview
Housing in Livermore Falls sits near the national average at $370,000. With a median household income of $58,000 and a cost of living index of 103.5, some buyers may need to look at lower price points or consider larger down payments.
Monthly Payment Breakdown for Livermore Falls
Based on the median home price of $370,000 with 20% down ($74,000), here is what you can expect to pay monthly in Livermore Falls:
15-Year vs. 30-Year Mortgage in Livermore Falls
Choosing a 15-year mortgage in Livermore Falls at 5.93% instead of a 30-year at 6.67% would save you $237,780 in total interest over the life of the loan. However, your monthly payment would be $2,487 instead of $1,904 — an increase of $583 per month.
Calculate Your Livermore Falls 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 Livermore Falls
What are the current mortgage rates in Livermore Falls, ME?
As of April 2026, the average 30-year fixed mortgage rate in Livermore Falls, Maine is 6.67%, while the 15-year fixed rate is 5.93%. FHA loans average 6.46% and VA loans 6.21%. These rates are 0.58% above the national average of 6.09%.
How much is a monthly mortgage payment in Livermore Falls?
Based on the median home price of $370,000 with 20% down, the estimated monthly mortgage payment in Livermore Falls is $1,904 for principal and interest. Including property taxes of $361/month, the total monthly housing cost is approximately $2,265.
What income do I need to buy a home in Livermore Falls?
Using the 28% rule, you would need an annual income of approximately $97,071 to afford the median-priced home in Livermore Falls at $370,000. The median household income in Livermore Falls is $58,000. This means most households would need to either earn above the median or consider homes below $370,000.
Is Livermore Falls a good place to buy a home in 2026?
Livermore Falls has a moderate cost of living with a cost of living index of 103.5 (national average = 100). The property tax rate in Maine is 1.17%, which is near the national average. Livermore Falls has a population of 20,591 and offers a balanced lifestyle.
Mortgage Rates in Other Maine Cities
Related Tools & Guides
📊 Sources & Methodology
- 30-yr/15-yr fixed rates: Freddie Mac Primary Mortgage Market Survey (PMMS), weekly national average adjusted for Maine regional spread.
- Median home price: $370,000 sourced from Redfin / Zillow real estate listings (2026 data).
- Property tax rate: 1.17% effective rate per Tax Foundation 2026 state property tax data.
- Median household income: $58,000 per US Census Bureau ACS 5-year estimate.
- Calculations: standard amortization formula M = P[r(1+r)^n] / [(1+r)^n − 1], with r = monthly rate, n = 360 months, P = loan amount (80% of home price).
Last updated: April 2026. Rates are approximate averages based on regional lending data for the Livermore Falls, Maine area. Individual rates may vary by lender, credit score, loan amount, and other factors. Use our free calculator for a personalized estimate.