Cost of Living in Belfast, ME

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3%
Overall NAT. AVG.
3%
Groceries NAT. AVG.
0%
Housing NAT. AVG.
Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
The cost of living index is based on a national average of 100. For example, if the cost of living score is 90, then the estimated cost of living is 10% lower than the national average. If the score is 110, then the estimated cost of living is 10% higher than average. The overall index is calculated using weighted estimates across major everyday expense categories, including housing (30%), groceries (16%), transportation (12%), healthcare (10%), utilities (8%), lifestyle and entertainment (8%), household expenses (8%), and education and childcare (8%). All values are AI-assisted city-level estimates designed for directional comparisons.
Index Belfast Maine National
Cost of living103100100
Groceries103103100
Health care101101100
Housing10091100
Transportation105103100
Utilities110108100
Lifestyle & Entertainment104103100
Household Items103103100
Education & Childcare104106100
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Homes For Sale In Belfast, ME

property for sale

2 Goose River ESTS

Swanville, ME
property for sale

16 R W Macleod Ln

Belfast, ME
property for sale

137 Union St

Belfast, ME
property for sale

60 Doak Rd

Belfast, ME
See the Newest Homes For Sale In Belfast, ME

Cost Of Living Quick Facts

  • The cost of living in Belfast is 3% higher than the Maine average
  • The cost of living in Belfast is 3% higher than the national average
  • Belfast housing is equal to the national average
  • Maine general sales tax is 8% higher than the national average
  • Maine state income tax is 123% higher than the national average

Most Affordable Places to Live in and Around Belfast

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Compare Belfast, ME Cost of Living

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      Salary Calculator

      This is how much you would need to earn in
      Price difference in compared to
      Cost of living index
      Groceries index
      Health care index
      Housing index
      Transportation index
      Utilities index
      Lifestyle index
      Household index
      Educare index

      Median Income & Debt-To-Income Ratio

      Median Income Per Year Per Month Max Budget (28% DTI) Max Budget (36% DTI)
      Owners$98,326$8,194$2,294$2,950
      Renters$47,316$3,943$1,104$1,420
      A good way to judge both the affordability of the housing and the cost of living in Belfast is by simply calculating the maximum that should be spent on housing, otherwise known as the debt-to-income ratio (DTI). The plan is to avoid spending more than 28 percent of the gross income on costs that pertain to housing and no more than 36 percent on all expenses and debts. Belfast has a median income of about $98,326 for people who own homes. Based on that number, a maximum of $2,294 should be spent on expenses related to housing. Renters have a slightly different median income, which is $47,316. Based on this average, renters should spend no more than $1,104 on all rental costs if they want to maintain a non-impoverished standard of living.

      Maine Sales Tax

      State General Sales Tax With Max Surtax
      Maine 5.5% 5.5%

      Maine Income Tax

      State Income Tax (Low) Income Tax (High)
      Maine 5.8% 7.15%

      Nearby cities with low cost of living

      City Population Cost of Living Index National Avg.
      Bucksport, ME2,994946.2%
      Searsport, ME1,0761044.0%
      Camden, ME3,67511919.1%
      Castine, ME82915151.4%
      Belfast, ME6,9681032.9%

      Cities with similar population

      City Population Cost of Living Index National Avg.
      Pembroke Park, FL6,9708911.0%
      La Follette, TN6,9708415.9%
      Pacific, MO6,965936.6%
      Kirtland, OH6,9651098.8%
      Cramahe, ON6,971n/a 
      Belfast, ME6,9681032.9%
      Date & Last Updated: These cost of living estimates reflect 2026 modeled data using U.S. Census housing inputs and AI-assisted city-level pricing models.
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