Southern Maine · Sagadahoc County
Buying a Home in Topsham, Maine: What It Really Takes
Topsham sits across the Androscoggin from Brunswick with a distinct market: newer construction, family subdivisions, and prices that typically run below Brunswick on the same square footage. Sagadahoc County status means a different assessor and mil rate than Brunswick but the same job market and school reputation tier. At the current market rate (6.81%), a household income near $149,000 typically fits Topsham’s cited median of $445,000 with ten percent down and low debts. That figure is an estimate, not an offer. Run your own with The 207 Number, which uses your inputs against Topsham’s real mil rate.
Data as of 2024-10. Verify with the town assessor before writing an offer.
What your money buys in Topsham
A mid-market budget in Topsham buys a four-bedroom colonial on a real lot in a newer subdivision, or an older single family in the village. New construction is more available than in Brunswick. Multifamily is rare.
Property taxes in plain English
Topsham’s mil rate is $17.94 per $1,000 of assessed value (Maine Revenue Services Property Tax Division / town assessor, as of 2024-10). Worked example: a home assessed at $445,000 carries a gross annual tax bill of about $7,983 before any exemptions. Maine’s homestead exemption reduces taxable value by a set amount for owners who occupy the home as a primary residence, which lowers the actual bill. Assessed value is not always the same as sale price. When Topsham does a full revaluation the two converge; between revals the gap can be significant. Ask the assessor’s office for the current assessed value on any property you are considering before you write an offer.
Neighborhoods and districts
Topsham divides between the historic village near the Androscoggin and the newer subdivisions on the town's south side around the Topsham Fair Mall corridor.
- Topsham VillageHistoric village center near the Androscoggin with older single families.
- Topsham Fair Mall areaCommercial spine and newer subdivisions on the town's south side.
- Foreside RoadOlder single families with larger lots along the river corridor.
Local anchors: Androscoggin Falls, Topsham Fair Mall, Cathance River.
Commute reality
Topsham is twenty-five to thirty-five minutes to downtown Portland on I-295. Brunswick is five minutes across the river. Bath is twenty minutes east.
Typical drive times off peak: to downtown Portland 30 min, to Portsmouth NH 65 min. Mileage-driven estimates, not a promise of a specific trip time.
Who Topsham fits
Topsham fits families who want newer construction and family subdivisions at prices below Brunswick, Bath Iron Works employees, and Portland commuters who want a Sagadahoc County address. It does not fit buyers who want a walkable downtown; Brunswick has that.
The 207 Number, preloaded to Topsham
Enter your income, monthly debts, and down payment. The tool returns the highest purchase price you can carry in Topsham at today’s market rate, using Topsham’s real mil rate and cited median.
Enter your numbers
Assumptions (editable)
Neighboring towns to compare
Frequently asked questions about buying in Topsham
What income do you need to buy a house in Topsham Maine?
At the current market rate and the cited Topsham median (around $445,000), qualifying typically requires household income in the mid five figures to low six figures with ten percent down. The 207 Number returns your exact fit.
How much are property taxes in Topsham Maine?
Topsham's mil rate is shown at the top of this page. On a $445,000 home, a mil rate of $17.94 works out to about $7,980 a year before Maine's homestead exemption.
Is Topsham Maine a good place to live?
Topsham offers newer single-family neighborhoods, family schools, and easy access to Brunswick and the Midcoast. It runs quieter and more suburban than Brunswick.
How much is a house in Topsham Maine?
The Sagadahoc County single family median sits around $445,000. Newer subdivisions trade at the median or above; older stock trades below.
How is the commute from Topsham to Portland?
Twenty-five to thirty-five minutes on I-295 off peak.
Market averages shown are sourced from the named indices and updated on their published schedule. These are market averages, not an offer or commitment to lend, and not a rate available to you. Your actual rate and payment depend on your credit score, down payment, qualifying income, loan type, loan amount, property type and occupancy, loan-to-value, points, and market conditions at lock. Rates change daily and are subject to change without notice. Figures are estimates for illustration only and do not constitute loan approval, a rate lock, or a guarantee. Travis Penny | NMLS #1649161 | Equal Housing Opportunity | nmlsconsumeraccess.org
Ready to run your number for Topsham?
Call or text 207.615.7770. Travis answers.