1st Advantage MortgageThe median Sagadahoc County household earns $87,806, and 10% of residents live below the poverty line. A loan makes sense only if its total cost beats your alternatives and the payment fits your budget. Check the lender's Maine license first.
On this page
- A quick profile of Sagadahoc County
- What Sagadahoc County households earn
- How Sagadahoc County residents earn a living
- What it costs to live in Sagadahoc County
- Sagadahoc County towns compared
- Regional comparison for Sagadahoc County
- What a median Sagadahoc County budget can carry
- Before borrowing in Sagadahoc County
- Who lives in Sagadahoc County, in numbers
- A Sagadahoc County borrower's checklist
- Licensing and complaints for Sagadahoc County
- More guides for Sagadahoc County
- Frequently asked questions
A quick profile of Sagadahoc County
Roughly 37,285 residents live in Sagadahoc County, Maine, 12th by population among the state's 16 counties and county equivalents. It covers 254 square miles of land, or about 147 people per square mile. For statistical purposes it belongs to the Portland-South Portland, ME metro area, as delineated by the Office of Management and Budget in July 2023. Of the 10 Census places inside Sagadahoc County, Bath leads by population with about 8,815; 7 of the 10 are incorporated.
What Sagadahoc County households earn
At $87,806, the typical Sagadahoc County household income is 34% above the median U.S. county ($65,681). That places it 3rd among Maine's 16 county-level areas.
| Yearly household income | Sagadahoc County | Gap to Maine |
|---|---|---|
| Under $35,000 | 19.8% | -2.4 pts |
| $35,000 to $99,999 | 37.0% | -4.0 pts |
| $100,000 to $199,999 | 33.4% | +6.0 pts |
| $200,000 or more | 9.8% | +0.4 pts |
About 20% of households earn under $35,000, while 43% clear $100,000. Census counts 10.0% of Sagadahoc County residents in poverty, against 10.7% across Maine. Income inequality, measured by the Gini index, comes to 0.436 here. None of these numbers decides a Sagadahoc County application. Lenders weigh your own documented income against your own debts.
How Sagadahoc County residents earn a living
By the Census industry count, 26% of employed Sagadahoc County residents work in education and health care and 13% in retail trade. Compared with Maine, the county leans toward manufacturing (11% against 9%). ACS puts five-year average unemployment at 4.6% in Sagadahoc County. 16% of commuters travel 45 minutes or more each way, and 17% work from home. Households without a car make up 5.1% of the total (6.8% statewide).
| Sector | Sagadahoc County | Compared with Maine |
|---|---|---|
| Education and health care | 25.8% | -1.6 pts |
| Retail trade | 12.5% | 0.0 pts |
| Manufacturing | 11.4% | +2.4 pts |
| Professional and administrative services | 11.2% | +0.8 pts |
| Construction | 7.9% | +0.3 pts |
| Arts, lodging and food service | 7.6% | -0.2 pts |
A lender verifies what your own job pays. The county's industry mix tells you about the local economy, not about your application.
What it costs to live in Sagadahoc County
Renters in Sagadahoc County pay a median of $1,098 a month, 4% below the Maine figure of $1,139. 48% of renting households spend 30% or more of income on rent, and 23% spend half or more. With a median value of $333,300, a typical Sagadahoc County house costs 3.8 times what the median household earns in a year. The ownership rate is 78%. Half the housing stock was built before 1977.
| Housing | Sagadahoc County | Maine statewide | Typical U.S. county |
|---|---|---|---|
| Median gross rent | $1,098/mo | $1,139/mo | $877/mo |
| Median home value | $333,300 | $296,600 | $185,300 |
| Owners | 78% | 74% | 75% |
| Rent-burdened renters | 48% | 48% | 45% |
| Burdened owners | 29% | 27% | n/a |
| Vacant units | 15% | 21% | n/a |
Owners with equity have a second option. Weigh a secured line against an unsecured loan by risk as well as cost before you choose (how they compare).
Sagadahoc County towns compared
10 Census places fall mainly inside Sagadahoc County; the 10 biggest are below. They account for 30,997 residents, leaving about 17% of the county in unincorporated, unnamed areas. Phippsburg has the highest median household income on the list ($107,833) and Bath the lowest ($69,390), counting places with at least 500 residents. Rent is cheapest in Phippsburg ($1,022) and steepest in Arrowsic ($1,600). None of the 10 has its own city guide, so this page covers all of them.
| Community | Type | Residents | Household income (median) | Rent (median) | Distance |
|---|---|---|---|---|---|
| Bath | city | 8,815 | $69,390 | $1,044 | 1 mi |
| Topsham | CDP | 7,271 | $100,024 | $1,491 | 5 mi |
| Bowdoin | town | 3,188 | $91,239 | n/a | 13 mi |
| Woolwich | town | 3,158 | $102,175 | n/a | 5 mi |
| Phippsburg | town | 2,238 | $107,833 | $1,022 | 12 mi |
| Richmond | CDP | 2,089 | $73,014 | $1,067 | 13 mi |
| West Bath | town | 1,863 | $103,333 | $1,112 | 3 mi |
| Georgetown | town | 1,012 | $84,250 | $1,431 | 15 mi |
| Bowdoinham | CDP | 766 | n/a | n/a | 8 mi |
| Arrowsic | town | 597 | $99,107 | $1,600 | 5 mi |
CDP: census-designated place, an unincorporated community mapped for statistics.
Regional comparison for Sagadahoc County
The six counties whose centers lie closest to Sagadahoc County's, from 17 to 53 miles away. Cumberland County leads the group on income ($95,677), Androscoggin County trails ($67,873), and Sagadahoc County out-earns 5 of the six.
| Neighbor | Distance | Income | Rent | Own |
|---|---|---|---|---|
| Sagadahoc County | - | $87,806 | $1,098/mo | 78% |
| Lincoln County, ME | 17 mi | $76,875 | $1,055/mo | 82% |
| Androscoggin County, ME | 25 mi | $67,873 | $1,010/mo | 68% |
| Cumberland County, ME | 25 mi | $95,677 | $1,589/mo | 70% |
| Kennebec County, ME | 35 mi | $69,077 | $992/mo | 74% |
| Knox County, ME | 41 mi | $74,096 | $1,165/mo | 79% |
| Waldo County, ME | 53 mi | $72,782 | $1,021/mo | 82% |
What a median Sagadahoc County budget can carry
How much room does a median Sagadahoc County budget have? Take median income, subtract median rent, and check what is left under a few common debt-to-income limits.
- Start: $7,317 gross per month ($87,806 / 12)
- 15% goes to median rent ($1,098)
- $1,536: what a 36% ratio leaves once rent is paid
Subtract what you already pay on other debts. A new payment should fit in what remains, with some to spare.
Before borrowing in Sagadahoc County
Based on the Sagadahoc County data above, these borrowing questions are most likely to matter locally.
- Retirees. At a median age of 47.3, many borrowers here rely on award letters as proof of income; favor no prepayment penalty.
- Higher earners. 43% of households clear $100,000; shop at least three lenders and pick the shortest term.
- 48% rent-burdened. A payment on top of high rent needs a cushion; size it with the calculator.
Who lives in Sagadahoc County, in numbers
College graduates make up 44% of the adult population. The uninsured rate is 5.3%, against 6.2% for Maine.
| Measure | Sagadahoc County | Maine statewide | Typical U.S. county |
|---|---|---|---|
| Median age | 47.3 | 44.8 | 41.5 |
| Bachelor's or higher | 44.2% | 36.2% | 22.2% |
| No high school diploma | 4.3% | 5.2% | n/a |
| No health insurance | 5.3% | 6.2% | 7.8% |
| No vehicle | 5.1% | 6.8% | 5.4% |
| Work from home | 16.9% | 15.9% | 8.7% |
| Poverty rate | 10.0% | 10.7% | 13.2% |
| Unemployment (ACS) | 4.6% | 3.8% | 4.4% |
| One-way commute | Share of Sagadahoc County workers |
|---|---|
| Under 15 min | 30.0% |
| 15 to 29 min | 32.8% |
| 30 to 44 min | 21.2% |
| 45 to 59 min | 10.5% |
| 60+ min | 5.5% |
A Sagadahoc County borrower's checklist
A short checklist for Sagadahoc County borrowers:
- Write down what the expense costs; a smaller loan costs less.
- Compare the total repaid on every offer, not just the payment.
- Check the license, then the reviews, then the offer.
- Keep a small cushion so one surprise bill does not mean another loan.
Licensing and complaints for Sagadahoc County
Before sharing details with a lender, a Sagadahoc County resident can confirm its license with the Maine Bureau of Financial Institutions. Consumer lending in Maine is also overseen by the Maine Bureau of Consumer Credit Protection. Federal complaints: consumerfinance.gov. More on Maine: Maine personal loans.
More guides for Sagadahoc County
For statewide rules and data, see the Maine guide.
Frequently asked questions
How much do households in Sagadahoc County earn?
The median is $87,806; 43% earn $100,000 or more and 20% under $35,000. A lender uses your own documented income, not this figure.
What do renters pay in Sagadahoc County?
$1,098 a month at the median, about 15% of median household income.
Which towns does the Sagadahoc County guide cover?
Every community in the county, unincorporated areas included. The largest of its 10 Census places: Bath, Topsham, Bowdoin, Woolwich, Phippsburg.
Is the fit check different in Sagadahoc County?
No. It is identical everywhere, and it never looks at your neighborhood.
Who regulates personal lenders for Sagadahoc County residents?
The Maine Bureau of Financial Institutions licenses consumer lenders in Maine; the CFPB takes complaints about any lender, and the FTC wants to hear about fee-first offers.