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Cap Rate Analysis: Bangor, ME

Investment metrics, interactive calculators, and data-driven analysis for Bangor rental properties.

Challenging for pure cash flow
Based on $225,000 median price and $1,150/mo median rent
Est. Cap Rate
3.68%
1% Rule
0.51%
Fails
GRM
16.3x
Price / Income
5.3x

Market Data

Median Home Price$225,000
Median Monthly Rent$1,150
Property Tax Rate1.32%
Population32,000
Population Growth0.2% / yr
Median Household Income$42,800
Vacancy Rate5.5%
Annual Appreciation2.4%

Cap Rate Calculator — Bangor

Pre-filled with Bangor medians. Adjust to match a specific property.

Property Details
$
$
3–8% typical
%
Monthly Expenses
1.32% rate
$
$
8–10% of rent
$
8–12% of rent
$
Cap Rate
2.97%Low
Net Operating Income ÷ Purchase Price
NOI / Year
$6,681
net operating income
Gross Rent Multiplier
16.3x
High (>15)
1% Rule
0.51%
✗ Fails
Monthly Cash Flow
$557
before debt service
Annual Breakdown
Gross Rental Income$13,800
Less Vacancy−$759
Effective Income$13,041
Less Operating Expenses−$6,360
Net Operating Income$6,681

Cash-on-Cash Return — Bangor

Factor in financing to see your actual return on invested capital in Bangor.

$
$56,250
%
%
years
$
taxes + ins + maint + mgmt
$
$
Cash-on-Cash Return
-8.25%Weak
Annual Cash Flow ÷ Total Cash Invested
Total Cash Invested
$63,000
$56,250 down + $6,750 closing
Monthly Mortgage
$1,100
on $169K loan
Monthly Cash Flow
$-433
after all expenses
Annual Cash Flow
$-5,197
before taxes
Cash Flow Breakdown
Monthly Rent$1,150
Less Expenses−$483
Less Mortgage−$1,100
Monthly Cash Flow$-433

Is Bangor a Good Place to Invest in Rental Property?

Bangor, ME has a population of 32,000 and has been growing at 0.2% annually — roughly in line with national trends, meaning demand is stable but not exceptional. The median home price of $225,000 paired with median rents of $1,150/mo produces an estimated cap rate of 3.68%.

Property taxes at 1.32% fall within the national average range and shouldn't present unusual challenges. The vacancy rate of 5.5% is moderate and within normal parameters for a healthy rental market.

At a price-to-income ratio of 5.3x, homes cost about 5.3 times the local median income of $42,800. This moderate ratio indicates a balanced rent-vs-buy market. Home values have appreciated at roughly 2.4% annually. Steady appreciation means total returns will be primarily cash flow-driven — the more sustainable model for long-term wealth building.

Bottom line: At current median prices, Bangor is challenging for pure cash flow investing. Consider BRRRR strategies with below-market purchases, or look at neighboring metros with stronger price-to-rent ratios.

Run a BRRRR analysis for Bangor
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