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Mackerel Cove
Maine›Cumberland County
Photo: Troy R. Bennett · CC BY-SA 4.0
Photo of Harpswell

Harpswell, ME · Photo: Troy R. Bennett · CC BY-SA 4.0 · Source ↗

Is Harpswell a good place to live?

Harpswell grades B+ overall, 34th of 142 graded towns in Maine, with clear strengths and some subjects that lag. It is healthier than 85% of U.S. towns and the median household earns $96K. It also does better than most on schools: its public schools beat 78% of Maine towns on state tests and graduation. Its lowest everyday mark is in cost of living: homes are expensive, about $719K for a typical one and 7.8 times the Portland metro’s $92K median household income. 39% of residents are 65 or older in Harpswell, above both Maine’s towns (21%) and U.S. towns (18%). Its National Register listings include Harpswell Meetinghouse and Eagle Island. Only 3 of the 143 Maine towns we compare have a lower share of children under 18 than Harpswell.

What makes Harpswell stand out

Where Harpswell beats most towns.

Harpswell Meetinghouse
Harpswell Meetinghouse · National Register of Historic Places
Harpswell’s story

184 years in pictures

Harpswell Meetinghouse is one of 2 National Historic Landmarks here, the National Register’s top tier.

Census counts: 1,071 in 1790, 5,031 in 2020. The archive holds 12 old photos and papers going back to 1757.

18 places on the National Register of Historic Places.

  • 1842Harpswell is settled
Explore the history →

How Harpswell grades

Each subject compared with towns across the country (schools within Maine), ordered by how far Harpswell is from typical.

How grading works
Character Graded, but not part of the overall grade.
Described, not graded Taste, not quality: snow or an older crowd is neither good nor bad.

How TownRatings grades towns →

Nearby attractions

Portland Head Light and 24 more within 40 miles

Museums, parks, gardens and other places to visit around Harpswell. Close and well known come first.

All 43 attractions →
Sources: National Park Service · ski areas © OpenSkiMap / OpenStreetMap contributors · Wikidata · Wikipedia readership · photos via Wikimedia Commons
Photo credits

Portland Head Light: Aniarku, CC BY-SA 3.0 · Fort Gorges: Dirk Ingo Franke, CC BY 3.0 · Maine Narrow Gauge Railroad Museum: No machine-readable author provided. Gwernol assumed (based on copyright claims), CC BY-SA 3.0 · Portland Museum of Art: John Phelan, CC BY 3.0

Getting set up

Moving to Harpswell: who provides what

Who provides power, water and the rest in Harpswell, and how to reach them.

The full setup list →
PowerCentral Maine Power27.4¢/kWh · EIA 2025HIFLD · EIA
WaterMillstone Apartments water systemNo health-based violations in 5 years · EPAEPA
Internet6 providers98% of addresses get 100/20 MbpsFCC
Trash & dumpTown of Harpswell Transfer Station48 Community DriveOpenStreetMap
SchoolsSchool Administrative District 75Which school depends on your addressNCES
Register to voteOnlineIn Maine you can register online until 21 days before Election Day, in person up to and including Election Day, or by mail (received 21 days before).vote.gov
Who runs elections hereHarpswell Town ClerkThe town itself; contacts on the Handbook page.FVAP, Oct 2026
ZIP codes04079, 04066, 0400304079 81% · 04066 12% · 04003 7%Census 2020

EPA SDWIS (Oct 9, 2026) · HIFLD + EIA-861 2025 · Census 2020 ZCTAs · NCES 2024–25 · registration: vote.gov, updated Aug 3, 2026.

The data

Ordered by what stands out in Harpswell.

Harpswell gets more snow than nearly all U.S. towns and has less tooth loss than most of Maine, but it has homes that cost more against local pay than most of Maine.

HousingCost of living grade C

For cost of living, Harpswell earns a C

At 7.8 years of the Portland metro’s $92K median household income, the typical home (about $719K) costs more against local pay than in 94% of Maine towns; that ratio is one input to its C for cost of living.

25% of Harpswell renter households spend 30% or more of their income on rent. The typical Harpswell home is worth about $719,000, up 2.9% in a year, 74% above the Maine typical home. Harpswell’s median rent is $1,348 a month.

$719KZillow home value
HarpswellMaine townsU.S. towns
Renters paying 30%+ of income on rent25%48%48%
Households that own their home83%81%73%
Median rent$1,348 a month$1,106 a month$1,185 a month

Typical home value

Harpswell$719K
Maine$412K
+2.9%
value change, 1 year

Census ACS, 2020–24 · Zillow Home Value Index · Redfin Data Center

SchoolsA−

For schools, Harpswell earns an A−

Its public schools are run by RSU 75/MSAD 75. Its one school is below.

78%of ME districts it outscoresA−School Grade
SchoolLevelStudentsLetter
Harpswell Community SchoolLargest public elementary schoolGrades K–5Grades K–5132C+

NCES · EDFacts · graded within ME on state tests and graduation

HealthA

A smaller share of adults sleep under 7 hours in Harpswell than in most of Maine or the rest of the country

Its widest gap with Maine is tooth loss: 8.5% of those 65+ have lost all their teeth, against 14.8% statewide.

26% of adults sleep under 7 hours in Harpswell. Only 5 of the 143 Maine towns we compare have a lower share of adults who smoke cigarettes than Harpswell. 14% of adults binge drink in Harpswell.

85%healthier than U.S. townsAHealth Grade
HarpswellMaine townsU.S. towns
Sleep under 7 hours (CDC PLACES)26%33%36%
Frequent mental distress (CDC PLACES)14%18%17%
Obesity (CDC PLACES)26%33%35%
Smoke cigarettes (CDC PLACES)9.9%15%14%
32 measures vs. Maine
20 better8 too close to call4 worse
What stands outHarpswellME
Fewer older adults who have lost all their teeth8.5%14.8%
Fewer adults facing food insecurity6.3%10.7%
More adults who have had cancer13.4%9.9%
Mainehealth Mid Coast Hospital
12.6 mi away · emergency room
None
primary care, dental or mental-health shortage
90th
percentile among ME towns

CDC PLACES 2025 · modeled estimates for adults · CMS · HRSA

Work & commuteJobs & income grade A−

Harpswell has 0.3 jobs for every working resident, so most commute out

Jobs based here grew from 326 in 2013 to 545.

Most working residents leave Harpswell for work: only 12% work in town. The average trip to work in Harpswell is 30 minutes. Jobs based in Harpswell grew to 545 in 2023, 219 more than in 2013.

12%work in town
HarpswellMaine townsU.S. towns
Average trip to work30 minutes25 minutes25 minutes
Below the poverty line5.6%9%9.6%
Median household income$96,000$78,000$80,000
Working residents who work in town12%12%8%

Where working residents work

In Harpswell12%
Brunswick15%
Portland13%
Bath6%
Topsham4%
15 mi
median commute distance
545
jobs based in Harpswell
A commuter town
jobs vs. working residents
C−
Walkability grade: more walkable than 24% of U.S. towns

Census LEHD 2023 · ACS

Natural hazardsHazard risk grade B+

Low risk in Harpswell, with coastal flooding at the top

Expected storm and flood damage is lower than in 69% of U.S. communities. Since 1978, 20 flood insurance claims have been paid out in Harpswell.

31risk score of 100
FEMA risk score
31Low riskLowerHigher
Coastal floodingInland floodingHurricanes
20
paid flood claims since 1978
8
federal disasters paid out here

FEMA flood insurance claims · FEMA National Risk Index · OpenFEMA

Climate

Harpswell has snowy winters and pleasant summers

The Gray weather station, 18 miles away, records that 84 inches of snow fall in a normal winter, more than in 95% of U.S. towns. July afternoons average 77.7°, cooler than in 96% of U.S. towns; January nights average 14.5°.

Harpswell has cold, snowy winters and pleasant summers, with plenty of rain.

84″snow a winter
HarpswellMaine townsU.S. towns
July high78°F79°F85°F
January low15°F10°F22°F

Typical low → high °F

Winter17–34°
Spring34–52°
Summer58–75°
Fall41–58°
Oct 19
typical first frost
Apr 28
typical last frost
+1.8°
vs. the 20th-century average

NOAA U.S. Climate Normals, 1991–2020

OutdoorsA−

Harpswell has set aside 3.4% of its land for conservation

25 miles of trail in 36 parks and preserves. The biggest park or preserve is Austin Cary Tree Farm, at 224 acres.

#124for trails in ME
HarpswellMaine townsU.S. towns
Miles of trail per square mile0.2 miles per square mile0.70.4
Conserved land3.4%4.8%4.3%
3.4%
conserved · 2,793 of 81,233 acres
25 mi
of trails · 0.2 per sq mi
Biggest places to walkTrailsAcres
1. Cliff Trail2 mi186
2. Mitchell Field2 mi105
3. Devil's Back Trail Area1.9 mi38

Trails & parks © OpenStreetMap contributors · Conserved land: USGS PAD-US

Keep exploring

Everything we know about Harpswell

19pages on Harpswell
After high school

Colleges nearby

2 within 15 miles of the center of Harpswell

By the sea

Harpswell lives by the ocean

Coastal flooding makes up 41% of the storm damage FEMA expects here.

33.5% of homes are seasonal or vacation homes, so the town is fuller in summer than its census count suggests.

41%of expected storm damage is coastal flooding
99thpercentile for coastal flood risk nationally
20paid flood-insurance claims since 1978
8storm & flood disasters paid out here

FEMA National Risk Index · OpenFEMA · OpenStreetMap

Landmarks

18 places in Harpswell on the National Register of Historic Places.

All landmarks →

About Harpswell

Town in Maine, United States

Official town website ↗

Harpswell is a town in Cumberland County, Maine, United States, on Casco Bay in the Gulf of Maine. The population was 5,031 at the 2020 census. Harpswell is composed of a peninsula contiguous with the rest of Cumberland County, called Harpswell Neck, as well as three large islands connected by bridges: Sebascodegan Island (locally known as Great Island), Orr's Island, and Bailey Island. Ninety-five smaller islands are within Harpswell's municipal borders. About 40% of Harpswell jobs were linked directly to maritime occupations or indirectly through recreation and tourism, according to a 2014 study by the National Oceanic and Atmospheric Administration. As of 2022, Harpswell had the highest …

From Wikipedia, licensed CC BY-SA 4.0 · facts via Wikidata (CC0)

Area
128 sq mi
Elevation
39 ft
ZIP code
04079
Area code
207

Harpswell’s neighbors

5 towns share a border with Harpswell.

Explore the map →
How the neighbors grade
TownME rankOverallCostSafetySchoolsHealth
Harpswell#34B+C—A−A
Brunswick#24A−C−BA−A
Freeport#9AC−B+AA
West Bath——B—B+B+
Phippsburg——A−—B+A−
Chebeague Island——————

West Bath and Phippsburg have fewer than 2,500 residents, so they get subject grades but no overall grade. Harpswell, West Bath and Phippsburg report no FBI crime data of their own. Chebeague Island isn’t graded (fewer than 1,000 residents, or not enough data). Compare Harpswell with a neighbor →

Questions about Harpswell

Short answers, built from the data on this page.

Is Harpswell, ME a good place to live?

By most measures, yes. Harpswell grades B+ overall, better than 74% of U.S. towns and #34 of 142 in Maine. It grades A for health and A− for schools. Walkability is its weak spot, with a C−.