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View PropertiesAs of Apr, 27 2026
Rabbu ROI Score
Harpswell offers attractive short-term rental potential, with a balance of healthy demand and revenue relative to property values.
Harpswell, ME is a small coastal market on Maine's mid-coast that commands premium nightly rates and delivers strong summer revenue, making it a compelling niche opportunity for STR investors. With an average daily rate of $394 and annual revenue averaging $83,635 across just 16 active listings, the market offers limited competition and meaningful earning potential during peak months. The ROI score of 63 out of 100 reflects an attractive balance of above-average occupancy stability and healthy revenue relative to property values, though the seasonal nature of demand requires careful financial planning.
According to Rabbu market data, the Harpswell short-term rental market shows:
| Metric | Context | Value |
|---|---|---|
| Active Airbnb Listings | As of Apr, 27 2026 | 16 |
| Average Daily Rate (ADR) | vs. $415 state avg. | $394 |
| Average Occupancy Rate | vs. 55% state avg. | 27% |
| RevPAN | ADR * Occupancy Rate | $107 |
| Average Monthly Revenue | Historical 12-month average | $6,969 |
| Average Annual Revenue | Historical 12-month average | $83,635 |
Data sources: Rabbu proprietary analytics as of Apr, 27 2026 and Zillow Home Value Index (ZHVI) as of Mar, 17 2026.
Harpswell appeals to investors seeking a low-competition coastal market where premium nightly rates and summer demand can generate meaningful returns despite pronounced seasonality.
Key investment factors
"Harpswell presents an attractive but seasonal STR opportunity. Revenue is heavily concentrated between June and September—August alone averages $15,761, more than six times the January figure of $2,605—so investors need to plan for meaningful off-season cash-flow gaps. The market's small listing count and above-average occupancy stability work in favor of existing and new hosts, while the average home value of roughly $1.19 million means the revenue-to-price ratio requires careful underwriting. Overall, this is a market where a well-appointed coastal property can perform very well in peak season, but success depends on realistic year-round budgeting."
— Rabbu Market Analysis Team
Harpswell's revenue profile is extremely seasonal, with August ($15,761) generating more than six times the income of January ($2,605). The peak window from June through September accounts for the lion's share of annual earnings, while October's $7,583 average suggests a worthwhile shoulder season before revenue drops sharply through winter.
| Month | Trend | Revenue |
|---|---|---|
| January |
|
$2,605 |
| February |
|
$2,815 |
| March |
|
$3,588 |
| April |
|
$4,018 |
| May |
|
$6,566 |
| June |
|
$9,000 |
| July |
|
$14,465 |
| August |
|
$15,761 |
| September |
|
$9,341 |
| October |
|
$7,583 |
| November |
|
$4,136 |
| December |
|
$3,752 |
The entire trackable supply in Harpswell consists of 3-bedroom properties, with 7 active listings in that category. This narrow distribution suggests either limited data visibility for other sizes or a genuine concentration of mid-size family-oriented rentals, which could signal opportunity for investors considering different bedroom configurations.
| Size | Trend | Value |
|---|---|---|
| 3 bedrooms |
|
7 |
Three-bedroom properties in Harpswell command an ADR of $437, a meaningful premium over the market-wide average of $394. This indicates that the larger, family-suitable homes are able to capture higher nightly rates, likely driven by waterfront positioning and ample living space.
| Size | Trend | Value |
|---|---|---|
| 3 bedrooms |
|
$437 |
Three-bedroom listings deliver a RevPAN of $139, which exceeds the overall market average of $107. This gap indicates that 3-bedroom properties maintain a stronger combination of rate and occupancy, translating to better effective yield per available night.
| Size | Trend | Value |
|---|---|---|
| 3 bedrooms |
|
$139 |
Three-bedroom properties achieve an average occupancy rate of 32%, outperforming the market-wide figure of 27%. While still reflective of Harpswell's seasonal demand pattern, the higher occupancy for this size suggests these homes attract the most consistent booking activity.
| Size | Trend | Value |
|---|---|---|
| 3 bedrooms |
|
32% |
Three-bedroom properties average $6,917 in monthly revenue, closely aligning with the overall market average of $6,969. Given that 3-bedrooms represent the primary listing type in Harpswell, this figure essentially defines the market's baseline earning potential.
| Size | Trend | Value |
|---|---|---|
| 3 bedrooms |
|
$6,917 |
At $83,004 in annual revenue, 3-bedroom properties represent nearly the full revenue picture for Harpswell's STR market. Investors targeting this configuration can use this figure as a practical benchmark, though top-performing waterfront properties likely exceed it.
| Size | Trend | Value |
|---|---|---|
| 3 bedrooms |
|
$83,004 |
Kitchens and parking are universal (100%) in Harpswell listings, followed by washer/dryer (94%) and outdoor amenities like backyards and BBQ grills (88%)—reflecting guest expectations for comfortable, self-sufficient coastal stays. Notably, 63% of listings highlight waterfront access and 38% offer beach access, underscoring the market's nature-driven appeal and the competitive advantage these features provide.
| Amenity | Trend | Value |
|---|---|---|
| Kitchen |
|
100% |
| Parking |
|
100% |
| Dryer |
|
94% |
| Washer |
|
94% |
| Backyard |
|
88% |
| BBQ Grill |
|
88% |
| Self Check-in |
|
81% |
| Patio or Balcony |
|
81% |
| Pets |
|
69% |
| Workspace |
|
63% |
| Waterfront |
|
63% |
| Outdoor Furniture |
|
56% |
| Beach Access |
|
38% |
| Beachfront |
|
13% |
Rabbu's ROI Score is a proprietary metric that evaluates short-term rental investment potential based on multiple factors.
| Factor | Harpswell Performance | Weight |
|---|---|---|
| Revenue-to-Price Ratio | Average | 40% |
| Occupancy Stability | Above average | 30% |
| Market Growth Trend | Average | 15% |
| Supply/Demand Balance | Average | 15% |
Harpswell's ROI score of 63 out of 100 places it in the 'Attractive Opportunity' band, reflecting a market where healthy seasonal revenue and above-average occupancy stability offset a middle-of-the-road revenue-to-price ratio driven by elevated home values. The supply/demand balance and market growth trend both rate as average, suggesting a stable environment without overheating. Investors should pair this score with a close look at local regulations and realistic off-season cash-flow modeling to fully evaluate the opportunity.
Understanding local STR regulations is essential before investing in Harpswell. Here's the current regulatory landscape:
Short-term rental operators in Harpswell, Maine may need to register or obtain permits from the town before listing a property. Investors should verify current requirements directly with Harpswell's town office and review any applicable state of Maine regulations.
Common STR restrictions in Maine's coastal communities can include occupancy limits, minimum stay requirements, noise and parking rules, and conditions imposed by homeowners' associations. Some municipalities also cap the number of permits available, so prospective hosts should confirm whether Harpswell enforces any such limitations.
Maine levies a 9% lodging tax on short-term rentals, and hosts should confirm whether additional local taxes apply in Harpswell. Major platforms like Airbnb typically collect and remit state lodging taxes on behalf of hosts, but operators are responsible for ensuring full compliance.
Regulations subject to change. Always verify with local authorities before purchasing. A Rabbu partner agent specializing in Harpswell can provide current regulatory guidance.
Financing an Airbnb investment in Harpswell requires lenders who understand STR income. Rabbu partner lenders offer:
"Over the next 12–18 months, Harpswell's short-term rental market is expected to maintain its strongly seasonal profile, with summer months (June through September) continuing to drive the bulk of annual income. ADR could see modest increases in the range of 2–5% as supply remains tight at just 16 listings and demand for Maine coastal getaways holds steady. Occupancy is likely to remain concentrated in the warmer months, with annual averages hovering around 25–30%, so investors should plan cash reserves for the quieter winter period. The 133% year-over-year growth in active listings suggests rising investor interest, and new entrants should move thoughtfully to avoid oversaturating this intimate market."
— Rabbu Market Analysis Team
Rabbu provides Airbnb and short-term rental market data and statistics across the United States. Our mission is to empower investors with accurate insights and easy-to-use tools, so they can confidently identify and act on the best opportunities in the Airbnb market.
Rabbu proprietary analytics as of Apr, 27 2026 and Zillow Home Value Index (ZHVI) as of Mar, 17 2026. Revenue projections are estimates based on comparable properties and do not guarantee future performance. Local regulations and permit requirements can change; always verify current rules with Harpswell town authorities and the state of Maine before investing. With only 16 active listings, market averages may be more volatile and less representative than in larger markets.
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