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Cape Neddick CDP, ME

ZIP 03902 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 03902

Median Home Value
$527,400
Median Rent
$1,558
Affordability Snapshot
$145,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,388/mo PITI).

14%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

4.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

28.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 03902 in Cape Neddick CDP, ME, a household would need roughly $145,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,388. That is roughly in line with the local median household income ($131,538). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 29% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
76.3%+17% vs US avg
x
Vacancy Rate
28.7%+178% vs US avg
x
Broadband Access
97.2%+12% vs US avg
x
4+ Bedrooms
0.9%-94% vs US avg
x
Built Pre-1939
6.4%-50% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
7.6%-85% vs US avg
x
Mortgage-Free
35.6%-7% vs US avg
x
$527,400
Home Value
$1,558
Rent
1977
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached90.7%
  • 1-unit attached6.5%
  • 2-9 units0.0%
  • 10+ units2.8%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$527,400
Median rent$1,558
Owner-occupied76.3%
Vacant28.7%
Price-to-income4.0x
Est. income to buy$145,000