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Naples CDP, ME

ZIP 04055 — Housing & Real Estate

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

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 04055

Median Home Value
$257,300
Median Rent
$1,169
Affordability Snapshot
$71,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,653/mo PITI).

21%
Rent-to-Income Ratio

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

3.8x
Home Price-to-Income Ratio

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

18.3 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 04055 in Naples CDP, ME, a household would need roughly $71,000 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 $1,653. That is roughly in line with the local median household income ($68,278). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 39% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.8%+36% vs US avg
x
Vacancy Rate
39.3%+281% vs US avg
x
Broadband Access
78.8%-9% vs US avg
x
4+ Bedrooms
2.0%-87% vs US avg
x
Built Pre-1939
0.2%-98% vs US avg
x
Built Post-2014
1.6%-76% vs US avg
x
Rent Burden >30%
69.1%+39% vs US avg
x
Mortgage-Free
42.1%+10% vs US avg
x
$257,300
Home Value
$1,169
Rent
1987
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached79.0%
  • 1-unit attached2.1%
  • 2-9 units4.9%
  • 10+ units0.0%
  • Mobile home & other14.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$257,300
Median rent$1,169
Owner-occupied88.8%
Vacant39.3%
Price-to-income3.8x
Est. income to buy$71,000