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Topsham CDP, ME

ZIP 04086 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 04086

Median Home Value
$327,700
Median Rent
$1,133
Affordability Snapshot
$90,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,105/mo PITI).

17%
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.

24.1 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 04086 in Topsham CDP, ME, a household would need roughly $90,000 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 $2,105. That is roughly in line with the local median household income ($82,356). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
79.1%+21% vs US avg
x
Vacancy Rate
7.6%-26% vs US avg
x
Broadband Access
92.2%+6% vs US avg
x
4+ Bedrooms
1.7%-88% vs US avg
x
Built Pre-1939
4.1%-68% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
18.6%-63% vs US avg
x
Mortgage-Free
32.7%-14% vs US avg
x
$327,700
Home Value
$1,133
Rent
1982
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached74.5%
  • 1-unit attached2.8%
  • 2-9 units10.9%
  • 10+ units5.1%
  • Mobile home & other6.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$327,700
Median rent$1,133
Owner-occupied79.1%
Vacant7.6%
Price-to-income4.0x
Est. income to buy$90,000