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Yarmouth CDP, ME

ZIP 04096 — 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 04096

Median Home Value
$572,700
Median Rent
$1,588
Affordability Snapshot
$158,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,679/mo PITI).

18%
Rent-to-Income Ratio

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

5.3x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

30.1 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 04096 in Yarmouth CDP, ME, a household would need roughly $158,000 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 $3,679. That is about 46% above the local median household income ($107,911), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
76.6%+17% vs US avg
x
Vacancy Rate
4.3%-59% vs US avg
x
Broadband Access
96.6%+11% vs US avg
x
4+ Bedrooms
4.3%-71% vs US avg
x
Built Pre-1939
1.5%-88% vs US avg
x
Built Post-2014
1.7%-75% vs US avg
x
Rent Burden >30%
9.8%-80% vs US avg
x
Mortgage-Free
26.7%-30% vs US avg
x
$572,700
Home Value
$1,588
Rent
1973
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached72.5%
  • 1-unit attached8.8%
  • 2-9 units12.1%
  • 10+ units6.6%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$572,700
Median rent$1,588
Owner-occupied76.6%
Vacant4.3%
Price-to-income5.3x
Est. income to buy$158,000