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, ME

ZIP 04097 — 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 04097

Median Home Value
$480,000
Median Rent
$1,573
Affordability Snapshot
$132,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,083/mo PITI).

16%
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.

25.4 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 04097 in ME, a household would need roughly $132,000 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 $3,083. That is roughly in line with the local median household income ($119,813). 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
87.4%+34% vs US avg
x
Vacancy Rate
5.9%-43% vs US avg
x
Broadband Access
98.3%+13% vs US avg
x
4+ Bedrooms
6.6%-55% vs US avg
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
4.5%-35% vs US avg
x
Rent Burden >30%
0.0%
x
Mortgage-Free
32.6%-15% vs US avg
x
$480,000
Home Value
$1,573
Rent
1981
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached93.9%
  • 1-unit attached1.8%
  • 2-9 units4.3%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$480,000
Median rent$1,573
Owner-occupied87.4%
Vacant5.9%
Price-to-income4.0x
Est. income to buy$132,000