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Portland city, ME

ZIP 04101 — 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 04101

Median Home Value
$600,600
Median Rent
$1,341
Affordability Snapshot
$165,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,858/mo PITI).

26%
Rent-to-Income Ratio

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

9.9x
Home Price-to-Income Ratio

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

37.3 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 04101 in Portland city, ME, a household would need roughly $165,000 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 $3,858. That is about 172% above the local median household income ($60,726), 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

Vacancy rate 10% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
22.6%-65% vs US avg
x
Vacancy Rate
10.3%+0% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
20.6%-58% vs US avg
x
Mortgage-Free
38.8%+2% vs US avg
x
$600,600
Home Value
$1,341
Rent
1938
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached7.6%
  • 1-unit attached2.3%
  • 2-9 units47.1%
  • 10+ units42.4%
  • Mobile home & other0.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$600,600
Median rent$1,341
Owner-occupied22.6%
Vacant10.3%
Price-to-income9.9x
Est. income to buy$165,000