ZIP Code 04103 — Portland city, ME Demographics & Data

ZIP code 04103 covers Portland, ME in Cumberland County with a population of about 31,705.

At a glance, the area shows median age of 37.8 (near the U.S. median).

It sits in telephone area code 207; U.S. House district ME-1; the PORTLAND - AUBURN media market.

Portland, ME sits in a university / college context (near university of southern maine (2.4 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 04103 is about $90,682 — about 21% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.2%; unemployment rate near 5.0%; 58.3% of adults with a bachelor’s degree or higher (about 24.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; about 19.7% of workers reporting work-from-home (about 4.5 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $421,800 — about 21% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,418 (about 22% above the U.S. median rent ($1,163)), and owner-occupancy near 61.2% (about 4.2 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 04103 in Portland, ME, a household would need roughly $116,000 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 $2,710. That is about 28% above the local median household income ($90,682), 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.

FEMA’s National Risk Index rates natural-hazard risk for Portland city, ME as Relatively Low (composite score 77.0), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (90.7) and flood (72.3). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Portland city, ME show little to no average snow and around 48.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,439 for ZIP 04103 (Portland city, ME) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.