ZIP Code 04109 — Portland city, ME Demographics & Data

ZIP code 04109 covers Portland, ME in Cumberland County with a population of about 188.

At a glance, the area shows median age of 73.1 versus a U.S. median of about 38.9.

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 southern maine community college (2.2 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

On socioeconomic markers, US5 shows a poverty rate of 19.7%; unemployment rate near 0.0%; 87.6% of adults with a bachelor’s degree or higher (about 53.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Education; about 32.7% of workers reporting work-from-home (about 17.5 points above the U.S. share (15.2%)); a mean commute of about 35.0 minutes (U.S. average near 26.8).

Median home value is about $717,700 — about 106% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 04109 in Portland, ME, a household would need roughly $198,000 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 $4,610. 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 9 for ZIP 04109 (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.