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Winthrop CDP, ME

ZIP 04364 — 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 04364

Median Home Value
$273,100
Median Rent
$774
Affordability Snapshot
$75,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,754/mo PITI).

11%
Rent-to-Income Ratio

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

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

29.4 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 04364 in Winthrop CDP, ME, a household would need roughly $75,000 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 $1,754. That is roughly in line with the local median household income ($82,858). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 23% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
86.0%+31% vs US avg
x
Vacancy Rate
22.7%+120% vs US avg
x
Broadband Access
94.0%+8% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
4.5%-65% vs US avg
x
Built Post-2014
1.5%-78% vs US avg
x
Rent Burden >30%
25.7%-48% vs US avg
x
Mortgage-Free
26.6%-30% vs US avg
x
$273,100
Home Value
$774
Rent
1978
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached76.8%
  • 1-unit attached1.4%
  • 2-9 units8.9%
  • 10+ units2.1%
  • Mobile home & other10.8%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$273,100
Median rent$774
Owner-occupied86.0%
Vacant22.7%
Price-to-income3.3x
Est. income to buy$75,000