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Bangor city, ME

ZIP 04401 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 04401

Median Home Value
$229,600
Median Rent
$969
Affordability Snapshot
$63,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,475/mo PITI).

18%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

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

19.7 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 04401 in Bangor city, ME, a household would need roughly $63,000 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 $1,475. That is roughly in line with the local median household income ($66,136). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
54.8%-16% vs US avg
x
Vacancy Rate
8.8%-15% vs US avg
x
Broadband Access
90.0%+3% vs US avg
x
4+ Bedrooms
3.1%-79% vs US avg
x
Built Pre-1939
4.1%-68% vs US avg
x
Built Post-2014
0.6%-91% vs US avg
x
Rent Burden >30%
18.3%-63% vs US avg
x
Mortgage-Free
40.8%+7% vs US avg
x
$229,600
Home Value
$969
Rent
1971
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached48.1%
  • 1-unit attached3.4%
  • 2-9 units31.7%
  • 10+ units8.2%
  • Mobile home & other8.7%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$229,600
Median rent$969
Owner-occupied54.8%
Vacant8.8%
Price-to-income3.5x
Est. income to buy$63,000