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Ellsworth city, ME

ZIP 04605 — 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 04605

Median Home Value
$230,900
Median Rent
$922
Affordability Snapshot
$64,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,483/mo PITI).

15%
Rent-to-Income Ratio

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

3.2x
Home Price-to-Income Ratio

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

20.9 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 04605 in Ellsworth city, ME, a household would need roughly $64,000 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 $1,483. That sits below the local median household income ($72,083), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Vacancy rate 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.6%+14% vs US avg
x
Vacancy Rate
31.5%+206% vs US avg
x
Broadband Access
91.7%+5% vs US avg
x
4+ Bedrooms
2.1%-86% vs US avg
x
Built Pre-1939
5.0%-61% vs US avg
x
Built Post-2014
1.0%-86% vs US avg
x
Rent Burden >30%
21.0%-58% vs US avg
x
Mortgage-Free
33.7%-12% vs US avg
x
$230,900
Home Value
$922
Rent
1983
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached75.3%
  • 1-unit attached1.8%
  • 2-9 units10.4%
  • 10+ units5.1%
  • Mobile home & other7.5%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$230,900
Median rent$922
Owner-occupied74.6%
Vacant31.5%
Price-to-income3.2x
Est. income to buy$64,000