ZIP Code 04609 — Bar Harbor CDP, ME Demographics & Data

ZIP code 04609 covers Bar Harbor, ME in Hancock County with a population of about 5,198.

At a glance, the area shows median age of 49.4 versus a U.S. median of about 38.9.

It sits in telephone area code 207; U.S. House district ME-2; the BANGOR media market.

Bar Harbor, ME sits in a university / college context (near college of the atlantic (2.1 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 04609 is about $74,408 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.3%; unemployment rate near 5.2%; 58.4% of adults with a bachelor’s degree or higher (about 24.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Education, and Retail trade; about 21.2% of workers reporting work-from-home (about 6.0 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 $451,800 — about 30% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,110 (about 5% below the U.S. median rent ($1,163)), and owner-occupancy near 73.7% (about 8.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 04609 in Bar Harbor, ME, a household would need roughly $124,000 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 $2,902. That is about 67% above the local median household income ($74,408), 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 Bar Harbor CDP, ME as Relatively Low (composite score 55.0), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (87.8) and flood (45.2). 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 Bar Harbor CDP, ME show little to no average snow and around 55.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 236 for ZIP 04609 (Bar Harbor CDP, 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.