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Bar Harbor CDP, ME

ZIP 04609 — 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 04609

Median Home Value
$451,800
Median Rent
$1,110
Affordability Snapshot
$124,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,902/mo PITI).

18%
Rent-to-Income Ratio

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

6.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

33.9 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 04609 in Bar Harbor CDP, 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.

Housing Tenure

Vacancy rate 31% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
73.7%+13% vs US avg
x
Vacancy Rate
30.9%+200% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
3.3%-75% vs US avg
x
Built Post-2014
1.3%-81% vs US avg
x
Rent Burden >30%
23.5%-53% vs US avg
x
Mortgage-Free
45.9%+20% vs US avg
x
$451,800
Home Value
$1,110
Rent
1982
Year Built
2012
Moved In

Residents have lived here since ~2012 on average

Housing Structure

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

  • 1-unit detached73.4%
  • 1-unit attached3.6%
  • 2-9 units17.7%
  • 10+ units3.7%
  • Mobile home & other1.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$451,800
Median rent$1,110
Owner-occupied73.7%
Vacant30.9%
Price-to-income6.1x
Est. income to buy$124,000