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Southwest Harbor CDP, ME

ZIP 04679 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 04679

Median Home Value
$417,800
Median Rent
$760
Affordability Snapshot
$115,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,684/mo PITI).

17%
Rent-to-Income Ratio

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

7.7x
Home Price-to-Income Ratio

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

45.8 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 04679 in Southwest Harbor CDP, ME, a household would need roughly $115,000 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 $2,684. That is about 112% above the local median household income ($54,333), 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 47% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
57.9%-12% vs US avg
x
Vacancy Rate
47.3%+360% vs US avg
x
Broadband Access
78.1%-10% vs US avg
x
4+ Bedrooms
4.2%-72% vs US avg
x
Built Pre-1939
3.3%-74% vs US avg
x
Built Post-2014
1.6%-77% vs US avg
x
Rent Burden >30%
23.3%-53% vs US avg
x
Mortgage-Free
59.1%+55% vs US avg
x
$417,800
Home Value
$760
Rent
1980
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 detached70.1%
  • 1-unit attached0.8%
  • 2-9 units13.4%
  • 10+ units9.2%
  • Mobile home & other6.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$417,800
Median rent$760
Owner-occupied57.9%
Vacant47.3%
Price-to-income7.7x
Est. income to buy$115,000