ZIP Code 04685 — undefined, ME Demographics & Data

ZIP code 04685 covers ME in Hancock County with a population of about 388.

At a glance, the area shows median age of 59.3 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.

ME fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 04685 is about $78,125 — about 4% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.9%; unemployment rate near 1.4%; 36.0% of adults with a bachelor’s degree or higher (about 2.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Agriculture, Professional services, and Education; about 9.2% of workers reporting work-from-home (about 6.0 points below the U.S. share (15.2%)); a mean commute of about 177.0 minutes (U.S. average near 26.8).

Median home value is about $316,300 — about 9% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 93.1% (about 27.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 04685 in ME, a household would need roughly $87,000 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 $2,032. That is roughly in line with the local median household income ($78,125). 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 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 ME show little to no average snow and around 55.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 18 for ZIP 04685 (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.