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, ME

ZIP 04686 — 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 04686

Median Home Value
$101,800
Median Rent
$608
Affordability Snapshot
$28,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$654/mo PITI).

15%
Rent-to-Income Ratio

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

2.1x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

14.0 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 04686 in ME, a household would need roughly $28,000 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 $654. That sits below the local median household income ($48,750), 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 62% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
74.1%+13% vs US avg
x
Vacancy Rate
61.6%+498% vs US avg
x
Broadband Access
80.3%-8% vs US avg
x
4+ Bedrooms
6.2%-58% vs US avg
x
Built Pre-1939
6.6%-48% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
28.6%-43% vs US avg
x
Mortgage-Free
53.3%+40% vs US avg
x
$101,800
Home Value
$608
Rent
1984
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached89.6%
  • 1-unit attached1.4%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other9.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$101,800
Median rent$608
Owner-occupied74.1%
Vacant61.6%
Price-to-income2.1x
Est. income to buy$28,000