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Waterville city, ME

ZIP 04901 — 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 04901

Median Home Value
$188,800
Median Rent
$886
Affordability Snapshot
$52,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,213/mo PITI).

20%
Rent-to-Income Ratio

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

3.5x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

17.8 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 04901 in Waterville city, ME, a household would need roughly $52,000 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 $1,213. That is roughly in line with the local median household income ($54,122). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
58.0%-11% vs US avg
x
Vacancy Rate
6.9%-33% vs US avg
x
Broadband Access
86.3%-1% vs US avg
x
4+ Bedrooms
2.8%-81% vs US avg
x
Built Pre-1939
7.1%-44% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
20.6%-58% vs US avg
x
Mortgage-Free
43.1%+13% vs US avg
x
$188,800
Home Value
$886
Rent
1966
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached52.5%
  • 1-unit attached1.7%
  • 2-9 units33.2%
  • 10+ units7.2%
  • Mobile home & other5.4%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$188,800
Median rent$886
Owner-occupied58.0%
Vacant6.9%
Price-to-income3.5x
Est. income to buy$52,000