ZIP Code 04915 — Belfast city, ME Demographics & Data

ZIP code 04915 covers Belfast, ME in Waldo County with a population of about 9,030.

At a glance, the area shows median age of 53.8 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.

Median household income in ZIP 04915 is about $59,083 — about 21% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.0%; unemployment rate near 3.6%; 43.9% of adults with a bachelor’s degree or higher (about 10.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Professional services, and Education; about 12.4% of workers reporting work-from-home (about 2.8 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $261,900 — about 25% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $856 (about 26% below the U.S. median rent ($1,163)), and owner-occupancy near 71.9% (about 6.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 04915 in Belfast, ME, a household would need roughly $72,000 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 $1,682. That is about 22% above the local median household income ($59,083), 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.

FEMA’s National Risk Index rates natural-hazard risk for Belfast city, ME as Very Low (composite score 40.6), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (82.8) and flood (39.6). 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 Belfast city, ME show little to no average snow and around 48.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 410 for ZIP 04915 (Belfast city, 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.