ZIP Code 04961 — undefined, ME Demographics & Data

ZIP code 04961 covers ME in Somerset County with a population of about 795.

At a glance, the area shows median age of 56.3 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 reads as a military / base-oriented community on US5’s intent model (elevated veteran share (21.8%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 04961 is about $44,000 — about 41% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.2%; unemployment rate near 11.4%; 18.8% of adults with a bachelor’s degree or higher (about 14.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Food services; about 9.9% of workers reporting work-from-home (about 5.3 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 $145,800 — about 58% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 94.3% (about 28.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 04961 in ME, a household would need roughly $40,000 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 $937. That is roughly in line with the local median household income ($44,000). 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 67.9), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (85.9) and flood (61.8). 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 43.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 36 for ZIP 04961 (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.