ZIP Code 04963 — Oakland CDP, ME Demographics & Data

ZIP code 04963 covers Oakland, ME in Kennebec County with a population of about 7,375.

At a glance, the area shows median age of 45.3 versus a U.S. median of about 38.9.

It sits in telephone area code 207; U.S. House district ME-2; the PORTLAND - AUBURN media market.

Median household income in ZIP 04963 is about $73,611 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.5%; unemployment rate near 1.9%; 24.4% of adults with a bachelor’s degree or higher (about 9.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Retail trade; 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 $228,200 — about 34% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $775 (about 33% below the U.S. median rent ($1,163)), and owner-occupancy near 82.6% (about 17.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 04963 in Oakland, ME, a household would need roughly $63,000 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 $1,466. That sits below the local median household income ($73,611), 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.

FEMA’s National Risk Index rates natural-hazard risk for Oakland CDP, ME as Relatively Low (composite score 75.2), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (87.7) and flood (80.1). 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 Oakland CDP, ME show little to no average snow and around 48.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 335 for ZIP 04963 (Oakland CDP, 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.