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, ME

ZIP 04986 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 04986

Median Home Value
$172,500
Median Rent
$733
Affordability Snapshot
$47,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,108/mo PITI).

13%
Rent-to-Income Ratio

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

2.5x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

19.6 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 04986 in ME, a household would need roughly $47,000 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 $1,108. That sits below the local median household income ($69,375), 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 13% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
80.1%+23% vs US avg
x
Vacancy Rate
13.5%+31% vs US avg
x
Broadband Access
84.4%-3% vs US avg
x
4+ Bedrooms
8.5%-43% vs US avg
x
Built Pre-1939
2.5%-81% vs US avg
x
Built Post-2014
0.5%-93% vs US avg
x
Rent Burden >30%
10.1%-80% vs US avg
x
Mortgage-Free
53.8%+41% vs US avg
x
$172,500
Home Value
$733
Rent
1983
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached76.2%
  • 1-unit attached1.6%
  • 2-9 units4.7%
  • 10+ units0.2%
  • Mobile home & other17.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$172,500
Median rent$733
Owner-occupied80.1%
Vacant13.5%
Price-to-income2.5x
Est. income to buy$47,000