ZIP Code 03902 — Cape Neddick CDP, ME Demographics & Data

ZIP code 03902 covers Cape Neddick, ME in York County with a population of about 2,530.

At a glance, the area shows median age of 45.1 versus a U.S. median of about 38.9.

It sits in telephone area code 207; U.S. House district ME-1; the PORTLAND - AUBURN media market.

Cape Neddick, ME aligns with a tech / corporate-campus profile (high remote-work / education / income profile or known campus context). Broadband quality, remote-work share, and nearby employer campuses often matter as much as classic residential stats.

Median household income in ZIP 03902 is about $131,538 — about 75% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.0%; unemployment rate near 5.7%; 50.8% of adults with a bachelor’s degree or higher (about 17.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Construction; about 23.0% of workers reporting work-from-home (about 7.8 points above 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 $527,400 — about 52% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,558 (about 34% above the U.S. median rent ($1,163)), and owner-occupancy near 76.3% (about 10.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 03902 in Cape Neddick, ME, a household would need roughly $145,000 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 $3,388. That is roughly in line with the local median household income ($131,538). 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 Cape Neddick CDP, ME as Relatively Moderate (composite score 81.5), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (91.5) and flood (81.3). 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 Cape Neddick CDP, ME show little to no average snow and around 51.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 115 for ZIP 03902 (Cape Neddick 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.