ZIP Code 04086 — Topsham CDP, ME Demographics & Data

ZIP code 04086 covers Topsham, ME in Sagadahoc County with a population of about 9,644.

At a glance, the area shows median age of 46.3 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.

Median household income in ZIP 04086 is about $82,356 — about 10% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.0%; unemployment rate near 3.4%; 43.3% of adults with a bachelor’s degree or higher (about 9.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 11.3% of workers reporting work-from-home (about 3.9 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 $327,700 — about 6% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,133 (about 3% below the U.S. median rent ($1,163)), and owner-occupancy near 79.1% (about 13.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 04086 in Topsham, ME, a household would need roughly $90,000 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 $2,105. That is roughly in line with the local median household income ($82,356). 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 Topsham CDP, ME as Very Low (composite score 23.3), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (77.9) and flood (26.1). 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 Topsham CDP, ME show little to no average snow and around 50.0 inches of annual precipitation.

IRS migration statistics show a net inflow of about 438 for ZIP 04086 (Topsham 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.