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Gardiner city, ME

ZIP 04345 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 04345

Median Home Value
$208,700
Median Rent
$815
Affordability Snapshot
$57,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,341/mo PITI).

14%
Rent-to-Income Ratio

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

3.0x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.3 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 04345 in Gardiner city, ME, a household would need roughly $57,000 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 $1,341. That sits below the local median household income ($68,844), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
78.2%+19% vs US avg
x
Vacancy Rate
8.0%-22% vs US avg
x
Broadband Access
94.3%+8% vs US avg
x
4+ Bedrooms
4.8%-67% vs US avg
x
Built Pre-1939
4.8%-62% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
26.4%-47% vs US avg
x
Mortgage-Free
36.1%-6% vs US avg
x
$208,700
Home Value
$815
Rent
1969
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached68.0%
  • 1-unit attached1.1%
  • 2-9 units17.1%
  • 10+ units1.9%
  • Mobile home & other11.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$208,700
Median rent$815
Owner-occupied78.2%
Vacant8.0%
Price-to-income3.0x
Est. income to buy$57,000