ZIP Code 04461 — Milford CDP, ME Demographics & Data

ZIP code 04461 covers Milford, ME in Penobscot County with a population of about 3,083.

At a glance, the area shows median age of 42.8 versus a U.S. median of about 38.9.

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

Median household income in ZIP 04461 is about $63,892 — about 15% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 9.8%; unemployment rate near 7.0%; 17.3% of adults with a bachelor’s degree or higher (about 16.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Healthcare, and Retail trade; about 8.6% of workers reporting work-from-home (about 6.6 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 $183,400 — about 47% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $937 (about 19% below the U.S. median rent ($1,163)), and owner-occupancy near 84.5% (about 19.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 04461 in Milford, ME, a household would need roughly $50,000 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 $1,178. That sits below the local median household income ($63,892), 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 Milford CDP, ME as Relatively Low (composite score 78.0), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (86.7) and flood (83.0). 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 Milford CDP, ME show little to no average snow.

IRS migration statistics show a net inflow of about 140 for ZIP 04461 (Milford 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.