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, ME

ZIP 04495 — Housing & Real Estate

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

Working ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 04495

Median Home Value
$95,800
Median Rent
$663
Affordability Snapshot
$26,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$615/mo PITI).

21%
Rent-to-Income Ratio

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

2.6x
Home Price-to-Income Ratio

Below 3x — relatively affordable housing market.

12.0 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 04495 in ME, a household would need roughly $26,000 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 $615. That sits below the local median household income ($37,125), 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 12% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.4%+28% vs US avg
x
Vacancy Rate
11.8%+15% vs US avg
x
Broadband Access
87.9%+1% vs US avg
x
4+ Bedrooms
0.6%-96% vs US avg
x
Built Pre-1939
5.6%-56% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
57.7%+16% vs US avg
x
Mortgage-Free
82.4%+116% vs US avg
x
$95,800
Home Value
$663
Rent
1960
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

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

  • 1-unit detached83.7%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other16.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$95,800
Median rent$663
Owner-occupied83.4%
Vacant11.8%
Price-to-income2.6x
Est. income to buy$26,000