ZIP Code 04693 — Winter Harbor CDP, ME Demographics & Data

ZIP code 04693 covers Winter Harbor, ME in Hancock County with a population of about 441.

At a glance, the area shows median age of 64.8 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.

Winter Harbor, ME fits a retirement-oriented profile (high share of residents 65+ (48.5%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 04693 is about $63,015 — about 16% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 7.3%; unemployment rate near 2.9%; 19.7% of adults with a bachelor’s degree or higher (about 14.0 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Construction, Agriculture, and Wholesale trade; about 4.5% of workers reporting work-from-home (about 10.7 points below the U.S. share (15.2%)); a mean commute of about 127.0 minutes (U.S. average near 26.8).

Median home value is about $187,000 — about 46% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $425 (about 63% below the U.S. median rent ($1,163)), and owner-occupancy near 83.7% (about 18.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 04693 in Winter Harbor, ME, a household would need roughly $51,000 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 $1,201. That sits below the local median household income ($63,015), 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 Winter Harbor CDP, ME as Relatively Low (composite score 55.0), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (87.8) and flood (45.2). 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 Winter Harbor CDP, ME show little to no average snow and around 55.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 20 for ZIP 04693 (Winter Harbor 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.