ZIP Code 04950 — Madison CDP, ME Demographics & Data

ZIP code 04950 covers Madison, ME in Somerset County with a population of about 4,761.

At a glance, the area shows median age of 52.4 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 04950 is about $48,750 — about 35% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 17.2%; unemployment rate near 0.0%; 15.4% of adults with a bachelor’s degree or higher (about 18.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Retail trade; about 18.7% of workers reporting work-from-home (about 3.5 points above 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 $154,300 — about 56% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $721 (about 38% below the U.S. median rent ($1,163)), and owner-occupancy near 59.9% (about 5.5 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 04950 in Madison, ME, a household would need roughly $42,000 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 $991. That sits below the local median household income ($48,750), 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 Madison CDP, ME as Relatively Low (composite score 67.9), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (85.9) and flood (61.8). 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 Madison CDP, ME show little to no average snow and around 41.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 216 for ZIP 04950 (Madison 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.