ZIP Code 04964 — undefined, ME Demographics & Data

ZIP code 04964 covers ME in Oxford County with a population of about 84.

At a glance, the area shows median age of 71.8 versus a U.S. median of about 38.9.

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

ME reads as a military / base-oriented community on US5’s intent model (elevated veteran share (51.2%) and/or base-related place names). Service members and families often look up Basic Allowance for Housing (BAH) rates, on-base mail (PSC / P.O. Box) addresses, and nearby ZIP demographics when relocating.

US5 shows 2026 DoD BAH locality rates for this ZIP’s Military Housing Area on this page (pay grade × with/without dependents). Treat the table as a planning reference and confirm entitlement with your finance office or the official DTMO BAH lookup.

Median household income in ZIP 04964 is about $69,432 — about 8% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.0%; unemployment rate near 100.0%; 83.3% of adults with a bachelor’s degree or higher (about 49.6 points above the national share (33.7%)).

Median home value is about $326,900 — about 6% below the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 100.0% (about 34.6 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 04964 in ME, a household would need roughly $90,000 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 $2,100. That is about 30% above the local median household income ($69,432), so the median earner would likely stretch or need a larger down payment. 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 ME as Relatively Low (composite score 65.9), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (86.1) and flood (73.3). 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 ME show little to no average snow and around 40.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 4 for ZIP 04964 (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.