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Sarah Mitchell
Compass Real Estate · ZIP 04401
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04401 ZIP Code Housing Market
The typical home in ZIP code 04401 is worth $307,090, rose 1.9% over the past year (Zillow Home Value Index, August 2026). The last median sale price Redfin published for this ZIP was $329,500, +18.5% year over year (through May 2026). With homes going under contract in about 63 days, 04401 is a leaning buyer's. At today's 7.03% 30-year fixed rate, 20% down works out to about $1,639/mo in principal and interest.
Key numbers for ZIP code 04401
Typical home value
$307,090
+1.9% in 12 months
Zillow, August 2026
Typical asking rent
$1,520/mo
Zillow Observed Rent Index
Zillow, August 2026
Median sale price
$329,500
+18.5% year over year
Redfin, through March 2026
Days on market
63
Slow-moving
Redfin, through March 2026
Active listings
137
Redfin, through March 2026
Sale-to-list ratio
97.9%
Selling below asking
Redfin, through March 2026
30-yr fixed rate
7.03%
Freddie Mac weekly average
Freddie Mac via FRED, September 2026
Median household income
$66,932
Home costs 4.6x income
U.S. Census ACS, 2024
Zillow figures are as of August 2026 and refresh monthly. Redfin figures are through May 2026 — Redfin stopped publishing its public market trackers in June 2026, so those numbers are final, not current.
Is the 04401 ZIP code a buyer's or seller's market?
ZIP code 04401 is a leaning buyer's and homes selling in about 63 days. We classify markets from months of supply, sale-to-list ratio and days on market together — no single number decides it.
What are the latest 04401 housing market stats?
Redfin's final published month for this ZIP code. Redfin, through March 2026
| Metric | Value |
|---|---|
| Median sale price | $329,500 |
| Median list price | $334,900 |
| Year-over-year price change | +18.5% |
| Median price per sq ft | $191/sq ft |
| Median days on market | 63 days |
| Active inventory | 137 listings |
| Sale-to-list price ratio | 97.9% |
| Homes sold (that month) | 116 |
| Market condition | Leaning buyer's |
Reading these: months of supply is how long it would take to sell every active listing at the current pace (under 4 months of supply tilts toward sellers, 4 to 5 months is the neutral band, and above 5 months tilts toward buyers — above 7 months is a glut.). Days on market is the median time from listing to accepted offer. Sale-to-list ratio above 100% means bidding over asking is normal here. Price per square foot lets you compare differently sized homes, but it should not be used to value your own.
How have 04401 home prices moved?
Over the three years through Redfin's final published month, the median sale price in 04401 rose 17.7%, from $280,000 to $329,500. The live Zillow value series has rose 1.9% in the last 12 months — the more current read now that the Redfin series has stopped. ZIP-level medians swing harder than citywide ones because far fewer homes sell in a month; read the shape of the line, not any single point.
Redfin, through March 2026 — the chart ends at Redfin's final published month.
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How does 04401 compare to Bangor, ME?
04401 sits about 3.3 miles from downtown Bangor, but we do not hold ZIP and citywide sale rows for the same period, so putting the two numbers side by side would be comparing different months. The Bangor, ME housing market page has the citywide figures, and the comparison tool puts any two markets against each other.
What does it cost to buy a home in 04401?
Priced off the typical home value of $307,090 at the current 7.03% 30-year fixed rate. Principal and interest only — property taxes, insurance, HOA dues and mortgage insurance are on top and vary too much by property for us to guess.
| Down payment | Cash at close | Loan amount | Monthly P&I |
|---|---|---|---|
| 20% | $61,418 | $245,672 | $1,639/mo |
| 5% | $15,355 | $291,736 | $1,947/mo |
Zillow, August 2026 for the price · Freddie Mac via FRED, September 2026 for the rate
Lenders generally want housing costs under 28% of gross income, so the 20%-down payment of $1,639 implies roughly $70,261 a year before taxes and insurance. The median household in this ZIP earns $66,932, about $3,329 short of it — which is why down payment size, not price, usually decides who buys here. Price-to-income runs 4.6x. Typical asking rent here is $1,520/mo, a price-to-rent ratio of 16.8x, which means buying and renting land close enough together that the decision turns on how long you stay and your down payment.
Run it with your own numbers: affordability calculator · mortgage calculator · rent vs. buy calculator
Who lives in 04401?
American Community Survey estimates for this ZIP code tabulation area. U.S. Census ACS, 2024
Population
44,854
Households
19,843
Median income
$66,932/yr
Median age
41.4 years
Owner-occupied
54.9%
Median home value
$239,900
Median gross rent
$1,076/mo
Mean commute
19.15 min
54.9% of occupied homes in this ZIP are owner-occupied — the share that decides how much of the local housing stock ever reaches the for-sale market. Census median gross rent across all leases is $1,076/mo, below Zillow's $1,520/mo asking rent on new leases; the gap is roughly what a mover pays over a stayer.
Which public schools serve ZIP 04401?
16 schools tracked · 5,340 students
The largest public schools serving ZIP code 04401 by enrollment, drawn from the National Center for Education Statistics. School quality is a commonly cited factor in home-buying decisions — these are the campuses families in this area are most likely to encounter.
Bangor High School
Grades 9-12 · 1,074 students
Hermon High School
Grades 9-12 · 567 students
Patricia A Duran School
Grades PK-4 · 463 students
Glenburn Elementary School
Grades PK-8 · 389 students
William S. Cohen School
Grades 6-8 · 364 students
James F. Doughty School
Grades 6-8 · 358 students
Hermon Middle School
Grades 5-8 · 329 students
Fruit Street School
Grades PK-3 · 322 students
Source: National Center for Education Statistics, Common Core of Data directory. Updated annually. Ratings and test scores are not currently displayed.
Homes for sale in 04401
The last count we hold for 04401 is 137 active listings, with a median asking price of $334,900 (Redfin, through May 2026). Properties Incorporated is a data platform, not a listing portal — we publish what homes cost and how fast they move, and we point you at the portals for the inventory itself. Tell us what you are looking for and we will send the Bangor, ME listings that match instead.
04401 housing market FAQ
How much do homes cost in 04401?
The typical home in ZIP code 04401 is worth $307,090 (Zillow Home Value Index, August 2026). The median sale price in the last month Redfin published for this ZIP was $329,500, about $191 per square foot (through May 2026).
Is 04401 a buyer's or seller's market?
ZIP code 04401 reads as a leaning buyer's on the supply and pace-of-sale data we hold. Redfin's ZIP-level series stopped in June 2026, so this classification is frozen rather than live.
Is 04401 cheaper than Bangor, ME?
04401 sits in the Bangor, ME area, but we do not hold ZIP and citywide sale rows for the same period, so a direct price comparison would be mixing months. The Bangor, ME page shows the citywide figures we do have.
What income do you need to buy a home in 04401?
At the current 30-year fixed rate of 7.03%, 20% down on a $307,090 home is about $1,639 a month in principal and interest. Under the standard 28% front-end rule that implies roughly $70,261 in gross annual income, before property taxes, insurance, HOA dues or mortgage insurance. Census puts the median household income in this ZIP at $66,932.
Are home prices rising in 04401?
The typical home value in 04401 rose 1.9% over the last 12 months, from $301,387 to $307,090 (Zillow, August 2026). Zillow's index still refreshes monthly, so this is the current read.
What data do you publish for ZIP code 04401?
Zillow's Home Value Index and Observed Rent Index (monthly, current), Redfin's median sale price, days on market, inventory and months of supply (final period May 2026), U.S. Census ACS demographics, NCES public school records, and Freddie Mac's 30-year fixed rate via FRED for the affordability math. Every figure on this page carries its source and period. Properties Incorporated publishes market data; it does not list homes and does not give financial advice.
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