Cape Neddick, ME population, income and ZIP codes

Cape Neddick CDP is a small town in Maine, with 2,578 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #54 of 155 ranked by population — larger than 65% of them. The median age here is 64.2 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in Cape Neddick CDP earn a median of $98,113 a year, 24.9% above the national figure of $78,538 and 66% above the $58,992 median for the 106 Maine cities we cover. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 10.1% of residents here, below the 12.4% national rate.

The typical owner-occupied home in Cape Neddick CDP is valued at $636,100, 109.7% above the national figure and 187% above the $221,600 peer median, while median gross rent runs $1,723 a month, 22.5% above the national figure, or roughly $20,676 across a full year. A household on the local median income would put about 21.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is within the standard affordability guideline. The home-price-to-income ratio works out to 6.5×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 88% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

Home values sit at 6.5× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere. A median age of 64.2 puts Cape Neddick CDP well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.