ZIP code 04101

ZIP 04101 is a mid-size town in Cumberland County, Maine, with 18,128 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #15 of 427 ranked by population — larger than 96% of them. The median age here is 36.3 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 04101 earn a median of $60,726 a year, 22.7% below the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 17.5% of residents here, above the 12.4% national rate.

The typical owner-occupied home in ZIP 04101 is valued at $600,600, 98% above the national figure, while median gross rent runs $1,457 a month, 3.6% above the national figure, or roughly $17,484 across a full year. A household on the local median income would put about 28.8% 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 9.9×, 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. 22.6% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Home values sit at 9.9× 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.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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.

ZIP 04101 is tabulated inside Cumberland County, Maine, one of 38 ZIP areas the Census publishes for that county and 427 across Maine. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 04101 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 04101 reports a median household income of $60,726, 31% below the $87,399 county median, and 8% below the $65,739 typical ME ZIP. Owner-occupied homes are valued at a median of $600,600, 41% above the county figure and 160% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,457 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

A taxable purchase made inside 04101 carries 5.5% at the register, assembled from the Portland jurisdiction stack: the Maine state rate plus every county, municipal and special district levy that reaches this address. Because those district boundaries were drawn for schools, transit and hospital funding rather than for mail delivery, two addresses inside 04101 can legitimately fall under different totals — the rate shown here is the one that applies to the dominant jurisdiction.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 04101 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.