ZIP code 04106

ZIP 04106 is a small city in Cumberland County, Maine, with 26,966 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #5 of 427 ranked by population — larger than 99% of them. The median age here is 41 years against 39.1 nationally, a slightly older 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 04106 earn a median of $83,744 a year, 6.6% above the national figure of $78,538. 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 6.2% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 04106 is valued at $403,500, 33% above the national figure, while median gross rent runs $1,642 a month, 16.8% above the national figure, or roughly $19,704 across a full year. A household on the local median income would put about 23.5% 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 4.8×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 60.4% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. 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.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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 04106 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 04106 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 04106 reports a median household income of $83,744, 4% below the $87,399 county median, and 27% above the $65,739 typical ME ZIP. Owner-occupied homes are valued at a median of $403,500, 5% below the county figure and 75% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,642 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

A taxable purchase made inside 04106 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 04106 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 04106 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.