ZIP code 04537

ZIP 04537 is a small town in Lincoln County, Maine, with 1,687 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #194 of 427 ranked by population — larger than 54% of them. The median age here is 54.2 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 ZIP 04537 earn a median of $57,476 a year, 26.8% below the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 11.1% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 04537 is valued at $357,000, 17.7% above the national figure, while median gross rent runs not published a month. The home-price-to-income ratio works out to 6.2×, 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. 94.8% 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. 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 6.2× 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 54.2 puts ZIP 04537 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.

The Census withheld gross rent for ZIP 04537 because the sample was too thin to publish at this geography. Those values were suppressed at the source, not lost in our dataset, and we do not model a replacement. Everything else on this page comes straight from the ACS 2019-2023 ACS 5-year tables.

ZIP 04537 is tabulated inside Lincoln County, Maine, one of 27 ZIP areas the Census publishes for that county and 427 across Maine. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. 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 04537 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 04537 reports a median household income of $57,476, 29% below the $81,103 county median, and 13% below the $65,739 typical ME ZIP. Owner-occupied homes are valued at a median of $357,000, close to the county figure and 55% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at not published a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Maine charges 5.5% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 04537.

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 04537 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.