04011 — Cumberland County, Maine Market Snapshot
Housing market data for zip code 04011 in Cumberland County, Maine. Updated monthly with median prices, days on market, and more.
Market Sales Data
46 sales in 2026 (year to date)
Median Sale Price
$665,000
Days to Sell
38
Homes Sold
46
Inventory
36
Sale-to-List
102.0%
New Listings
66
Price/SqFt
$309
Pending Sales
62
Conforming Loan Available
Most homebuyers in 04011 can comfortably use conventional financing. The median home price of $665,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Market Insights
Market Temperature
04011's market is balanced with homes taking an average of 38 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 04011 (102.0% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 04011 can comfortably use conventional financing. The median home price of $665,000 is well below the 2026 conforming loan limit of $832,750, meaning buyers can put as little as 3-5% down without hitting jumbo loan territory.
Loan limits in 04011 are set at the county level.
2026 Loan Limits — Cumberland County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $615,250 |
| 2 Units | $1,066,250 | $787,650 |
| 3 Units | $1,288,800 | $952,050 |
| 4 Units | $1,601,750 | $1,183,200 |
Affordability Snapshot — Zip 04011
To purchase the median home at $665,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,245.
Monthly Payment
$5,245
Income Required
$224,787
Principal & Interest
$4,098/mo
Down Payment (5%)
$33,250
Based on 30-year fixed at 6.75%, 1.8% property tax, $1,800/yr insurance, 28% DTI guideline.
Mortgage Calculator
Estimate your monthly payment for a home in 04011.
Estimated Monthly Payment
$4,266
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