04021 — Cumberland County, Maine Market Snapshot
Housing market data for zip code 04021 in Cumberland County, Maine. Updated monthly with median prices, days on market, and more.
Market Sales Data
20 sales in 2026 (year to date)
Median Sale Price
$659,540
Days to Sell
35
Homes Sold
20
Inventory
21
Sale-to-List
101.9%
New Listings
32
Price/SqFt
$372
Pending Sales
25
Conforming Loan Available
Most homebuyers in 04021 can comfortably use conventional financing. The median home price of $659,540 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
04021's market is balanced with homes taking an average of 35 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 04021 (101.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 04021 can comfortably use conventional financing. The median home price of $659,540 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 04021 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 04021
To purchase the median home at $659,540 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,203.
Monthly Payment
$5,203
Income Required
$222,994
Principal & Interest
$4,064/mo
Down Payment (5%)
$32,977
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 04021.
Estimated Monthly Payment
$4,232
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 04021. Tell us what you're looking for.