04039 — Cumberland County, Maine Market Snapshot
Housing market data for zip code 04039 in Cumberland County, Maine. Updated monthly with median prices, days on market, and more.
Market Sales Data
24 sales in 2026 (year to date)
Median Sale Price
$537,500
Days to Sell
61
Homes Sold
24
Inventory
9
Sale-to-List
100.1%
New Listings
26
Price/SqFt
$324
Pending Sales
25
Conforming Loan Available
Most homebuyers in 04039 can comfortably use conventional financing. The median home price of $537,500 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
With homes sitting for 61 days on average, 04039 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes are selling very close to asking price in 04039 (100.1% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 04039 can comfortably use conventional financing. The median home price of $537,500 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 04039 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 04039
To purchase the median home at $537,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,268.
Monthly Payment
$4,268
Income Required
$182,921
Principal & Interest
$3,312/mo
Down Payment (5%)
$26,875
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 04039.
Estimated Monthly Payment
$3,476
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 04039. Tell us what you're looking for.