04079 — Cumberland County, Maine Market Snapshot
Housing market data for zip code 04079 in Cumberland County, Maine. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 6 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Cumberland County county page for broader data.
Market Sales Data
6 sales in 2026 (year to date)
Median Sale Price
$1,056,500
Days to Sell
13
Homes Sold
6
Inventory
13
Jumbo Loan Likely Needed
The median home in 04079 at $1,056,500 exceeds the 2026 conforming loan limit of $832,750 by $223,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Market Insights
Market Temperature
04079 is an extremely competitive market with homes selling in just 13 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
The median home in 04079 at $1,056,500 exceeds the 2026 conforming loan limit of $832,750 by $223,750. Most buyers here will need jumbo loans, which typically require higher credit scores, larger down payments, and come with different rate pricing.
Loan limits in 04079 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 04079
To purchase the median home at $1,056,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $8,245.
Monthly Payment
$8,245
Income Required
$353,339
Principal & Interest
$6,510/mo
Down Payment (5%)
$52,825
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 04079.
Estimated Monthly Payment
$6,688
Jumbo loan required. Loan amount exceeds the $832,750 conforming limit for 04079.
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