04106 — Cumberland County, Maine Market Snapshot
Housing market data for zip code 04106 in Cumberland County, Maine. Updated monthly with median prices, days on market, and more.
Market Sales Data
50 sales in 2026 (year to date)
Median Sale Price
$553,250
Days to Sell
37
Homes Sold
50
Inventory
28
Sale-to-List
100.9%
New Listings
78
Price/SqFt
$383
Pending Sales
72
Conforming Loan Available
Most homebuyers in 04106 can comfortably use conventional financing. The median home price of $553,250 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
04106's market is balanced with homes taking an average of 37 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 04106 (100.9% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 04106 can comfortably use conventional financing. The median home price of $553,250 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 04106 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 04106
To purchase the median home at $553,250 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,389.
Monthly Payment
$4,389
Income Required
$188,092
Principal & Interest
$3,409/mo
Down Payment (5%)
$27,663
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 04106.
Estimated Monthly Payment
$3,574
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