04110 — Cumberland County, Maine Market Snapshot
Housing market data for zip code 04110 in Cumberland County, Maine. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 5 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
5 sales in 2026 (year to date)
Median Sale Price
$695,000
Days to Sell
7
Homes Sold
5
Inventory
N/A
Conforming Loan Available
The median home in 04110 at $695,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
04110 is an extremely competitive market with homes selling in just 7 days on average. Buyers need pre-approval letters ready before making offers.
Conforming Loan Feasibility
The median home in 04110 at $695,000 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 04110 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 04110
To purchase the median home at $695,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,475.
Monthly Payment
$5,475
Income Required
$234,637
Principal & Interest
$4,282/mo
Down Payment (5%)
$34,750
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 04110.
Estimated Monthly Payment
$4,451
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