04963 — Kennebec County, Maine Market Snapshot
Housing market data for zip code 04963 in Kennebec County, Maine. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$287,500
Days to Sell
47
Homes Sold
15
Inventory
42
Sale-to-List
101.2%
New Listings
42
Price/SqFt
$171
Pending Sales
23
Conforming Loan Available
Most homebuyers in 04963 can comfortably use conventional financing. The median home price of $287,500 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
04963's market is balanced with homes taking an average of 47 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 04963 (101.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 04963 can comfortably use conventional financing. The median home price of $287,500 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 04963 are set at the county level.
2026 Loan Limits — Kennebec County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $541,287 |
| 2 Units | $1,066,250 | $693,050 |
| 3 Units | $1,288,800 | $837,700 |
| 4 Units | $1,601,750 | $1,041,125 |
Affordability Snapshot — Zip 04963
To purchase the median home at $287,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,353.
Monthly Payment
$2,353
Income Required
$100,831
Principal & Interest
$1,771/mo
Down Payment (5%)
$14,375
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 04963.
Estimated Monthly Payment
$1,929
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