04468 — Penobscot County, Maine Market Snapshot
Housing market data for zip code 04468 in Penobscot County, Maine. Updated monthly with median prices, days on market, and more.
Market Sales Data
19 sales in 2026 (year to date)
Median Sale Price
$293,000
Days to Sell
34
Homes Sold
19
Inventory
27
Sale-to-List
97.4%
New Listings
34
Price/SqFt
$173
Pending Sales
33
Conforming Loan Available
Most homebuyers in 04468 can comfortably use conventional financing. The median home price of $293,000 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
04468's market is balanced with homes taking an average of 34 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
The average home in 04468 sells for 2.6% below asking price (97.4% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 04468 can comfortably use conventional financing. The median home price of $293,000 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 04468 are set at the county level.
2026 Loan Limits — Penobscot 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 04468
To purchase the median home at $293,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,395.
Monthly Payment
$2,395
Income Required
$102,637
Principal & Interest
$1,805/mo
Down Payment (5%)
$14,650
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 04468.
Estimated Monthly Payment
$1,963
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