04489 — Penobscot County, Maine Market Snapshot
Housing market data for zip code 04489 in Penobscot County, Maine. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 1 home sold in this ZIP code during the selected period. Statistics may not be representative. See the Penobscot County county page for broader data.
Market Sales Data
1 sales in 2025
Median Sale Price
$286,000
Days to Sell
31
Homes Sold
1
Inventory
N/A
Conforming Loan Available
Most homebuyers in 04489 can comfortably use conventional financing. The median home price of $286,000 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
04489's market is balanced with homes taking an average of 31 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 04489 can comfortably use conventional financing. The median home price of $286,000 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 04489 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 04489
To purchase the median home at $286,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,341.
Monthly Payment
$2,341
Income Required
$100,339
Principal & Interest
$1,762/mo
Down Payment (5%)
$14,300
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 04489.
Estimated Monthly Payment
$1,920
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