ZIP Code 04086 Housing Market
ZIP code 04086 is located in Sagadahoc County, Maine. Based on the FHFA House Price Index, the most recent annual HPI value is 319.8 (2000 = 100) , with a year-over-year change of +7.58% as of 2025.
📈 04086 HPI Trend
FHFA House Price Index for Five-Digit ZIP Codes (2000 = 100)
📝 Local Market Notes
The housing market in ZIP code 04086, located within Sagadahoc County, Maine, exhibits a robust and accelerating price trajectory. The Home Price Index (HPI) has risen from 219.12 in 2021 to 319.82 in 2025, representing a cumulative increase of approximately 46% over four years. This sustained upward movement indicates a market that has outpaced broader regional trends, with the most recent year-over-year gain reaching 7.58%. Such growth levels suggest strong demand fundamentals that have persisted despite broader economic headwinds. ZIP 04086’s performance diverges significantly from both the county and state averages. While the state of Maine recorded a modest 0.98% year-over-year increase and Sagadahoc County saw a 3.77% rise, the 7.58% growth in ZIP 04086 signals a distinct sub-market dynamic. This divergence suggests that specific local factors are driving premium pricing in this area, distinguishing it from the more moderate appreciation observed in neighboring ZIPs like 04530, which grew by only 1.95%. The data indicates that ZIP 04086 is functioning as a high-growth pocket within a generally stable regional market. Characteristically, this sub-market aligns with the upper-middle segment of the county’s housing inventory. With a median home value of $333,300 and a median household income of $87,806 in Sagadahoc County, the market supports owner-occupancy rates of 77.8%. The HPI level of 319.82 places this area well above the baseline, reflecting a shift toward higher-value properties. Prospective buyers should note that the 30-year mortgage rate stands at 7.40%, which increases monthly carrying costs significantly. Consequently, while the area offers strong asset appreciation, the entry price point is elevated relative to the state average. Residents and investors should recognize that this ZIP code represents a premium segment of the Maine coastal market, characterized by rapid value growth and limited affordability compared to the wider state.
About This ZIP Code
ZIP code 04086 is one of the most active real estate sub-markets in Sagadahoc County, Maine. The FHFA House Price Index tracks cumulative price appreciation since 2000, providing a consistent measure of long-term value change in this specific ZIP area.
For full county-level context, see the Sagadahoc County Housing Market page, which includes ACS median home values, rent, owner-occupancy, employment, migration, and other economic indicators.
Other Active ZIPs in Sagadahoc County
| ZIP Code | HPI | YoY | Latest Year |
|---|---|---|---|
| 04008 | 282.0 | +7.58% | 2025 |
| 04530 | 345.4 | +1.95% | 2025 |
Data Source: FHFA House Price Index for Five-Digit ZIP Codes (All-Transactions Index, 2000 = 100). Data as of 2025. This product uses FHFA Data but is neither endorsed nor certified by FHFA.