ZIP Code 04496 Housing Market
ZIP code 04496 is located in Waldo County, Maine. Based on the FHFA House Price Index, the most recent annual HPI value is 281.8 (2000 = 100) , with a year-over-year change of +6.89% as of 2025.
📈 04496 HPI Trend
FHFA House Price Index for Five-Digit ZIP Codes (2000 = 100)
📝 Local Market Notes
The housing market in ZIP code 04496 exhibits a volatile yet robust price trajectory over the past five years. The Home Price Index (HPI) surged from 183.87 in 2021 to a peak of 272.59 in 2023, representing a rapid appreciation phase. Although the index experienced a slight contraction to 263.65 in 2024, it rebounded to 281.81 in 2025. This recent recovery indicates that the market has stabilized after a brief correction, maintaining a strong upward momentum relative to the 2021 baseline. The current HPI level of 281.8 suggests that home values in this specific area have nearly tripled since the year 2000, reflecting significant long-term equity growth. In terms of regional performance, ZIP 04496 demonstrates distinct divergence from broader geographic trends. The ZIP’s year-over-year growth of +6.89% closely aligns with the Waldo County average of +7.13%, indicating that local dynamics drive the market rather than statewide forces. This stands in stark contrast to the Maine state average of +0.98%, highlighting that Waldo County is a high-growth outlier within the state. This divergence signals that demand in this rural coastal area is insulated from the stagnation observed in other parts of Maine, likely due to localized factors such as proximity to recreational amenities or limited housing inventory. The sub-market character of ZIP 04496 appears to be a premium owner-occupied community. With an HPI of 281.8, the area commands higher valuations than the parent county’s median home value of $257,700. The high owner-occupancy rate of 81.9% in Waldo County further supports the view that this is a stable, equity-focused market rather than a renter-heavy or entry-level zone. For prospective buyers, the data indicates a competitive environment where prices are rising faster than the state average. Residents should note that while the 7.40% national mortgage rate increases carrying costs, the strong historical appreciation in ZIP 04496 suggests that property values in this specific micro-market remain resilient and attractive for long-term investment.
About This ZIP Code
ZIP code 04496 is one of the most active real estate sub-markets in Waldo 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 Waldo County Housing Market page, which includes ACS median home values, rent, owner-occupancy, employment, migration, and other economic indicators.
Other Active ZIPs in Waldo County
| ZIP Code | HPI | YoY | Latest Year |
|---|---|---|---|
| 04915 | 301.1 | +4.98% | 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.