04282 — Androscoggin County, Maine Market Snapshot
Housing market data for zip code 04282 in Androscoggin 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
$415,000
Days to Sell
67
Homes Sold
19
Inventory
15
Sale-to-List
96.7%
New Listings
22
Price/SqFt
$206
Pending Sales
21
Conforming Loan Available
Most homebuyers in 04282 can comfortably use conventional financing. The median home price of $415,000 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
With homes sitting for 67 days on average, 04282 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
The average home in 04282 sells for 3.3% below asking price (96.7% sale-to-list), suggesting buyers have negotiating leverage in the current market.
Conforming Loan Feasibility
Most homebuyers in 04282 can comfortably use conventional financing. The median home price of $415,000 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 04282 are set at the county level.
2026 Loan Limits — Androscoggin 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 04282
To purchase the median home at $415,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,330.
Monthly Payment
$3,330
Income Required
$142,697
Principal & Interest
$2,557/mo
Down Payment (5%)
$20,750
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 04282.
Estimated Monthly Payment
$2,718
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