04084 — Cumberland County, Maine Market Snapshot
Housing market data for zip code 04084 in Cumberland County, Maine. Updated monthly with median prices, days on market, and more.
Market Sales Data
37 sales in 2026 (year to date)
Median Sale Price
$470,000
Days to Sell
61
Homes Sold
37
Inventory
25
Sale-to-List
99.6%
New Listings
49
Price/SqFt
$296
Pending Sales
46
Conforming Loan Available
Most homebuyers in 04084 can comfortably use conventional financing. The median home price of $470,000 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 61 days on average, 04084 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
Homes are selling very close to asking price in 04084 (99.6% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 04084 can comfortably use conventional financing. The median home price of $470,000 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 04084 are set at the county level.
2026 Loan Limits — Cumberland County
| Property Units | Conforming Limit | FHA Limit |
|---|---|---|
| 1 Unit | $832,750 | $615,250 |
| 2 Units | $1,066,250 | $787,650 |
| 3 Units | $1,288,800 | $952,050 |
| 4 Units | $1,601,750 | $1,183,200 |
Affordability Snapshot — Zip 04084
To purchase the median home at $470,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,751.
Monthly Payment
$3,751
Income Required
$160,757
Principal & Interest
$2,896/mo
Down Payment (5%)
$23,500
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 04084.
Estimated Monthly Payment
$3,059
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 04084. Tell us what you're looking for.