04092 — Cumberland County, Maine Market Snapshot
Housing market data for zip code 04092 in Cumberland County, Maine. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$551,074
Days to Sell
50
Homes Sold
17
Inventory
22
Sale-to-List
102.4%
New Listings
24
Price/SqFt
$327
Pending Sales
31
Conforming Loan Available
Most homebuyers in 04092 can comfortably use conventional financing. The median home price of $551,074 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
04092's market is balanced with homes taking an average of 50 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 04092 are selling 2.4% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 04092 can comfortably use conventional financing. The median home price of $551,074 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 04092 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 04092
To purchase the median home at $551,074 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,372.
Monthly Payment
$4,372
Income Required
$187,378
Principal & Interest
$3,396/mo
Down Payment (5%)
$27,554
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 04092.
Estimated Monthly Payment
$3,560
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