04107 — Cumberland County, Maine Market Snapshot
Housing market data for zip code 04107 in Cumberland County, Maine. Updated monthly with median prices, days on market, and more.
Market Sales Data
32 sales in 2026 (year to date)
Median Sale Price
$817,500
Days to Sell
48
Homes Sold
32
Inventory
26
Sale-to-List
100.2%
New Listings
49
Price/SqFt
$440
Pending Sales
34
Conforming Loan Available
The median home in 04107 at $817,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Market Insights
Market Temperature
04107's market is balanced with homes taking an average of 48 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 04107 (100.2% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
The median home in 04107 at $817,500 falls within the 2026 conforming loan limit of $832,750, but buyers putting less than 5% down may need jumbo financing. This makes down payment strategy especially important in this market.
Loan limits in 04107 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 04107
To purchase the median home at $817,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $6,413.
Monthly Payment
$6,413
Income Required
$274,861
Principal & Interest
$5,037/mo
Down Payment (5%)
$40,875
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 04107.
Estimated Monthly Payment
$5,209
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