04259 — Kennebec County, Maine Market Snapshot
Housing market data for zip code 04259 in Kennebec County, Maine. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 8 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Kennebec County county page for broader data.
Market Sales Data
8 sales in 2026 (year to date)
Median Sale Price
$754,375
Days to Sell
47
Homes Sold
8
Inventory
9
Conforming Loan Available
The median home in 04259 at $754,375 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
04259's market is balanced with homes taking an average of 47 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
The median home in 04259 at $754,375 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 04259 are set at the county level.
2026 Loan Limits — Kennebec 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 04259
To purchase the median home at $754,375 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,930.
Monthly Payment
$5,930
Income Required
$254,134
Principal & Interest
$4,648/mo
Down Payment (5%)
$37,719
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 04259.
Estimated Monthly Payment
$4,819
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