04419 — Penobscot County, Maine Market Snapshot
Housing market data for zip code 04419 in Penobscot County, Maine. Updated monthly with median prices, days on market, and more.
Limited Sales Data
Only 2 homes sold in this ZIP code during the selected period. Statistics may not be representative. See the Penobscot County county page for broader data.
Market Sales Data
2 sales in 2026 (year to date)
Median Sale Price
$302,010
Days to Sell
37
Homes Sold
2
Inventory
4
Conforming Loan Available
Most homebuyers in 04419 can comfortably use conventional financing. The median home price of $302,010 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
04419's market is balanced with homes taking an average of 37 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 04419 can comfortably use conventional financing. The median home price of $302,010 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 04419 are set at the county level.
2026 Loan Limits — Penobscot 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 04419
To purchase the median home at $302,010 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $2,464.
Monthly Payment
$2,464
Income Required
$105,596
Principal & Interest
$1,861/mo
Down Payment (5%)
$15,101
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 04419.
Estimated Monthly Payment
$2,019
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 04419. Tell us what you're looking for.