04444 — Penobscot County, Maine Market Snapshot
Housing market data for zip code 04444 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
$203,000
Days to Sell
44
Homes Sold
2
Inventory
1
Conforming Loan Available
Most homebuyers in 04444 can comfortably use conventional financing. The median home price of $203,000 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
04444's market is balanced with homes taking an average of 44 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Conforming Loan Feasibility
Most homebuyers in 04444 can comfortably use conventional financing. The median home price of $203,000 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 04444 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 04444
To purchase the median home at $203,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $1,705.
Monthly Payment
$1,705
Income Required
$73,085
Principal & Interest
$1,251/mo
Down Payment (5%)
$10,150
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 04444.
Estimated Monthly Payment
$1,406
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