03904 — York County, Maine Market Snapshot
Housing market data for zip code 03904 in York County, Maine. Updated monthly with median prices, days on market, and more.
Market Sales Data
15 sales in 2026 (year to date)
Median Sale Price
$737,500
Days to Sell
36
Homes Sold
15
Inventory
29
Sale-to-List
102.6%
New Listings
35
Price/SqFt
$468
Pending Sales
24
Conforming Loan Available
The median home in 03904 at $737,500 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
03904's market is balanced with homes taking an average of 36 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes in 03904 are selling 2.6% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
The median home in 03904 at $737,500 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 03904 are set at the county level.
2026 Loan Limits — York 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 03904
To purchase the median home at $737,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $5,800.
Monthly Payment
$5,800
Income Required
$248,592
Principal & Interest
$4,544/mo
Down Payment (5%)
$36,875
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 03904.
Estimated Monthly Payment
$4,714
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