03909 — York County, Maine Market Snapshot
Housing market data for zip code 03909 in York County, Maine. Updated monthly with median prices, days on market, and more.
Market Sales Data
17 sales in 2026 (year to date)
Median Sale Price
$600,000
Days to Sell
177
Homes Sold
17
Inventory
20
Sale-to-List
103.0%
New Listings
24
Price/SqFt
$403
Pending Sales
19
Conforming Loan Available
Most homebuyers in 03909 can comfortably use conventional financing. The median home price of $600,000 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
With homes sitting for 177 days on average, 03909 favors buyers. There may be opportunities to negotiate below asking price or request seller concessions for closing costs or rate buydowns.
Sale-to-List Ratio
Homes in 03909 are selling 3.0% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 03909 can comfortably use conventional financing. The median home price of $600,000 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 03909 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 03909
To purchase the median home at $600,000 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,747.
Monthly Payment
$4,747
Income Required
$203,443
Principal & Interest
$3,697/mo
Down Payment (5%)
$30,000
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 03909.
Estimated Monthly Payment
$3,863
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