04002 — York County, Maine Market Snapshot
Housing market data for zip code 04002 in York County, Maine. Updated monthly with median prices, days on market, and more.
Market Sales Data
13 sales in 2026 (year to date)
Median Sale Price
$524,939
Days to Sell
21
Homes Sold
13
Inventory
19
Sale-to-List
103.2%
New Listings
31
Price/SqFt
$272
Pending Sales
22
Conforming Loan Available
Most homebuyers in 04002 can comfortably use conventional financing. The median home price of $524,939 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
Homes in 04002 are moving quickly at 21 days on market, indicating healthy buyer demand. Well-priced homes are likely seeing multiple offers.
Sale-to-List Ratio
Homes in 04002 are selling 3.2% above asking price on average, signaling strong competition. Buyers should budget above list price.
Conforming Loan Feasibility
Most homebuyers in 04002 can comfortably use conventional financing. The median home price of $524,939 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 04002 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 04002
To purchase the median home at $524,939 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,172.
Monthly Payment
$4,172
Income Required
$178,797
Principal & Interest
$3,235/mo
Down Payment (5%)
$26,247
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 04002.
Estimated Monthly Payment
$3,399
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