04061 — York County, Maine Market Snapshot
Housing market data for zip code 04061 in York County, Maine. Updated monthly with median prices, days on market, and more.
Market Sales Data
16 sales in 2026 (year to date)
Median Sale Price
$405,750
Days to Sell
42
Homes Sold
16
Inventory
13
Sale-to-List
100.3%
New Listings
26
Price/SqFt
$302
Pending Sales
21
Conforming Loan Available
Most homebuyers in 04061 can comfortably use conventional financing. The median home price of $405,750 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
04061's market is balanced with homes taking an average of 42 days to sell. Buyers have some negotiating room without the pressure of bidding wars.
Sale-to-List Ratio
Homes are selling very close to asking price in 04061 (100.3% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 04061 can comfortably use conventional financing. The median home price of $405,750 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 04061 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 04061
To purchase the median home at $405,750 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $3,259.
Monthly Payment
$3,259
Income Required
$139,660
Principal & Interest
$2,500/mo
Down Payment (5%)
$20,288
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 04061.
Estimated Monthly Payment
$2,661
Connect with a LoanGraphs Loan Officer
Get expert guidance for zip code 04061. Tell us what you're looking for.