04064 — York County, Maine Market Snapshot
Housing market data for zip code 04064 in York County, Maine. Updated monthly with median prices, days on market, and more.
Market Sales Data
56 sales in 2026 (year to date)
Median Sale Price
$507,500
Days to Sell
41
Homes Sold
56
Inventory
70
Sale-to-List
99.7%
New Listings
96
Price/SqFt
$363
Pending Sales
81
Conforming Loan Available
Most homebuyers in 04064 can comfortably use conventional financing. The median home price of $507,500 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
04064's market is balanced with homes taking an average of 41 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 04064 (99.7% sale-to-list ratio), indicating accurate pricing by sellers and steady demand.
Conforming Loan Feasibility
Most homebuyers in 04064 can comfortably use conventional financing. The median home price of $507,500 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 04064 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 04064
To purchase the median home at $507,500 with 5% down at today's rate of 6.75%, the estimated monthly payment is approximately $4,038.
Monthly Payment
$4,038
Income Required
$173,070
Principal & Interest
$3,127/mo
Down Payment (5%)
$25,375
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 04064.
Estimated Monthly Payment
$3,291
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