Maine
Waldo County
ZIP 04438
40,006 residents158 permits TTM$68,441 median HHI18 ZIP codesUpdated April 16, 2026
Investor first look
Median home value
$239,100
ACS 5-Year
Cap rate proxy
4.9%
FMR × 0.65 ÷ Home Value
Rent-to-income
17.0%
HUD FMR ÷ ACS HHI
Net migration
+1.64%
IRS SOI
Permits (TTM)
158
Census BPS
Climate risk
40.6
FEMA NRI (0–100)
ZIP 04438
Median home value
$249,653
Gross yield
6.9%
Cap rate
4.7%
Rent gap
32.6%
Affordability
P/I: 3.6R/I: —
Section 8 detail
SAFMR: $1,438Rent: $969Gap: 48.4%
ZIP code breakdown18 ZIP codes
| ZIP | Median home value | Rent (FMR 2BR) | Gross yield | Cap rate | Rent gap |
|---|---|---|---|---|---|
| 04354 | $340,365 | $1,438 | 5.1% | 3.4% | 32.6% |
| 04438 | $249,653 | $1,438 | 6.9% | 4.7% | 32.6% |
| 04496 | $280,039 | $1,438 | 6.2% | 4.2% | 32.6% |
| 04848 | $239,100county est. | $1,438 | 7.2% | 4.9% | 32.6% |
| 04849 | $454,355 | $1,438 | 3.8% | 2.6% | 32.6% |
Ranked by composite score
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Demographics
Owner-occupied
80.9%
Census ACS
Vacancy rate
21.0%
Census ACS
Bachelor's degree +
34.8%
Census ACS
Rent burdened
38.9%
Census ACS (>30% income)
Median age
46.9
Census ACS
U.S. Census Bureau — American Community Survey 5-Year Estimates
U.S. Census Bureau — Building Permits Survey
U.S. Department of Housing and Urban Development — Fair Market Rents / Small Area Fair Market Rents (SAFMR)
Internal Revenue Service — Statistics of Income Migration Data
FEMA — National Risk Index
Last updated: April 16, 2026