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ZIP Code 04038

Cumberland, Maine

ZCTA 04038

Juniper

ZIP Code 04038 is in the lowest 11% nationally for FEMA risk score. It also sits in the highest 12% nationally for median income. And it sits in the highest 15% nationally for home price growth over five years.

Typical Home Valuemedian home value (ACS), re-priced to today on the FHFA index

$564,258

Higher than 81% of U.S. ZIP codes
Home Price Growth, Past Five Years

68%

Higher than 85% of U.S. ZIP codes
FEMA Risk Score0–100; 0 = lowest modelled risk, 100 = highest, vs places of the same type

28.1

Lower than 89% of U.S. ZIP codes

The boundary of ZIP Code 04038, in Cumberland, Maine.

The basics

Total Population

18,300

Median Age

39.4

Population Density

361.75

Home values & property tax

Median Property Tax

$4,825

Property Tax Rateyearly tax as a share of home value

1.1%

Cost of living & affordability

Home Price vs Incomeyears of income to buy a typical home

4.1×

Higher than 73% of U.S. ZIP codes
Median Income

$112,312

Higher than 88% of U.S. ZIP codes
Median Rent

$1,680

Higher than 84% of U.S. ZIP codes

Home prices & appreciation

Home Price Growth, Past Year

3.2%

Near the U.S. ZIP codes median
Pandemic Price Run-Up2019–20 low → 2022–23 peak

63%

2008 Crash: Peak-to-Trough Drophow far prices fell, 2007 → 2011

14%

Climate & weather

Summer Avg High (°F)

79.5

Winter Avg Low (°F)

11.4

Avg Temperature (°F)

45.6

Hot Days/yr (>90°F)

8.1

Freezing Days/yr (<32°F)

171.2

Annual Precipitation (in)

50.5

Annual Snowfall (in)

68.7

Flood & disaster risk

Coastal Flood Loss per $1,000

$0

The full report

Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.

  • People

  • Work & Money

  • Housing

  • Amenities

  • Climate

  • Environment & Risk

ZIP Code 04038: frequently asked questions

What is the typical home value in ZIP Code 04038?
The estimated median home value in ZIP Code 04038 today is $564,258, higher than 81% of U.S. ZIP codes.
How much is property tax in ZIP Code 04038?
The median annual property tax in ZIP Code 04038 is $4,825, an effective rate of 1.1% of home value.
Is ZIP Code 04038 expensive to live in?
Homes in ZIP Code 04038 cost about 4.1× the median household income, higher than 73% of U.S. ZIP codes.
What is the average rent in ZIP Code 04038?
The median gross rent in ZIP Code 04038 is $1,680 a month, higher than 84% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 04038?
Home prices in ZIP Code 04038 have moved 68% over the past five years (3.2% in the past year), per the FHFA House Price Index.
How many people live in ZIP Code 04038?
ZIP Code 04038 has a population of 18,300, about 361.75 people per square mile, per the U.S. Census American Community Survey. The median age is 39.4.
What is the weather like in ZIP Code 04038?
ZIP Code 04038 averages 45.6°F year-round, summer highs near 79.5°F, winter lows around 11.4°F (NOAA 1991–2020 normals). It sees about 68.7 inches of snow a year.
Is ZIP Code 04038 at risk of flooding or natural disasters?
ZIP Code 04038's FEMA National Risk Index score is 28.1 (lower than 89% of U.S. ZIP codes). Its greatest modeled natural hazard is inland flooding. Modeled coastal-flood loss is negligible.

Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap contributors (ODbL), EPA. Explore the map →

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