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ZIP Code 04038

Cumberland, Maine

FIPS 04038

Juniper

ZIP Code 04038 is in the top 7% nationally for HPI growth 5yr %, but in the bottom 24% nationally for price-to-income ratio. It also sits in the 87th percentile nationally for median rent. And it sits in the 86th percentile nationally for median home value.

Median Home Value

$460,900

Higher than 86% of U.S. ZIP codes

HPI Growth 5yr %

68%

Higher than 93% of U.S. ZIP codes

FEMA Risk Score

32.4

Lower than 83% of U.S. ZIP codes

The basics

Total Population

18,300

Median Age

39.4

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$460,900

Higher than 86%

Median Property Tax

$4,825

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

4.1

Higher than 76%

Median Rent

$1,680

Higher than 87%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

68%

Higher than 93%

Appreciation 1yr %

3.2%

Higher than 77%

Pandemic Gain %

63%

Recession Drop %

-14%

Climate & weather

Ranked against U.S. ZIP codes.

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

Ranked against U.S. ZIP codes.

FEMA Risk Score

32.4

Lower than 83%

EAL Flood/Coastal per $1K

0

The full report

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

  • People

  • Work & Money

  • Housing

  • Amenities

  • Environment & Risk

ZIP Code 04038: frequently asked questions

What is the median home value in ZIP Code 04038?
The median home value in ZIP Code 04038 is $460,900, higher than 86% 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% 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 76% 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 87% 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.
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 32.4 (lower than 83% of U.S. ZIP codes). Its greatest modeled natural hazard is hurricane. Modeled coastal-flood loss is negligible.

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