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ZIP Code 04097

Cumberland, Maine

FIPS 04097

Juniper

ZIP Code 04097 is in the top 5% nationally for FEMA risk score, but in the bottom 28% nationally for price-to-income ratio. It also sits in the top 8% nationally for HPI growth 5yr %. And it sits in the top 10% nationally for appreciation 1yr %.

Median Home Value

$496,500

Higher than 88% of U.S. ZIP codes

HPI Growth 5yr %

67%

Higher than 92% of U.S. ZIP codes

FEMA Risk Score

7.8

Lower than 95% of U.S. ZIP codes

The basics

Total Population

4,240

Median Age

47.4

Home values & property tax

Ranked against U.S. ZIP codes.

Median Home Value

$496,500

Higher than 88%

Median Property Tax

$5,355

Effective Tax Rate

1%

Cost of living & affordability

Ranked against U.S. ZIP codes.

Price-to-Income Ratio

3.84

Higher than 72%

Median Rent

$1,708

Higher than 88%

Home prices & appreciation

Ranked against U.S. ZIP codes.

HPI Growth 5yr %

67%

Higher than 92%

Appreciation 1yr %

7.5%

Higher than 90%

Pandemic Gain %

59%

Recession Drop %

-16%

Climate & weather

Ranked against U.S. ZIP codes.

Summer Avg High (°F)

76.9

Winter Avg Low (°F)

17.2

Avg Temperature (°F)

46.3

Hot Days/yr (>90°F)

4.7

Freezing Days/yr (<32°F)

143.8

Annual Precipitation (in)

50.1

Annual Snowfall (in)

84

Flood & disaster risk

Ranked against U.S. ZIP codes.

FEMA Risk Score

7.8

Lower than 95%

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 04097: frequently asked questions

What is the median home value in ZIP Code 04097?
The median home value in ZIP Code 04097 is $496,500, higher than 88% of U.S. ZIP codes.
How much is property tax in ZIP Code 04097?
The median annual property tax in ZIP Code 04097 is $5,355, an effective rate of 1% of home value.
Is ZIP Code 04097 expensive to live in?
Homes in ZIP Code 04097 cost about 3.84× the median household income, higher than 72% of U.S. ZIP codes.
What is the average rent in ZIP Code 04097?
The median gross rent in ZIP Code 04097 is $1,708 a month, higher than 88% of U.S. ZIP codes.
How much have home prices grown in ZIP Code 04097?
Home prices in ZIP Code 04097 have moved 67% over the past five years (7.5% in the past year), per the FHFA House Price Index.
What is the weather like in ZIP Code 04097?
ZIP Code 04097 averages 46.3°F year-round, summer highs near 76.9°F, winter lows around 17.2°F (NOAA 1991–2020 normals). It sees about 84 inches of snow a year.
Is ZIP Code 04097 at risk of flooding or natural disasters?
ZIP Code 04097's FEMA National Risk Index score is 7.8 (lower than 95% 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 →