HousingHandbookReference data

U.S. ZIP Code · ME04412

Penobscot County · Bangor, ME

Typical home value

$300,843[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+1.5%
5-year / yr
+7.9%
10-year / yr
+7.7%

Relative price

vs U.S.
+5.9%
vs metro
+21.3%
vs state
-11.0%
ZIP 04412 location in ME
Location of ZIP 04412 in ME

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 04412 is worth $300,843 — 21.3% above the Bangor, ME median. Over the past year, values have risen 1.5%. Homes here rent for a typical $1,592 a month — a 6.3% gross rental yield. The effective property tax rate is 1.2%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
$1,592[2]
Gross yield
6.3%[2]
Cap rate
3.8%[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
1.2%[3]
Typical annual tax
$3,609[3]

#Climate risk

FEMA National Risk Index ratings for Penobscot County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Low[4]
Riverine flood
Relatively Moderate
Coastal flood
Very Low
Wildfire
Very Low
Drought
Relatively Low
Heat wave
Very Low
Hurricane
Relatively Moderate
Tornado
Relatively Low
Earthquake
Relatively Low
Winter weather
Very High

#Who lives here

Population
9,652[3]
Median household income
$66,613[3]

#Migration

Household moves in and out of Penobscot County over a year, from IRS tax-return data.

Net migration
+253[5]
Moved in
3,611
Moved out
3,358

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
2
Elementary
1
Middle
0
High
1
  • Brewer Community School

    Elementary · Grades PK–8 · Brewer Public Schools

    860 students

  • Brewer High School

    High · Grades 9–12 · Brewer Public Schools

    704 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield6.3%
Net yield (after ~40% expenses)3.8%
Annual rent$19,100

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$1,521
Loan principal$240,674
Down payment$60,169
Total interest paid$306,967

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio1.30
Monthly cost to own$2,073
Monthly rent$1,592

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
79th percentile[1]
Rental yield
33rd percentile[2]
Property tax
90th percentile[3]

Rankings

Top-10 lists this ZIP code appears on.

Frequently asked

How much is a home worth in ZIP code 04412?
The typical home in 04412 is worth $300,843, based on the Zillow Home Value Index.
Are home values rising in 04412?
Home values in 04412 are up 1.5% over the past year, and up 7.9% a year over five years.
What is the typical rent in 04412?
A typical home in 04412 rents for about $1,592 a month, a gross rental yield of 6.3%.
What is the property tax rate in 04412?
The effective property tax rate in 04412 is 1.2% — roughly $3,609 a year on a typical home.
Who lives in 04412?
ZIP code 04412 has a population of 9,652 and a median household income of $66,613.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Bangor, ME

    Typical home
    $302,336
    Gross yield
    6.1%
  • Orono CDP, ME

    Typical home
    $308,940
    Gross yield
    7.3%
  • ME

    Typical home
    $321,650
    Gross yield
  • ME

    Typical home
    $276,135
    Gross yield
  • ME

    Typical home
    $327,508
    Gross yield
  • Bradley CDP, ME

    Typical home
    $271,854
    Gross yield

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