The story of this market
The typical home in ZIP 04086 sells for about $450,000, or $245 per square foot.
Prices are up +3.2% from a year ago, so sellers still have some momentum. Homes take about 42 days to sell. HUD's fair market rent for a two-bedroom is $1,355 a month.
ZIP 04086 — Topsham
The housing market in 04086 remains stable with moderate price appreciation and consistent demand from local buyers. Inventory levels are tight, which continues to support pricing despite broader economic headwinds. The area's appeal as a suburban alternative to Portland keeps the market resilient.
This ZIP is ideal for families and professionals seeking a suburban lifestyle with high-quality schools and convenient access to the Portland metro area without the density of the city center.
Median prices moved up 3.2% year over year.
Homes spend a median of 42 days on market with 3.8 months of supply — a fast-moving market.
19% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.
no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 4.3% · poverty 6.4% — a stable, low-distress profile.
Researched annual trajectory for this ZIP, from published historical series
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 7.5%/yr trend — a deterministic estimate, not a published forecast or guarantee.
Median annual property tax paid on this ZIP's residential parcels
Solid: researched ten-year history · dotted: 1 / 3 / 5-year projection extended from the historical 5.1%/yr trend — a deterministic estimate, not a published forecast or guarantee.
versus the prior ACS vintage
net influx — more people moved in than out
ZCTA 04086, Sagadahoc County ME
Crime rates in Topsham are generally low, with the area experiencing significantly lower violent and property crime rates compared to the national average and the broader Portland metro region.
Schools serving the 04086 ZIP code are part of Maine School Administrative District 75, which is generally regarded for providing high-quality public education with strong student performance metrics.
The area faces moderate risks related to winter weather and seasonal flooding near the Androscoggin River, though wildfire risk remains low compared to national standards.
Economic momentum is driven by proximity to the Brunswick-Topsham industrial and retail corridor, with ongoing interest in residential development and local infrastructure improvements.
Composed from the ARED governance burden registry — tier-native tax structure (state + county + city + special districts), never averaged. State (Maine) — Maine Resident Homestead Property Tax Exemption: Provides a reduction in the valuation of the homestead for property tax purposes. The exemption amount is set by state statute (currently $25,000 of the just value of the property). The formula is: (Just Value - Homestead Exemption) * Local Tax Rate = Tax Due.
Residents primarily commute via I-295, providing a direct corridor to the Portland employment core, with typical drive times ranging from 30 to 40 minutes depending on traffic.
The area features extensive access to the Androscoggin River for boating and fishing, numerous local parks, and proximity to the shopping districts of Brunswick and Topsham.
The rental market is characterized by low vacancy rates and steady demand, driven by the area's appeal to professionals working in the nearby Brunswick and Portland hubs.
The local economy is anchored by healthcare, education, and retail sectors, with significant employment ties to the nearby Brunswick Naval Air Station redevelopment and Portland's broader labor market.
Transportation is heavily reliant on personal vehicles, with I-295 serving as the primary artery for regional transit; limited public bus service connects to the Brunswick transit hub.
Development is focused on mixed-use residential and commercial projects along the Route 196 corridor, aiming to balance housing demand with infrastructure capacity.
Parcels are subject to municipal property taxes and local school district levies; no significant MUD or PID districts are prevalent in this jurisdiction.
Property insurance premiums are stable, though homeowners in flood-prone areas near the river may require additional coverage.
Data retrieved from data.census.gov ZCTA-level tables.
Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.
- Moose Mountain Adventure Park4.711.6 mi
- FunZ Trampoline Park3.916.5 mi
- Monkey C Monkey Do4.611.6 mi
- Pineland Farms4.716.1 mi
- Cumberland Fairgrounds4.519.7 mi
- Cook's Lobster & Ale House4.413.5 mi
- Boothbay Lobster Wharf4.517 mi
- Robinson's Wharf4.515.7 mi
- Wolfe's Neck Woods State Park4.810.9 mi
- Bradbury Mountain State Park4.712.3 mi
- Maine Maritime Museum4.86.9 mi
- Desert of Maine4.512.1 mi
- Smitty's Cinema Topsham4.42.1 mi
- Maine Maritime Museum4.86.9 mi
- Bowdoin College Museum of Art4.72.5 mi
- Boothbay Railway Village Museum4.716 mi
- Eartha Globe4.614.5 mi
- Peary-MacMillan Arctic Museum4.72.5 mi
- Wolfe's Neck Woods State Park4.810.9 mi
- Bradbury Mountain State Park4.712.3 mi
- Winslow Memorial Park4.613 mi
- Cliff Trail4.78.7 mi
- George J. Mitchell Field4.712.2 mi
- Paul's Marina4.88.2 mi
- Brunswick Golf Club4.63 mi
- The Bath Golf Club3.94.3 mi
- Acker's Acres Disc Golf Course and Events Center4.810.7 mi
- Freeport Outlets4.510 mi
- Shaw's4.111.1 mi
- Shaw's45.9 mi
- T.J. Maxx4.32.7 mi
- Topsham Fair Mall4.32 mi
- Portland International Jetport4.427.4 mi
Theme parks, venues, golf, airports, museums, water and shopping across the area from Google Maps, ranked by popularity within the radius shown.
Provides significant recreational opportunities including boating, fishing, and scenic trails.
A major regional retail hub serving the immediate area and surrounding towns.
Features extensive hiking trails and protected natural habitats.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.