The story of this market
The typical home in ZIP 04949 sells for about $737,450, or $303 per square foot.
Prices are up +4.2% from a year ago, so sellers still have some momentum. Homes take about 45 days to sell. HUD's fair market rent for a two-bedroom is $559 a month.
ZIP 04949 — Liberty
The housing market in 04949 remains stable with low inventory and steady demand, keeping prices elevated. Limited supply continues to drive competition for well-maintained properties, though the pace of sales has moderated compared to previous years.
This ZIP is ideal for remote workers, retirees, and families seeking a quiet coastal lifestyle, though it requires a high degree of self-sufficiency due to its rural nature.
Median prices moved up 4.2% year over year.
Homes spend a median of 45 days on market with 5.2 months of supply — a fast-moving market.
12% 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 10.9% · poverty 14.8% — a mixed stability 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 12.0%/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 7.1%/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 04949, Waldo County ME
Crime rates in this rural coastal area are significantly lower than the national average, with property crime being the primary concern.
Schools serving the area are generally well-regarded, with local districts focusing on small class sizes and community-integrated learning.
The area faces moderate risks from coastal storm surges and winter weather, with property insurance premiums reflecting these environmental exposures.
Economic momentum is driven by seasonal tourism, small-scale agriculture, and a growing remote-work population seeking coastal lifestyle amenities.
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.
Commuting typically requires personal vehicle use, with travel times to regional employment hubs like Camden or Belfast averaging 20-30 minutes.
The area offers extensive access to coastal trails, state parks, and public boat launches, with limited but high-quality local dining and boutique shopping.
The rental market is tight, heavily influenced by seasonal demand and a limited supply of year-round housing, leading to upward pressure on rents.
The local economy is anchored by tourism, hospitality, and a mix of small-scale artisanal businesses and remote professional services.
Transportation is almost exclusively reliant on private vehicles, with limited public transit options available for regional commuting.
Development is strictly managed by local zoning to preserve the rural character, with a focus on low-density residential growth.
The county appraisal district conducts periodic revaluations to ensure assessments align with current market values.
Parcels are subject to local school district taxes and county-level administrative levies.
Property insurance costs are rising due to increased climate-related risk assessments for coastal properties.
The state continues to see net positive domestic migration, particularly from urban centers in the Northeast.
Maine is a judicial foreclosure state, requiring court intervention for the foreclosure process.
Sellers are required to provide a property disclosure statement covering known defects, though the state is generally caveat emptor.
Data retrieved from data.census.gov for ZCTA 04949.
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.
Extensive hiking trails and coastal views.
Public access beach and ferry terminal to Islesboro.
Protected area for hiking and wildlife observation.
Key-figure check: no independent anchor retained yet — first-researched cycles establish the anchor baseline this pass.