ZIP Code 04003 — Harpswell, ME Home Prices (2026)
The typical home in ZIP 04003 (Harpswell, Maine) is worth about $864,000 at roughly $603 per square foot — 18% more expensive than the Harpswell median and 194% more expensive than the typical U.S. home.
How 04003 compares
ZIP 04003 is one of the pricier ZIP codes in Harpswell: its typical home value of $864,000 ranks #1 of the 3 Harpswell ZIP codes we track (the citywide range runs from $730,000 in 04066 to $864,000 in 04003). Per square foot it costs about $603, against $526 for Harpswell as a whole, $271 for Maine, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 04003 | $864,000 | $603 |
| Harpswell, ME | $731,000 | $526 |
| Maine | $361,500 | $271 |
| United States | $294,000 | $195 |
Home value by size in 04003
Using this ZIP’s rate of about $603 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $603,000 |
| 1,500 sq ft | $904,500 |
| 2,000 sq ft | $1,206,000 |
| 2,500 sq ft | $1,507,500 |
| 3,000 sq ft | $1,809,000 |
Salary needed to buy a home in ZIP 04003
To buy the typical $864,000 home in ZIP 04003 with 20% down, you need a household income of roughly $235,000 a year (about $5,480 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $279,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $43,200 | $6,820/mo | $292,000/yr |
| 10% (+PMI) | $86,400 | $6,520/mo | $279,000/yr |
| 20% | $172,800 | $5,480/mo | $235,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 04003
At about $603 per square foot, here is roughly how much home different budgets get you in ZIP 04003:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $400k | 660 sq ft | below the local median — condos, smaller or older homes |
| $500k | 830 sq ft | below the local median — condos, smaller or older homes |
| $600k | 1000 sq ft | below the local median — condos, smaller or older homes |
| $750k | 1240 sq ft | around the typical home here |
| $1.00M | 1660 sq ft | around the typical home here |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 04003 home.
Estimate a specific home in 04003
The estimator below is pre-set to ZIP 04003 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Harpswell ZIP codes by home value
Where 04003 sits among Harpswell’s 3 ZIP codes:
ZIP 04003 home prices: frequently asked
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See the full Harpswell home values page, all Maine cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.