ZIP Code 04030 — Waterboro, ME Home Prices (2026)
The typical home in ZIP 04030 (Waterboro, Maine) is worth about $430,000 at roughly $265 per square foot — 1% more expensive than the Waterboro median and 46% more expensive than the typical U.S. home.
How 04030 compares
ZIP 04030 is one of the pricier ZIP codes in Waterboro: its typical home value of $430,000 ranks #1 of the 3 Waterboro ZIP codes we track (the citywide range runs from $393,000 in 04061 to $430,000 in 04030). Per square foot it costs about $265, against $343 for Waterboro as a whole, $271 for Maine, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 04030 | $430,000 | $265 |
| Waterboro, ME | $426,000 | $343 |
| Maine | $361,500 | $271 |
| United States | $294,000 | $195 |
Home value by size in 04030
Using this ZIP’s rate of about $265 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 | $265,000 |
| 1,500 sq ft | $397,500 |
| 2,000 sq ft | $530,000 |
| 2,500 sq ft | $662,500 |
| 3,000 sq ft | $795,000 |
Salary needed to buy a home in ZIP 04030
To buy the typical $430,000 home in ZIP 04030 with 20% down, you need a household income of roughly $117,000 a year (about $2,730 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $139,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $21,500 | $3,390/mo | $145,000/yr |
| 10% (+PMI) | $43,000 | $3,240/mo | $139,000/yr |
| 20% | $86,000 | $2,730/mo | $117,000/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 04030
At about $265 per square foot, here is roughly how much home different budgets get you in ZIP 04030:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 750 sq ft | below the local median — condos, smaller or older homes |
| $250k | 940 sq ft | below the local median — condos, smaller or older homes |
| $300k | 1130 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1510 sq ft | around the typical home here |
| $500k | 1890 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 04030 home.
Estimate a specific home in 04030
The estimator below is pre-set to ZIP 04030 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Waterboro ZIP codes by home value
Where 04030 sits among Waterboro’s 3 ZIP codes:
ZIP 04030 home prices: frequently asked
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See the full Waterboro 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.