PlainZIP

Gray, ME · standard

ZIP Code 04039

Cumberland County, Maine - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

7,422
71/sq mi
$95,125
Median income
$357,500
Median home value
44.4%
Bachelor's or higher

The verdict

Gray pairs an upper-quartile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 22%
household income, US ZIPs
Top 25%
home value, US ZIPs
71
people per sq mi
82%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 04039 against every reporting US ZIP.

ZIP code 04039 is a mid-sized community (a standard USPS delivery area) in Gray, Cumberland County, Maine, home to 7,422 residents across 105.3 square miles, a density of 71 people per square mile, in the New York time zone.

ZIP 04039 lands in the middle-income range, with a median household income of $95,125 (29% above the Maine average), while per-capita income is $49,790. Poverty here runs at 3.4%, with unemployment measured at 3.3%. Housing costs here run $357,500 for a typical home value (26% above the state average), with rent averaging $1,371 a month; 81.5% of homes are owner-occupied.

A solid share of residents have a four-year degree: 44.4% of adults hold a bachelor's degree or higher, the median age is 42.7, and the average commute is 28 minutes. Beyond these figures, 7 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Cumberland County, letting you compare 04039 to its immediate surroundings rather than a national baseline alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 04039

Top 5 sectors by establishment count in Gray, ME

Which industries have the most business establishments in ZIP 04039.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 04039, Gray, ME · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

7,422

Population

105.3

Area (sq mi)

71

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 04039?

42.7

Median Age

51.4%

Male

48.6%

Female

3.1%

Foreign-Born

White 86.7%
African American 0.0%
Asian 1.6%
American Indian or Alaska Native 0.6%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.7%
Hispanic or Latino 3.1%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$95,125

Median Household Income

+29% vs state

$49,790

Per Capita Income

3.4%

Poverty Rate

3.3%

Unemployment Rate

28.2 min

Mean Commute Time

How ZIP 04039 ranks nationally

Gray, ME household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$95,125 Top 22% higher than 78% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). This entry sits in this band. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 67.4%
Bachelor's Degree or Higher 44.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

4,139

Total Housing Units

3,478

Occupied Units

661

Vacant Units

2.33

Avg Household Size

Occupancy Type

Owner 81.5%
Renter 18.5%

$357,500

Median Home Value

+26% vs state

$1,371

Median Rent

1984

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+2.2%

YoY Change (2024)

289

HPI Index (2000 = 100)

+189%

Total Change Since 2000

Home values in ZIP 04039 have increased 2.2% over the past year (2024). Since 2000, this ZIP has seen +189% cumulative appreciation.

Year Annual Change HPI Index
2020 +6.6% 191
2021 +13.5% 216
2022 +15.8% 251
2023 +12.8% 283
2024 +2.2% 289

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 245 business establishments in ZIP 04039, employing approximately 1,928 people with a combined annual payroll of $91,552,000.

245

Businesses

1,928

Employees

$91.6M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Construction 65 26.5%
Other services (except public administration) 27 11.0%
Professional, scientific, and technical services 26 10.6%
Retail trade 23 9.4%
Administrative and support and waste management and remediation services 19 7.8%
Health care and social assistance 19 7.8%
Accommodation and food services 14 5.7%
Finance and insurance 10 4.1%
Manufacturing 9 3.7%
Wholesale trade 8 3.3%
Arts, entertainment, and recreation 7 2.9%
Real estate and rental and leasing 6 2.5%
Transportation and warehousing 5 2.0%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 04039 vs 04260 →

ZIP 04039 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 04039 ranks #3 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 04039 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 04039 ranks #7 of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
04260 New Gloucester, ME 5,542 5.8 mi
04097 North Yarmouth, ME 3,574 5.8 mi
04071 Raymond, ME 4,801 6.1 mi
04062 Windham, ME 17,020 7.0 mi
04021 Cumberland Center, ME 5,820 7.3 mi
04105 Falmouth, ME 11,158 10.1 mi
04110 Cumberland Foreside, ME 1,391 11.4 mi

More ZIP Codes in Cumberland County

04103 standard
Portland, ME
Pop: 30,606
04106 standard
South Portland, ME
Pop: 25,175
04011 standard
Brunswick, ME
Pop: 20,278
04074 standard
Scarborough, ME
Pop: 18,760
04092 standard
Westbrook, ME
Pop: 17,515
04102 standard
Portland, ME
Pop: 17,335

Related Areas

Cumberland County Gray, ME Maine

Frequently Asked Questions

What county is ZIP code 04039 in? ▼
ZIP code 04039 (Gray) is located in Cumberland County, Maine. Cumberland County contains multiple ZIP codes, see the full list at /counties/cumberland-me.
What is the population of ZIP code 04039? ▼
ZIP code 04039 in Gray, ME has a population of 7,422 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 04039? ▼
The median household income in ZIP 04039 is $95,125, which is 25% above the national average of $76,288.
What is the average home value in ZIP 04039? ▼
The median home value in ZIP 04039 is $357,500, which is 29% above the national average of $278,155.
What is the demographic makeup of ZIP 04039? ▼
The largest racial group in ZIP 04039 is White at 86.7%. Hispanic or Latino residents make up 3.1% of the population.
How many businesses are in ZIP code 04039? ▼
ZIP code 04039 has 245 business establishments employing approximately 1,928 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 04039? ▼
The top industries by establishment count in ZIP 04039 are: Construction (65), Other services (except public administration) (27), Professional, scientific, and technical services (26). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 04039? ▼
According to the FHFA House Price Index, home values in ZIP 04039 increased by 2.2% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 189%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 04039? ▼
In ZIP code 04039, 67.4% of residents aged 25+ have a high school diploma or higher, and 44.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 04039? ▼
The mean commute time for workers in ZIP code 04039 is 28.2 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 04039? ▼
In ZIP code 04039, approximately 81.5% of occupied housing units are owner-occupied and 18.5% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 04039? ▼
The poverty rate in ZIP code 04039 is 3.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.