Topsham, ME · standard
ZIP Code 04086
Sagadahoc County, Maine - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 8,787
- 105/sq mi Moderate-density area
- $91,028
- Median income Above-median income area
- $360,800
- Median home value Above-median home value
- 50.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Topsham pairs an above-median household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 26%
- household income, US ZIPs
- Top 25%
- home value, US ZIPs
- 105
- people per sq mi
- 79%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 04086 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 04086 (Topsham, ME) rose +2.4% from 2023 to 2024. The all-transactions index moved from 293.8 in 2023 to 300.9 in 2024 (2000 = 100).
ZIP code 04086 is a mid-sized community (a standard USPS delivery area) in Topsham, Sagadahoc County, Maine, home to 8,787 residents across 83.4 square miles, a density of 105 people per square mile, in the New York time zone.
ZIP 04086 lands in the middle-income range, with a median household income of $91,028 (24% above the average Maine ZIP), while per-capita income is $51,713. The poverty rate is 6.4%, with unemployment at 4.3%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $360,800 (27% above the average Maine ZIP), while 78.9% of occupied homes are owner-occupied and median rent is $1,355.
This is a highly-educated ZIP: 50.0% of adults hold a bachelor's degree or higher, the median age is 44.7, and the average commute is 24 minutes. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Sagadahoc County, so 04086 can be compared with both its immediate and county-level context.
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 04086
Top 5 sectors by establishment count in Topsham, ME
Which industries have the most business establishments in ZIP 04086.
- Retail trade
Retail trade
59 establishments
- Health care and social assistance
Health care and social assistance
53 establishments
- Construction
Construction
39 establishments
- Other services (except public administration)
Other services (except public administration)
32 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
26 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 04086, Topsham, 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
8,787
Population
83.4
Area (sq mi)
105
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 04086?
44.7
Median Age
47.4%
Male
52.6%
Female
3.2%
Foreign-Born
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?
$91,028
Median Household Income
+24% vs state ZIP avg
$51,713
Per Capita Income
6.4%
Poverty Rate
4.3%
Unemployment Rate
23.6 min
Mean Commute Time
How ZIP 04086 ranks among Maine ZIPs
Topsham, ME household income vs. every Maine ZIP code
Median household income among 395 reporting Maine ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$91,028 Top 17% higher than 83% of 395 Maine ZIPs
Each bar is a $20K-wide band; taller bars hold more Maine 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
4,313housing units
4,313
Total Housing Units
4,011
Occupied Units
302
Vacant Units
2.38
Avg Household Size
Occupancy Type
$360,800
Median Home Value
+27% vs state ZIP avg
$1,355
Median Rent
1980
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
+2.4%
YoY Change (2024)
301
HPI Index (2000 = 100)
+201%
Total Change Since 2000
Home values in ZIP 04086 have increased 2.4% over the past year (2024). Since 2000, this ZIP has seen +201% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +6.0% | 193 |
| 2021 | +13.6% | 219 |
| 2022 | +21.6% | 267 |
| 2023 | +10.1% | 294 |
| 2024 | +2.4% | 301 |
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 306 business establishments in ZIP 04086, employing approximately 3,457 people with a combined annual payroll of $147,652,000.
306
Businesses
3,457
Employees
$147.7M
Annual Payroll
12
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Retail trade | 59 | 19.3% |
| Health care and social assistance | 53 | 17.3% |
| Construction | 39 | 12.8% |
| Other services (except public administration) | 32 | 10.5% |
| Professional, scientific, and technical services | 26 | 8.5% |
| Accommodation and food services | 25 | 8.2% |
| Administrative and support and waste management and remediation services | 17 | 5.6% |
| Real estate and rental and leasing | 16 | 5.2% |
| Finance and insurance | 12 | 3.9% |
| Manufacturing | 10 | 3.3% |
| Wholesale trade | 5 | 1.6% |
| Information | 4 | 1.3% |
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 04086 vs 04011 →
ZIP 04086 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 04011
Brunswick (04011)
20,278 residents
- 04530
Bath (04530)
10,818 residents
- 04086
Topsham (04086)
8,787 residents
- 04032 7,879
Freeport (04032)
7,879 residents
- 04252 4,799
Lisbon Falls (04252)
4,799 residents
- 04287 3,224
Bowdoin (04287)
3,224 residents
- 04008 2,723
Bowdoinham (04008)
2,723 residents
What this shows Among its immediate neighbors, ZIP 04086 ranks #3 by population - useful context the national average alone can't give.
ZIP 04086 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 04008
Bowdoinham (04008)
$108,479 median income
- 04032
Freeport (04032)
$107,326 median income
- 04287
Bowdoin (04287)
$91,239 median income
- 04086
Topsham (04086)
$91,028 median income
- 04530
Bath (04530)
$79,649 median income
- 04011
Brunswick (04011)
$74,952 median income
- 04252
Lisbon Falls (04252)
$73,476 median income
What this shows By household income, ZIP 04086 ranks #4 of 7 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 04086, both outside ME so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (8,787 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Sagadahoc County
Related Areas
Frequently Asked Questions
What county is ZIP code 04086 in?
ZIP code 04086 (Topsham) is located in Sagadahoc County, Maine. Sagadahoc County contains multiple ZIP codes, see the full list at /counties/sagadahoc-me.
What is the population of ZIP code 04086?
ZIP code 04086 in Topsham, ME has a population of 8,787 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 04086?
The median household income in ZIP 04086 is $91,028, which is 19% above the national average of $76,288.
What is the average home value in ZIP 04086?
The median home value in ZIP 04086 is $360,800, which is 30% above the national average of $278,155.
What is the demographic makeup of ZIP 04086?
The largest racial group in ZIP 04086 is White at 93.2%. Hispanic or Latino residents make up 3.1% of the population.
How many businesses are in ZIP code 04086?
ZIP code 04086 has 306 business establishments employing approximately 3,457 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 04086?
The top industries by establishment count in ZIP 04086 are: Retail trade (59), Health care and social assistance (53), Construction (39). There are 12 industry sectors represented in total.
How have home values changed in ZIP code 04086?
According to the FHFA House Price Index, home values in ZIP 04086 increased by 2.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 201%. 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 04086?
In ZIP code 04086, 74.0% of residents aged 25+ have a high school diploma or higher, and 50.0% 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 04086?
The mean commute time for workers in ZIP code 04086 is 23.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 04086?
In ZIP code 04086, approximately 78.9% of occupied housing units are owner-occupied and 21.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 04086?
The poverty rate in ZIP code 04086 is 6.4% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 04086's numbers, next.
- See how ZIP 04086 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Topsham, ME ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.