PlainZIP

Waterford, ME · standard

ZIP Code 04088

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

1,516
12/sq mi
$63,750
Median income
$276,800
Median home value
30.9%
Bachelor's or higher

The verdict

Waterford pairs a below-median household income with above-median home values, in a rural, homeowner-dominated area.

36th pct
household income, US ZIPs
Top 37%
home value, US ZIPs
12
people per sq mi
88%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 04088 against every reporting US ZIP.

ZIP code 04088 covers 125.3 square miles in Waterford, Oxford County, Maine (a standard USPS delivery area), with a modest 1,516 residents on file, a density of 12 people per square mile, in the New York time zone.

ZIP 04088 reports a modest median household income of $63,750 (13% below the Maine average), while per-capita income is $55,772. The poverty rate stands at 16.8% and the unemployment rate at 2.0%. The typical home here is valued at $276,800 (2% below the state average); renters pay a median of $870 monthly, and 88.0% of units are owner-occupied.

A solid share of residents have a four-year degree: 30.9% of adults hold a bachelor's degree or higher, the median age is 54.1, and the average commute is 34 minutes. A geography-based comparison follows: 6 ZIP codes within about 10 miles of 04088, plus 6 more within Oxford County, give a clearer read than the national average 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 →

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 04088, Waterford, 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

1,516

Population

125.3

Area (sq mi)

12

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 04088?

54.1

Median Age

46.3%

Male

53.7%

Female

1.5%

Foreign-Born

White 93.3%
African American 0.0%
Asian 0.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.2%
Hispanic or Latino 2.5%

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?

$63,750

Median Household Income

-13% vs state

$55,772

Per Capita Income

16.8%

Poverty Rate

2.0%

Unemployment Rate

34.4 min

Mean Commute Time

How ZIP 04088 ranks nationally

Waterford, ME household income vs. every US ZIP code

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

$63,750 36th percentile higher than 36% 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%). This entry sits in this band. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $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 64.8%
Bachelor's Degree or Higher 30.9%

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

What does housing look like?

974

Total Housing Units

573

Occupied Units

401

Vacant Units

2.21

Avg Household Size

Occupancy Type

Owner 88.0%
Renter 12.0%

$276,800

Median Home Value

-2% vs state

$870

Median Rent

1983

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 26 business establishments in ZIP 04088, employing approximately 80 people with a combined annual payroll of $4,029,000.

26

Businesses

80

Employees

$4.0M

Annual Payroll

2

Industry Sectors

Industry Establishments % of Total
Construction 12 46.1%
Accommodation and food services 5 19.2%

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 04088 vs 04040 →

ZIP 04088 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 04088 ranks #4 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 04088 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 04088 ranks #3 of 5 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
04040 Harrison, ME 3,111 5.7 mi
04267 North Waterford, ME 37 3.9 mi
04057 North Bridgton, ME 56 6.4 mi
04268 Norway, ME 5,023 6.0 mi
04009 Bridgton, ME 5,151 10.0 mi
04255 Greenwood, ME 802 10.2 mi

More ZIP Codes in Oxford County

04270 standard
Oxford, ME
Pop: 5,880
04276 standard
Rumford, ME
Pop: 5,841
04281 standard
South Paris, ME
Pop: 5,116
04268 standard
Norway, ME
Pop: 5,023
04037 standard
Fryeburg, ME
Pop: 3,834
04217 standard
Bethel, ME
Pop: 3,312

Related Areas

Oxford County Waterford, ME Maine

Frequently Asked Questions

What county is ZIP code 04088 in? ▼
ZIP code 04088 (Waterford) is located in Oxford County, Maine. Oxford County contains multiple ZIP codes, see the full list at /counties/oxford-me.
What is the population of ZIP code 04088? ▼
ZIP code 04088 in Waterford, ME has a population of 1,516 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 04088? ▼
The median household income in ZIP 04088 is $63,750, which is 16% below the national average of $76,288.
What is the average home value in ZIP 04088? ▼
The median home value in ZIP 04088 is $276,800, which is 0% below the national average of $278,155.
What is the demographic makeup of ZIP 04088? ▼
The largest racial group in ZIP 04088 is White at 93.3%. Hispanic or Latino residents make up 2.5% of the population.
How many businesses are in ZIP code 04088? ▼
ZIP code 04088 has 26 business establishments employing approximately 80 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 04088? ▼
In ZIP code 04088, 64.8% of residents aged 25+ have a high school diploma or higher, and 30.9% 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 04088? ▼
The mean commute time for workers in ZIP code 04088 is 34.4 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 04088? ▼
In ZIP code 04088, approximately 88.0% of occupied housing units are owner-occupied and 12.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 04088? ▼
The poverty rate in ZIP code 04088 is 16.8% 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.