PlainZIP

Cape Elizabeth, ME · standard

ZIP Code 04107

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

8,980
239/sq mi
$146,054
Median income
$729,800
Median home value
73.5%
Bachelor's or higher

The verdict

Cape Elizabeth pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 4%
household income, US ZIPs
Top 6%
home value, US ZIPs
239
people per sq mi
88%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 04107 against every reporting US ZIP.

ZIP code 04107 is a mid-sized community (a standard USPS delivery area) in Cape Elizabeth, Cumberland County, Maine, home to 8,980 residents across 37.5 square miles, a density of 239 people per square mile, in the New York time zone.

ZIP 04107 skews affluent, with a median household income of $146,054 (99% above the Maine average), while per-capita income is $77,688. Local economic indicators show a 5.2% poverty rate alongside 2.5% unemployment. Median home value sits at $729,800 (157% above the state average), median rent at $2,185 a month, and owner-occupancy at 88.1%.

This is a highly-educated ZIP: 73.5% of adults hold a bachelor's degree or higher, the median age is 47.5, and the average commute is 21 minutes. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Cumberland County, letting you compare 04107 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 04107

Top 5 sectors by establishment count in Cape Elizabeth, ME

Which industries have the most business establishments in ZIP 04107.

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 04107, Cape Elizabeth, 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

8,980

Population

37.5

Area (sq mi)

239

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 04107?

47.5

Median Age

45.7%

Male

54.3%

Female

6.0%

Foreign-Born

White 92.7%
African American 0.2%
Asian 1.0%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 5.6%
Hispanic or Latino 2.4%

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?

$146,054

Median Household Income

+99% vs state

$77,688

Per Capita Income

5.2%

Poverty Rate

2.5%

Unemployment Rate

21.3 min

Mean Commute Time

How ZIP 04107 ranks nationally

Cape Elizabeth, ME household income vs. every US ZIP code

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

$146,054 Top 4% higher than 96% 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%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). This entry sits in this band. $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 83.7%
Bachelor's Degree or Higher 73.5%

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

What does housing look like?

3,994

Total Housing Units

3,745

Occupied Units

249

Vacant Units

2.55

Avg Household Size

Occupancy Type

Owner 88.1%
Renter 11.9%

$729,800

Median Home Value

+157% vs state

$2,185

Median Rent

1967

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

+8.3%

YoY Change (2024)

363

HPI Index (2000 = 100)

+263%

Total Change Since 2000

Home values in ZIP 04107 have increased 8.3% over the past year (2024). Since 2000, this ZIP has seen +263% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.2% 219
2021 +13.6% 249
2022 +19.2% 297
2023 +12.8% 335
2024 +8.3% 363

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 185 business establishments in ZIP 04107, employing approximately 814 people with a combined annual payroll of $40,688,000.

185

Businesses

814

Employees

$40.7M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 36 19.5%
Construction 25 13.5%
Health care and social assistance 24 13.0%
Real estate and rental and leasing 18 9.7%
Administrative and support and waste management and remediation services 17 9.2%
Retail trade 12 6.5%
Accommodation and food services 10 5.4%
Other services (except public administration) 10 5.4%
Wholesale trade 9 4.9%
Educational services 6 3.2%
Finance and insurance 5 2.7%
Information 3 1.6%
Arts, entertainment, and recreation 3 1.6%

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 04107 vs 04106 →

ZIP 04107 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 04107 ranks #7 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 04107 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 04107 ranks the highest of 9 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
04106 South Portland, ME 25,175 3.9 mi
04101 Portland, ME 17,227 5.2 mi
04109 Portland, ME 93 5.8 mi
04108 Peaks Island, ME 862 5.5 mi
04074 Scarborough, ME 18,760 6.5 mi
04102 Portland, ME 17,335 5.9 mi
04103 Portland, ME 30,606 7.7 mi
04050 Long Island, ME 230 8.2 mi
04092 Westbrook, ME 17,515 9.4 mi
04019 Cliff Island, ME 71 9.9 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 Cape Elizabeth, ME Maine

Frequently Asked Questions

What county is ZIP code 04107 in? ▼
ZIP code 04107 (Cape Elizabeth) 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 04107? ▼
ZIP code 04107 in Cape Elizabeth, ME has a population of 8,980 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 04107? ▼
The median household income in ZIP 04107 is $146,054, which is 91% above the national average of $76,288.
What is the average home value in ZIP 04107? ▼
The median home value in ZIP 04107 is $729,800, which is 162% above the national average of $278,155.
What is the demographic makeup of ZIP 04107? ▼
The largest racial group in ZIP 04107 is White at 92.7%. Hispanic or Latino residents make up 2.4% of the population.
How many businesses are in ZIP code 04107? ▼
ZIP code 04107 has 185 business establishments employing approximately 814 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 04107? ▼
The top industries by establishment count in ZIP 04107 are: Professional, scientific, and technical services (36), Construction (25), Health care and social assistance (24). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 04107? ▼
According to the FHFA House Price Index, home values in ZIP 04107 increased by 8.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 263%. 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 04107? ▼
In ZIP code 04107, 83.7% of residents aged 25+ have a high school diploma or higher, and 73.5% 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 04107? ▼
The mean commute time for workers in ZIP code 04107 is 21.3 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 04107? ▼
In ZIP code 04107, approximately 88.1% of occupied housing units are owner-occupied and 11.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 04107? ▼
The poverty rate in ZIP code 04107 is 5.2% 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.