Gardiner, ME · standard
ZIP Code 04345
Kennebec County, Maine - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 11,646
- 62/sq mi Moderate-density area
- $77,410
- Median income Near-median income area
- $242,800
- Median home value Near-median home value
- 29.7%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Gardiner pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.
- Top 42%
- household income, US ZIPs
- Top 44%
- home value, US ZIPs
- 62
- people per sq mi
- 78%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 04345 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 04345 (Gardiner, ME) rose +14.5% from 2023 to 2024. The all-transactions index moved from 277.9 in 2023 to 318.3 in 2024 (2000 = 100).
ZIP code 04345 is a mid-sized community (a standard USPS delivery area) in Gardiner, Kennebec County, Maine, home to 11,646 residents across 186.6 square miles, a density of 62 people per square mile, in the New York time zone.
ZIP 04345 lands in the middle-income range, with a median household income of $77,410 (5% above the average Maine ZIP), while per-capita income is $40,192. The poverty rate is 10.2%, with unemployment at 4.5%; those measures add context to the income figure. Median home value is $242,800 (14% below the average Maine ZIP) and median rent is $1,045; 77.6% of occupied homes are owner-occupied.
Educational attainment sits below the national norm: 29.7% of adults hold a bachelor's degree or higher, the median age is 41.9, and the average commute is 27 minutes. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Kennebec County, so 04345 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 04345
Top 5 sectors by establishment count in Gardiner, ME
Which industries have the most business establishments in ZIP 04345.
- Construction
Construction
52 establishments
- Retail trade
Retail trade
31 establishments
- Other services (except public administration)
Other services (except public administration)
28 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
26 establishments
- Accommodation and food services 17
Accommodation and food services
17 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 04345, Gardiner, 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
11,646
Population
186.6
Area (sq mi)
62
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 04345?
41.9
Median Age
49.6%
Male
50.4%
Female
2.6%
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?
$77,410
Median Household Income
+5% vs state ZIP avg
$40,192
Per Capita Income
10.2%
Poverty Rate
4.5%
Unemployment Rate
26.7 min
Mean Commute Time
How ZIP 04345 ranks among Maine ZIPs
Gardiner, 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)
$77,410 Top 34% higher than 66% 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
5,538housing units
5,538
Total Housing Units
5,083
Occupied Units
455
Vacant Units
2.46
Avg Household Size
Occupancy Type
$242,800
Median Home Value
-14% vs state ZIP avg
$1,045
Median Rent
1970
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
+14.5%
YoY Change (2024)
318
HPI Index (2000 = 100)
+218%
Total Change Since 2000
Home values in ZIP 04345 have increased 14.5% over the past year (2024). Since 2000, this ZIP has seen +218% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +4.8% | 201 |
| 2021 | +16.3% | 234 |
| 2022 | +23.9% | 289 |
| 2023 | -4.0% | 278 |
| 2024 | +14.5% | 318 |
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 236 business establishments in ZIP 04345, employing approximately 2,871 people with a combined annual payroll of $163,452,000.
236
Businesses
2,871
Employees
$163.5M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 52 | 22.0% |
| Retail trade | 31 | 13.1% |
| Other services (except public administration) | 28 | 11.9% |
| Professional, scientific, and technical services | 26 | 11.0% |
| Accommodation and food services | 17 | 7.2% |
| Health care and social assistance | 16 | 6.8% |
| Wholesale trade | 13 | 5.5% |
| Administrative and support and waste management and remediation services | 13 | 5.5% |
| Real estate and rental and leasing | 12 | 5.1% |
| Transportation and warehousing | 6 | 2.5% |
| Manufacturing | 5 | 2.1% |
| Finance and insurance | 5 | 2.1% |
| Information | 3 | 1.3% |
| Management of companies and enterprises | 3 | 1.3% |
| Arts, entertainment, and recreation | 3 | 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 04345 vs 04359 →
ZIP 04345 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 04345
Gardiner (04345)
11,646 residents
- 04357 3,399
Richmond (04357)
3,399 residents
- 04344 2,951
Farmingdale (04344)
2,951 residents
- 04351 2,571
Manchester (04351)
2,571 residents
- 04347 2,355
Hallowell (04347)
2,355 residents
- 04346 1,772
Randolph (04346)
1,772 residents
- 04342 1,672
Dresden (04342)
1,672 residents
- 04359 388
South Gardiner (04359)
388 residents
- 04343 25
East Winthrop (04343)
25 residents
What this shows Among its immediate neighbors, ZIP 04345 ranks the most populous - useful context the national average alone can't give.
ZIP 04345 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 04351
Manchester (04351)
$92,031 median income
- 04345
Gardiner (04345)
$77,410 median income
- 04342
Dresden (04342)
$74,844 median income
- 04344
Farmingdale (04344)
$71,635 median income
- 04347
Hallowell (04347)
$68,398 median income
- 04346
Randolph (04346)
$66,574 median income
- 04357
Richmond (04357)
$65,854 median income
What this shows By household income, ZIP 04345 ranks #2 of 7 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 04359 | South Gardiner, ME | 388 | 1.9 mi |
| 04346 | Randolph, ME | 1,772 | 3.0 mi |
| 04344 | Farmingdale, ME | 2,951 | 4.6 mi |
| 04357 | Richmond, ME | 3,399 | 5.6 mi |
| 04347 | Hallowell, ME | 2,355 | 6.5 mi |
| 04342 | Dresden, ME | 1,672 | 8.5 mi |
| 04351 | Manchester, ME | 2,571 | 9.9 mi |
| 04343 | East Winthrop, ME | 25 | 10.5 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 04345, 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 (11,646 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Kennebec County
Related Areas
Frequently Asked Questions
What county is ZIP code 04345 in?
ZIP code 04345 (Gardiner) is located in Kennebec County, Maine. Kennebec County contains multiple ZIP codes, see the full list at /counties/kennebec-me.
What is the population of ZIP code 04345?
ZIP code 04345 in Gardiner, ME has a population of 11,646 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 04345?
The median household income in ZIP 04345 is $77,410, which is 1% above the national average of $76,288.
What is the average home value in ZIP 04345?
The median home value in ZIP 04345 is $242,800, which is 13% below the national average of $278,155.
What is the demographic makeup of ZIP 04345?
The largest racial group in ZIP 04345 is White at 90.2%. Hispanic or Latino residents make up 4.7% of the population.
How many businesses are in ZIP code 04345?
ZIP code 04345 has 236 business establishments employing approximately 2,871 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 04345?
The top industries by establishment count in ZIP 04345 are: Construction (52), Retail trade (31), Other services (except public administration) (28). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 04345?
According to the FHFA House Price Index, home values in ZIP 04345 increased by 14.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 218%. 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 04345?
In ZIP code 04345, 64.8% of residents aged 25+ have a high school diploma or higher, and 29.7% 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 04345?
The mean commute time for workers in ZIP code 04345 is 26.7 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 04345?
In ZIP code 04345, approximately 77.6% of occupied housing units are owner-occupied and 22.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 04345?
The poverty rate in ZIP code 04345 is 10.2% 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 04345's numbers, next.
- See how ZIP 04345 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Gardiner, 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.