PlainZIP

Swans Island, ME · standard

ZIP Code 04685

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

332
9/sq mi
$86,250
Median income
$316,700
Median home value
37.9%
Bachelor's or higher

The verdict

Swans Island pairs an above-median household income with above-median home values, in a rural, homeowner-dominated area.

Top 31%
household income, US ZIPs
Top 31%
home value, US ZIPs
9
people per sq mi
91%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 04685 against every reporting US ZIP.

ZIP code 04685 is a sparsely populated ZIP (a standard USPS delivery area) in Swans Island, Hancock County, Maine, home to just 332 residents across 37.3 square miles, a density of 9 people per square mile, in the New York time zone.

ZIP 04685 lands in the middle-income range, with a median household income of $86,250 (17% above the Maine average), while per-capita income is $67,412. 1.1% of residents live below the poverty line, and the unemployment rate reads 1.3%. Housing costs here run $316,700 for a typical home value (12% above the state average), with rent averaging $2,125 a month; 91.0% of homes are owner-occupied.

A solid share of residents have a four-year degree: 37.9% of adults hold a bachelor's degree or higher, the median age is 52.8, and the average commute is -. A geography-based comparison follows: 6 ZIP codes within about 10 miles of 04685, plus 6 more within Hancock 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 04685, Swans Island, 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

332

Population

37.3

Area (sq mi)

9

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 04685?

52.8

Median Age

52.7%

Male

47.3%

Female

7.3%

Foreign-Born

White 90.9%
African American 0.0%
Asian 5.0%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 4.1%
Hispanic or Latino 0.0%

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?

$86,250

Median Household Income

+17% vs state

$67,412

Per Capita Income

1.1%

Poverty Rate

1.3%

Unemployment Rate

How ZIP 04685 ranks nationally

Swans Island, ME household income vs. every US ZIP code

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

$86,250 Top 31% higher than 69% 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 71.4%
Bachelor's Degree or Higher 37.9%

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

What does housing look like?

493

Total Housing Units

200

Occupied Units

293

Vacant Units

2.19

Avg Household Size

Occupancy Type

Owner 91.0%
Renter 9.0%

$316,700

Median Home Value

+12% vs state

$2,125

Median Rent

1976

Median Year Built

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

What businesses operate in this ZIP?

Census Bureau data shows 18 business establishments in ZIP 04685, employing approximately 29 people with a combined annual payroll of $1,355,000.

18

Businesses

29

Employees

$1.4M

Annual Payroll

1

Industry Sectors

Industry Establishments % of Total
Agriculture, forestry, fishing and hunting 5 27.8%

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 04685 vs 04635 →

ZIP 04685 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 04685 ranks #6 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 04685 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 04685 ranks #3 of 7 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
04635 Frenchboro, ME 61 5.2 mi
04674 Seal Cove, ME 484 9.8 mi
04612 Bernard, ME 589 8.1 mi
04653 Bass Harbor, ME 490 7.4 mi
04679 Southwest Harbor, ME 1,767 10.3 mi
04616 Brooklin, ME 824 10.7 mi

More ZIP Codes in Hancock County

04605 standard
Ellsworth, ME
Pop: 12,974
04416 standard
Bucksport, ME
Pop: 5,468
04609 standard
Bar Harbor, ME
Pop: 5,222
04614 standard
Blue Hill, ME
Pop: 2,579
04640 standard
Hancock, ME
Pop: 2,261
04472 standard
Orland, ME
Pop: 2,144

Related Areas

Hancock County Swans Island, ME Maine

Frequently Asked Questions

What county is ZIP code 04685 in? ▼
ZIP code 04685 (Swans Island) is located in Hancock County, Maine. Hancock County contains multiple ZIP codes, see the full list at /counties/hancock-me.
What is the population of ZIP code 04685? ▼
ZIP code 04685 in Swans Island, ME has a population of 332 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 04685? ▼
The median household income in ZIP 04685 is $86,250, which is 13% above the national average of $76,288.
What is the average home value in ZIP 04685? ▼
The median home value in ZIP 04685 is $316,700, which is 14% above the national average of $278,155.
What is the demographic makeup of ZIP 04685? ▼
The largest racial group in ZIP 04685 is White at 90.9%.
How many businesses are in ZIP code 04685? ▼
ZIP code 04685 has 18 business establishments employing approximately 29 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What is the education level in ZIP code 04685? ▼
In ZIP code 04685, 71.4% of residents aged 25+ have a high school diploma or higher, and 37.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 04685? ▼
In ZIP code 04685, approximately 91.0% of occupied housing units are owner-occupied and 9.0% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 04685? ▼
The poverty rate in ZIP code 04685 is 1.1% 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.