PlainZIP

Oakland, ME · standard

ZIP Code 04963

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

7,238
55/sq mi
$77,708
Median income
$247,200
Median home value
26.8%
Bachelor's or higher

The verdict

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

Top 41%
household income, US ZIPs
Top 43%
home value, US ZIPs
55
people per sq mi
80%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 04963 against every reporting US ZIP.

ZIP code 04963 is a mid-sized community (a standard USPS delivery area) in Oakland, Kennebec County, Maine, home to 7,238 residents across 132.1 square miles, a density of 55 people per square mile, in the New York time zone.

ZIP 04963 lands in the middle-income range, with a median household income of $77,708 (6% above the Maine average), while per-capita income is $39,914. Poverty here runs at 8.4%, with unemployment measured at 2.1%. Housing costs here run $247,200 for a typical home value (13% below the state average), with rent averaging $948 a month; 79.9% of homes are owner-occupied.

Educational attainment sits below the national norm: 26.8% of adults hold a bachelor's degree or higher, the median age is 41.4, and the average commute is 27 minutes. Beyond these figures, 6 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Kennebec County, letting you compare 04963 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 04963

Top 5 sectors by establishment count in Oakland, ME

Which industries have the most business establishments in ZIP 04963.

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 04963, Oakland, 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

7,238

Population

132.1

Area (sq mi)

55

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 04963?

41.4

Median Age

45.9%

Male

54.1%

Female

2.3%

Foreign-Born

White 94.8%
African American 0.1%
Asian 2.2%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 2.4%
Hispanic or Latino 0.8%

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?

$77,708

Median Household Income

+6% vs state

$39,914

Per Capita Income

8.4%

Poverty Rate

2.1%

Unemployment Rate

26.9 min

Mean Commute Time

How ZIP 04963 ranks nationally

Oakland, ME household income vs. every US ZIP code

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

$77,708 Top 41% higher than 59% 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 61.6%
Bachelor's Degree or Higher 26.8%

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

What does housing look like?

4,108

Total Housing Units

3,121

Occupied Units

987

Vacant Units

2.38

Avg Household Size

Occupancy Type

Owner 79.9%
Renter 20.1%

$247,200

Median Home Value

-13% vs state

$948

Median Rent

1983

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

+10.4%

YoY Change (2024)

270

HPI Index (2000 = 100)

+170%

Total Change Since 2000

Home values in ZIP 04963 have increased 10.4% over the past year (2024). Since 2000, this ZIP has seen +170% cumulative appreciation.

Year Annual Change HPI Index
2020 +4.9% 158
2021 +19.7% 189
2022 +19.1% 225
2023 +8.5% 244
2024 +10.4% 270

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 155 business establishments in ZIP 04963, employing approximately 1,977 people with a combined annual payroll of $112,078,000.

155

Businesses

1,977

Employees

$112.1M

Annual Payroll

14

Industry Sectors

Industry Establishments % of Total
Construction 24 15.5%
Retail trade 21 13.6%
Health care and social assistance 20 12.9%
Accommodation and food services 19 12.3%
Professional, scientific, and technical services 12 7.7%
Other services (except public administration) 12 7.7%
Wholesale trade 8 5.2%
Administrative and support and waste management and remediation services 8 5.2%
Real estate and rental and leasing 7 4.5%
Manufacturing 6 3.9%
Finance and insurance 6 3.9%
Transportation and warehousing 5 3.2%
Information 3 1.9%
Arts, entertainment, and recreation 3 1.9%

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 04963 vs 04978 →

ZIP 04963 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 04963 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 04963 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 04963 ranks #3 of 6 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
04978 Smithfield, ME 799 4.4 mi
04918 Belgrade Lakes, ME 349 4.2 mi
04917 Belgrade, ME 2,849 5.5 mi
04957 Norridgewock, ME 4,265 9.5 mi
04937 Fairfield, ME 6,645 8.3 mi
04352 Mount Vernon, ME 1,632 10.0 mi

More ZIP Codes in Kennebec County

04901 standard
Waterville, ME
Pop: 26,248
04330 standard
Augusta, ME
Pop: 26,086
04345 standard
Gardiner, ME
Pop: 11,646
04364 standard
Winthrop, ME
Pop: 6,025
04358 standard
South China, ME
Pop: 4,276
04989 standard
Vassalboro, ME
Pop: 4,215

Related Areas

Kennebec County Oakland, ME Maine

Frequently Asked Questions

What county is ZIP code 04963 in? ▼
ZIP code 04963 (Oakland) 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 04963? ▼
ZIP code 04963 in Oakland, ME has a population of 7,238 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 04963? ▼
The median household income in ZIP 04963 is $77,708, which is 2% above the national average of $76,288.
What is the average home value in ZIP 04963? ▼
The median home value in ZIP 04963 is $247,200, which is 11% below the national average of $278,155.
What is the demographic makeup of ZIP 04963? ▼
The largest racial group in ZIP 04963 is White at 94.8%. Hispanic or Latino residents make up 0.8% of the population.
How many businesses are in ZIP code 04963? ▼
ZIP code 04963 has 155 business establishments employing approximately 1,977 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 04963? ▼
The top industries by establishment count in ZIP 04963 are: Construction (24), Retail trade (21), Health care and social assistance (20). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 04963? ▼
According to the FHFA House Price Index, home values in ZIP 04963 increased by 10.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 170%. 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 04963? ▼
In ZIP code 04963, 61.6% of residents aged 25+ have a high school diploma or higher, and 26.8% 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 04963? ▼
The mean commute time for workers in ZIP code 04963 is 26.9 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 04963? ▼
In ZIP code 04963, approximately 79.9% of occupied housing units are owner-occupied and 20.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 04963? ▼
The poverty rate in ZIP code 04963 is 8.4% 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.