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 Moderate-density area
- $77,708
- Median income Near-median income area
- $247,200
- Median home value Near-median home value
- 26.8%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 04963 (Oakland, ME) rose +10.4% from 2023 to 2024. The all-transactions index moved from 244.3 in 2023 to 269.6 in 2024 (2000 = 100).
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 average Maine ZIP), while per-capita income is $39,914. The poverty rate is 8.4%, with unemployment at 2.1%; those measures add context to the income figure. Median home value is $247,200 (13% below the average Maine ZIP) and median rent is $948; 79.9% of occupied 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. The page also surfaces 6 ZIP codes within roughly 10 miles and 6 more in Kennebec County, so 04963 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 04963
Top 5 sectors by establishment count in Oakland, ME
Which industries have the most business establishments in ZIP 04963.
- Construction
Construction
24 establishments
- Retail trade
Retail trade
21 establishments
- Health care and social assistance
Health care and social assistance
20 establishments
- Accommodation and food services
Accommodation and food services
19 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
12 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 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
Who lives in ZIP 04963?
41.4
Median Age
45.9%
Male
54.1%
Female
2.3%
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?
$77,708
Median Household Income
+6% vs state ZIP avg
$39,914
Per Capita Income
8.4%
Poverty Rate
2.1%
Unemployment Rate
26.9 min
Mean Commute Time
How ZIP 04963 ranks among Maine ZIPs
Oakland, 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)
$77,708 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
4,108housing units
4,108
Total Housing Units
3,121
Occupied Units
987
Vacant Units
2.38
Avg Household Size
Occupancy Type
$247,200
Median Home Value
-13% vs state ZIP avg
$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.
- 04963
Oakland (04963)
7,238 residents
- 04937
Fairfield (04937)
6,645 residents
- 04957
Norridgewock (04957)
4,265 residents
- 04917 2,849
Belgrade (04917)
2,849 residents
- 04352 1,632
Mount Vernon (04352)
1,632 residents
- 04978 799
Smithfield (04978)
799 residents
- 04918 349
Belgrade Lakes (04918)
349 residents
What this shows Among its immediate neighbors, ZIP 04963 ranks the most populous - useful context the national average alone can't give.
ZIP 04963 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 04978
Smithfield (04978)
$107,917 median income
- 04917
Belgrade (04917)
$88,338 median income
- 04963
Oakland (04963)
$77,708 median income
- 04352
Mount Vernon (04352)
$74,395 median income
- 04957
Norridgewock (04957)
$65,931 median income
- 04937
Fairfield (04937)
$63,933 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.
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 04963, 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 (7,238 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 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.
Related
Take this with you
What to do with ZIP 04963's numbers, next.
- See how ZIP 04963 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Oakland, ME ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.