Population & age
- Total population
- 676
- Median age
- 66.3
ZIP 04554, ME (04554)
Lincoln County · Population 676
Fresh.Data current as of Apr 24, 2026
ME 04554 (ZIP 04554) sits in Lincoln County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 44.9%. No NCES schools are mapped to this ZIP in the current dataset. IRS data shows average household income (AGI) of $95,204, well above the ~$45K national average per return. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. Social vulnerability is low in this ZIP at the 23th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 30 federal disaster declarations affecting this ZIP since 1970 — a high-frequency exposure profile. Maine levies a graduated state income tax (top rate 7.15%); a household at the local median AGI of $95,204 would pay roughly $4,084/year before deductions. IRS migration data (2022-2023) shows a net gain of 575 residents (283 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $85,000, fair market rent of $1,400 for a two-bedroom, and a typical home value of $629,360, up 0.5% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
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Demographics
Race & ethnicity
- White
- 96.4%
- Black
- 0.0%
- Asian
- 0.0%
- Hispanic / Latino
- 0.0%
- Other / multi-racial
- 3.6%
Income & housing
- Median household income
- $85,000
- Median home value
- $486,100
Education
- Bachelor's degree or higher (age 25+)
- 43.0%
Employment
- Unemployment rate
- 5.3%
Housing
- Owner-occupied
- 284(80.2%)
- Renter-occupied
- 70(19.8%)
- Vacant units
- 618
- Built (median)
- 1963
Commute
- Public transit
- 0(0.0%)
- Work from home
- 42(20.3%)
- Avg commute
- 14.3 min
Economic wellbeing
- Below poverty line
- 36(5.3%)
- Uninsured
- 0(0.0%)
Digital access
- Broadband access
- 332(93.8%)
- No broadband
- 22(6.2%)
Language & nativity
- Foreign-born
- 33(4.9%)
- Non-English at home
- 38(5.8%)
Fair Market Rent
Fresh.HUD SAFMR · May 1, 2026Studio
$1,220
/month
1 Bed
$1,280
/month
2 Bed
$1,400
/month
3 Bed
$1,930
/month
4 Bed
$1,940
/month
HUD Fair Market Rents represent the 40th percentile of standard-quality rental housing in this area. FY2026 data.
Home values
Typical home value
$629,360
Zillow Home Value Index (ZHVI) · as of March 2026
Year-over-year change
+0.5%
vs. March 2025
5-year change
+37.4%
vs. March 2021
Source: Zillow Research, ZHVI All Homes (SFR, Condo/Co-op) Time Series (zillow.com/research/data). Zillow Home Value Index (ZHVI) is copyrighted by Zillow, Inc.
New housing construction
New housing units permitted
155
Across 155 permitted buildings. Total construction value: $47.3M.
Single-family
155
100% of total units
Multifamily (2+ unit)
0
0% of total units
Single-family value
$47.3M
construction value
Multifamily value
$0
construction value
Based on county-level data (2024).
Source: U.S. Census Bureau Building Permits Survey (census.gov/construction/bps). Public domain. BPS reports annual residential building permits from local permit-issuing jurisdictions, aggregated to county. A permit reflects intent to build, not a completed unit — actual construction lags by 6-24 months for multifamily projects.
Income & tax statistics
Tax returns filed
460
Average AGI
$95,204
Avg property tax
$500
EITC participation
6.5%
Income distribution
- $1 – $25,00023.9% · 110
- $25,000 – $50,00019.6% · 90
- $50,000 – $75,00015.2% · 70
- $75,000 – $100,0008.7% · 40
- $100,000 – $200,00021.7% · 100
- $200,000 or more10.9% · 50
Avg mortgage interest
$691
Avg charitable contribution
$2,450
Avg capital gains
$8,239
Avg total income tax
—
Source: IRS Statistics of Income — Individual Income Tax Statistics by ZIP Code (irs.gov). Public domain. Dollar columns reported in thousands by the IRS; figures here display real dollars. Total ZCTA AGI for the area was $43.8M across all reported brackets.
Business & employment
Business establishments
40
Total employment
110
Annual payroll
$6.3M
Average annual pay
$57,400
Source: U.S. Census Bureau, ZIP Business Patterns (census.gov). Public domain. ZBP covers establishments with paid employees; Census suppresses employment and payroll values when fewer employers operate in a ZIP than would protect their confidentiality.
Employment & wages
Average annual pay
$53,238
Average weekly wage
$1,024
Total employment
11,252
Total establishments
1,798
That is roughly 19% below the US national average of $65,470 per worker.
Source: U.S. Bureau of Labor Statistics, Quarterly Census of Employment and Wages (bls.gov/cew). Public domain. QCEW is derived from state unemployment-insurance filings and covers ~95% of US jobs. Figures are county-level totals assigned to ZIPs whose primary county matches; small-employer cells are suppressed by BLS to protect employer confidentiality.
Unemployment
Unemployment rate
3.2%
That is 0.8 percentage points below the US national unemployment rate of about 4.0%.
Labor force
16,742
Employed
16,205
Unemployed
537
Based on Lincoln County, ME data (2024).
Source: U.S. Bureau of Labor Statistics, Local Area Unemployment Statistics (bls.gov/lau). Public domain. LAUS publishes monthly and annual labor-force estimates for every US county. Figures are county-level totals assigned to ZIPs whose primary county matches.
Banking access
FDIC-insured bank branches
1
Limited banking access
Only a handful of branches — residents may rely on neighboring ZIPs or online banking for most services.
Total deposits
$14.4M
across all branches in this ZIP
Distinct institutions
1
different banks operating here
Top banks by deposits in this ZIP
- 1.Bangor Savings Bank$14.4M · 1 branch
Based on FDIC-insured branch offices as of June 30, 2024.
Source: FDIC Summary of Deposits (fdic.gov). Annual June-30 snapshot of every FDIC-insured branch and the deposits booked there. Figures cover all institutions reporting a branch address in this ZIP.
Federal Disaster Declarations
Federally Declared Disasters
30
Date Range
1970–2024
Most Recent Declaration
SEVERE STORMS AND FLOODING
Severe Storm — declared March 20, 2024 (DR-4764)
Incident period: January 9, 2024 – January 13, 2024
Top Incident Types
- Severe Storm9 (30%)
- Flood9 (30%)
- Hurricane4 (13%)
- Biological2 (7%)
- Snowstorm2 (7%)
- Other4 (13%)
Individual Assistance
11
Direct help to disaster survivors
Households Program
3
Housing & temporary lodging support
Public Assistance
26
Repair of public facilities & roads
Hazard Mitigation
13
Funding to reduce future disaster risk
FEMA declares disasters at the county level; counts here include every federally declared disaster touching any county that overlaps this ZIP. Statewide declarations and pre-1964 records without county granularity are excluded. Program flags reflect which FEMA assistance categories were activated (Individual Assistance, Households, Public Assistance, Hazard Mitigation). Source: fema.gov/openfema. Public domain.
Climate
30-year averages (1991-2020) from the nearest GHCN-D weather station. Temperature and precipitation values reflect typical annual conditions, not any single year.
Avg. temperature
46.4°F
38° – 54.9°
Annual precipitation
49.3"
Annual snowfall
78.7"
Heating · cooling days
7,076.7 · 346.1
Annual base 65°F
Nearest station: NEWCASTLE, ME US, 12.6 miles from the centroid of ZIP 04554 (ZIP 04554)
Source: NOAA National Centers for Environmental Information, 1991–2020 U.S. Climate Normals (ncei.noaa.gov). Public domain.
Community health profile
Years of potential life lost (per 100K)
7,245
That is roughly 955 years per 100,000 below the national county median (~8,200).
Premature death is the headline composite outcome CHR reports — age-adjusted, all-cause, before age 75.
Fair or poor health
14%
of adults self-report
Poor physical health days
3.8
avg per adult per month
Poor mental health days
5.4
avg per adult per month
Uninsured
10.1%
of residents under 65
Primary care MDs
109
per 100,000 residents
Preventable hospital stays
1,630
per 100K Medicare enrollees
Food environment (0-10)
8.8
10 = best access & security
Exercise access
41%
residents near a facility
Flu vaccinated
36%
of Medicare enrollees
Low birth weight (under 2,500 g) accounts for 7.9% of live births in this county — an early-life health input that downstream outcomes track against.
Based on Lincoln data (2025 CHR release).
Source: County Health Rankings & Roadmaps, University of Wisconsin Population Health Institute (countyhealthrankings.org). Annual release. Underlying source datasets vary by measure (CDC BRFSS, NCHS Vital Statistics, AHA, USDA Food Environment Atlas, and others). Figures are county-level and assigned to every ZIP whose primary county matches.
Food access
Food access status
Good food access — most residents near a store
2.6% of Lincoln County, ME residents live more than 1 mile (urban) or 10 miles (rural) from the nearest supermarket.
Grocery stores
0.23
per 1,000 residents
Supercenters & clubs
—
per 1,000 residents
SNAP-authorized stores
0.99
accepting food benefits
Fast-food restaurants
0.72
per 1,000 residents
Per-1,000 figures show how many of each store type exist in Lincoln County, ME for every 1,000 residents. Higher grocery and supercenter density usually means easier access to fresh food; higher convenience-store-only density (with low grocery rate) often signals a food swamp.
Source: USDA Economic Research Service, Food Environment Atlas (ers.usda.gov). County-level metrics fanned to ZIP via the primary county in the Census ZCTA-county relationship file. Variable years differ per family (stores ~2020, low-access ~2019).
Safety
FBI publishes crime data at the county level. Numbers below cover the primary county that contains this ZIP. Rates are per 100,000 residents in the area covered by reporting agencies.
Violent crime rate
—
per 100K residents · 27 reports
Property crime rate
—
per 100K residents · 92 reports
Homicide
0
Robbery
0
Burglary
15
Vehicle theft
5
County-level data for Lincoln (2024)
Source: U.S. Federal Bureau of Investigation, Uniform Crime Reporting Program (cde.ucr.cjis.gov). Public domain. Coverage varies by reporting agency; areas with partial agency coverage may understate true crime totals.
Who’s moving in and out
Net migration (2022-2023)
▲+575 people
+283 households • +$24.4M net AGI flow
Moved in
1,720households
2,692 people • $151.7M AGI
Moved out
1,437households
2,117 people • $127.4M AGI
Where new residents came from
- Kennebec County, ME — 133 households
- Cumberland County, ME — 115 households
- Knox County, ME — 114 households
- Sagadahoc County, ME — 79 households
- York County, ME — 35 households
Where departing residents went
- Kennebec County, ME — 152 households
- Cumberland County, ME — 122 households
- Knox County, ME — 95 households
- Sagadahoc County, ME — 83 households
- Androscoggin County, ME — 24 households
Incoming households reported an average AGI of $88,222 versus departing households' $88,623.
Source: U.S. Internal Revenue Service, Statistics of Income, Migration Data (irs.gov). Public domain. Migration is measured by year-over-year changes in the address on individual tax returns; figures are county-level totals attributed to ZIPs whose primary county matches. Foreign migration contributes to inflow/outflow totals but does not appear in the top-county lists. Small flows are suppressed by IRS to protect taxpayer confidentiality.
Taxes & benefits in Maine
State-level rules that apply to every resident of ZIP 04554. Numbers reflect the most recent published year per source.
Tax rates
Income tax
7.15%
graduated · 2 brackets
Sales tax (combined)
5.50%
State 5.50% · avg local 0.00%
Property tax (effective)
1.03%
Median $3,691/year
Tax burden rank
41 of 50
11.60% of personal income
For ZIP 04554: At this ZIP's median AGI of $95,204, the estimated state income tax (before deductions) runs about $4,084 per year. Applied to this ZIP's typical home value of $629,360, that works out to roughly $6,503/year in property tax.
Paid family leave
Program
Maine PFML
Mandatory (state-run insurance)
Max weeks/year
12
Parental
12wk
Max weekly benefit
$1,199
Replacement: 90% AWW up to 0.5x SAWW + 66% above · job protection
Safety net
SNAP eligibility
185% FPL
Broad-Based Categorical Eligibility (raises gross income limit above federal 130% floor). No asset test.
Sources: Tax Foundation (state tax rates & brackets), Bipartisan Policy Center (paid family leave), USDA FNS (SNAP categorical eligibility).
Other ZIPs near 04554
Nearby ZIPs by distance
04558 (1.8 mi) · 04541 (2.2 mi) · 04568 (2.8 mi) · 04544 (5 mi) · 04564 (5 mi) · 04538 (Boothbay Harbor, 5.9 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
Data sources used on this page
All data on this page is sourced from federal government datasets · Not AI-generated · Methodology
Health profile
Crude prevalence estimates from CDC PLACES, derived from BRFSS small-area modeling. Population-level figures only.
Obesity
28.6%
4.4pp below the 33.0% national rate.
High Blood Pressure
44.9%
12.9pp above the 32.0% national rate.
Depression
23.6%
Tracks close to the 22.0% national rate.
Annual Checkup
88.1%
12.1pp above the 76.0% national rate.
Health Insurance
5.2%
7.8pp below the 13.0% national rate.
Diabetes
13.4%
2.4pp above the 11.0% national rate.
What these numbers say together
ME 04554 (ZIP 04554) sits in Lincoln County. The page draws on 1 federal data feed retrieved Apr 24. Top health signal: High Blood Pressure comes in above the national average at 44.9%. No NCES schools are mapped to this ZIP in the current dataset. IRS data shows average household income (AGI) of $95,204, well above the ~$45K national average per return. FDIC counts just 1 bank branch in this ZIP (Summary of Deposits, 2024) — residents likely lean on neighboring ZIPs or online banking for most services. Social vulnerability is low in this ZIP at the 23th percentile (CDC SVI), reflecting strong baseline resilience to public-health emergencies and natural disasters. FEMA has issued 30 federal disaster declarations affecting this ZIP since 1970 — a high-frequency exposure profile. Maine levies a graduated state income tax (top rate 7.15%); a household at the local median AGI of $95,204 would pay roughly $4,084/year before deductions. IRS migration data (2022-2023) shows a net gain of 575 residents (283 households) — the ZIP's primary county is growing. Healthcare access is the area's quieter strength; school options sit on the lighter side, so families may find themselves looking at districts a few ZIPs over. Notable: median household income $85,000, fair market rent of $1,400 for a two-bedroom, and a typical home value of $629,360, up 0.5% over the past year. Every figure on this page links to its underlying federal dataset with a retrieval date so you can audit the freshness yourself.
The two domains pull in different directions. Healthcare access reads strong, but the on-paper school count is on the lighter side — that’s less a quality signal and more a density one. Households here often look at districts a few ZIPs over for school choice while keeping their providers local.
One concrete reading worth keeping: Depression prevalence sits near the national rate at 23.6%. Each figure on this page links to the original federal dataset with its retrieval date — this synthesis is a reading, not a substitute for the underlying records.
Frequently Asked Questions — ZIP 04554
What is the obesity rate in ZIP 04554?
28.6%, which is 4.4 percentage points below the national average of 33.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the depression rate in ZIP 04554?
23.6%, which is 1.6 percentage points above the national average of 22.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the high blood pressure rate in ZIP 04554?
44.9%, which is 12.9 percentage points above the national average of 32.0% (CDC PLACES, retrieved Apr 24, 2026).
What is the population of ZIP 04554?
676 people live in ZIP 04554, with a median age of 66.3 (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the median household income in ZIP 04554?
$85,000 per year (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
Is ZIP 04554 mostly renters or homeowners?
In ZIP 04554, 80.2% of occupied housing units are owner-occupied and 19.8% are renter-occupied (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
How do people commute in ZIP 04554?
In ZIP 04554, 20.3% of workers work from home. Public transit is used by 0.0% of commuters (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the poverty rate in ZIP 04554?
5.3% of the population in ZIP 04554 lives below the federal poverty line (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What percentage of households in ZIP 04554 have broadband internet?
93.8% of households in ZIP 04554 have broadband internet access (Census ACS 5-Year 2022, retrieved Apr 30, 2026).
What is the typical home value in ZIP 04554?
The typical home value in ZIP 04554 is $629,360, up 0.5% from a year ago (Zillow Home Value Index, retrieved May 1, 2026).
Are home values rising or falling in ZIP 04554?
Home values are up 0.5% over the past year and up 37.4% over the past five years (Zillow Home Value Index, retrieved May 1, 2026).
What is the average household income in ZIP 04554?
The average Adjusted Gross Income reported on tax returns from ZIP 04554 (ME 04554) is $95,204 per return (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How much do homeowners pay in property tax in ZIP 04554?
Tax returns from ZIP 04554 report an average of $500 per return in real-estate tax deductions (IRS SOI Tax Year 2022, retrieved May 2, 2026).
What percentage of residents in ZIP 04554 earn over $200,000?
10.9% of tax returns from ZIP 04554 (ME 04554) report Adjusted Gross Income of $200,000 or more (IRS SOI Tax Year 2022, retrieved May 2, 2026).
How many businesses are in ZIP 04554?
As of 2022, 40 business establishments operated in ZIP 04554 employing 110 workers (Census ZIP Business Patterns, retrieved May 3, 2026).
What is the average salary in ZIP 04554?
The average annual pay across all local establishments in ZIP 04554 is $57,400, based on Census ZIP Business Patterns 2022 data (retrieved May 3, 2026).
How vulnerable is ZIP 04554 to disasters and public health emergencies?
According to the CDC Social Vulnerability Index (2022), ZIP 04554 ranks in the 23th percentile nationally for social vulnerability — a low vulnerability profile (retrieved May 3, 2026).
What is the biggest vulnerability factor in ZIP 04554?
Socioeconomic Status is the highest-scoring CDC SVI theme for ZIP 04554, ranking in the 34th percentile nationally (CDC/ATSDR Social Vulnerability Index 2022, retrieved May 3, 2026).
How many federally declared disasters has ZIP 04554 experienced?
FEMA has recorded 30 federal disaster declarations affecting ZIP 04554 between 1970–2024 (FEMA OpenFEMA Disaster Declarations, retrieved May 3, 2026).
What kinds of disasters most often hit ZIP 04554?
Severe Storm is the most common federally declared disaster type affecting ZIP 04554, accounting for 9 of 30 declarations (30%, FEMA OpenFEMA, retrieved May 3, 2026).
What was the most recent disaster declared for ZIP 04554?
The most recent FEMA disaster declaration affecting ZIP 04554 was "SEVERE STORMS AND FLOODING" — a severe storm declared in 2024 (DR-4764) (FEMA OpenFEMA, retrieved May 3, 2026).
What is the climate like in ZIP 04554?
ZIP 04554 has an average annual temperature of 46.4°F and 49.3" of annual precipitation based on the NEWCASTLE, ME US weather station 12.6 miles from the ZIP centroid (NOAA 1991–2020 Climate Normals, retrieved May 8, 2026).
What taxes apply in ZIP 04554?
Maine has a graduated income tax with a top rate of 7.15%. Households at the local median AGI of $95,204 would pay roughly $4,084 in state income tax annually (estimated, before deductions). Combined sales tax: 5.50% (Tax Foundation 2025).
Does Maine have paid family leave?
Maine runs an active paid family leave program (Maine PFML) offering up to 12 weeks of paid leave per year, with a maximum weekly benefit of $1,199 (Bipartisan Policy Center 2026).
What data is available for ZIP 04554?
This page covers health outcomes from CDC PLACES (40 metrics), demographics from the Census ACS 5-Year (2022), home values from the Zillow Home Value Index, income & tax statistics from the IRS SOI (Tax Year 2022), local business & employment from Census ZIP Business Patterns (2022), social vulnerability scores from the CDC/ATSDR SVI (2022), federal disaster declarations from FEMA OpenFEMA (30 on record), climate normals from NOAA NCEI (1991-2020), county-level crime data from the FBI Crime Data Explorer (2024), and state-level tax rates from the Tax Foundation. Data is refreshed on Mubboo's standard schedule.
How current is this data?
Health data retrieved Apr 24, 2026 from CDC PLACES. Demographics retrieved Apr 30, 2026 from Census ACS 5-Year (2022). Home values retrieved May 1, 2026 from Zillow Research. Income & tax statistics retrieved May 2, 2026 from IRS SOI (Tax Year 2022). Business & employment retrieved May 3, 2026 from Census ZBP (2022). Social vulnerability scores retrieved May 3, 2026 from CDC/ATSDR SVI (2022). Federal disaster declarations retrieved May 3, 2026 from FEMA OpenFEMA (30 on record). Climate normals retrieved May 8, 2026 from NOAA NCEI (1991-2020). County-level crime data retrieved May 4, 2026 from the FBI Crime Data Explorer (2024). State-level tax rates retrieved 2026-05-05 15:58:22.284+00 from the Tax Foundation.
Other ZIPs near 04554
Nearby ZIPs by distance
04558 (1.8 mi) · 04541 (2.2 mi) · 04568 (2.8 mi) · 04544 (5 mi) · 04564 (5 mi) · 04538 (Boothbay Harbor, 5.9 mi)
Compare ZIP-level stats — population, schools, housing, climate — across nearby areas. Source: U.S. Census Bureau ZCTA basemap.
More Info topics
Have a specific question about ZIP 04554?
Ask Mubboo — launching Q4 2026.
Data refreshed via Mubboo's ETL pipeline; oldest source on this page retrieved Apr 24, 2026.
Social Vulnerability Index
Overall SVI
23rd percentile
Low Vulnerability
Based on 1 census tract, population 302
Vulnerability Themes
Households Without Vehicle
2
Persons with Disability
41
Without HS Diploma
9
Without Health Insurance
22
Adults Age 65+
117
The Social Vulnerability Index uses U.S. Census data to identify communities most at risk during public health emergencies and natural disasters. Higher percentiles indicate greater vulnerability. Tract-level scores are aggregated to this ZCTA via Census 2020 ZCTA→Tract crosswalk, weighted by land-area share. Source: atsdr.cdc.gov. Public domain.