Real Estate Investing in Naples, Maine (04055)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 04055 (Naples, ME)? Our answer, based on the numbers below.
Proceed carefully. Weak appreciation or affordability makes this a harder case for most buyers.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 40.9% of homes vacant — above national norms.
• Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Naples, ME (04055)?
Click any question — our AI will research it live from the web and show you sources.
Market Analysis: 04055 Naples
The 04055 ZIP covers a section of Naples that demands careful diligence. Prices near $443K look accessible, but the work to make a deal cash flow is real.
The 04055 ZIP can work — but only with a tight operating hand. Remote landlords and passive investors tend to struggle here more than the underwriting suggests.
From a cash-flow lens, 04055 offers a low basis, the region around Naples has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
A sturdy renter share of 9% in 04055 is not, on its own, a problem — but paired with below-average income and high mobility, it changes the operating playbook.
New investors are better served looking at Naples's stable or hybrid ZIPs before stepping into 04055. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Naples:
Property Strategy for 04055
Which property type performs best in this market?
📊 Compare All Property Types →
| Type | Median Value | Est. Rent | Cap Rate | 5yr CAGR | $/Bedroom |
|---|---|---|---|---|---|
| 2BR | $367,472 | $2,230 | 4.4% | +9.2% | $183,736 |
| 3BR | $424,726 | $2,900 | 4.9% | +9.9% | $141,575 |
Market Trends
Home Value History (with trend line)
📊 How Does 04055 Compare?
| Metric | 04055 | Naples | Portland-South Portland, ME | Maine |
|---|---|---|---|---|
| Home Value | $443,195 | $443,195 | N/A | $401,109 |
| 5-Year CAGR | 5.9% | 5.9% | N/A | 8.6% |
| Avg Rent | $2,007 | $2,007 | N/A | - |
| Cap Rate | 3.5% | 3.5% | - | - |
Similar ZIPs Within 25 Miles
Compare other nearby markets to see if a neighbor offers a better fit.
Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 04055 (Naples, ME). Anonymous, moderated, never written by AI.
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Property managers serving Cumberland County
Manage rentals here? List your business →Port Property offers apartments for rent and commercial property management services in Portland, South Portland, and Biddeford, Maine. summary from their website
Schneider Property Management, part of HomeRiver Group, offers property management, brokerage, rehab and construction, leasing, and maintenance services for single-family and multi-family properties. summary from their website
Aquarius Property Management offers property management services in Greater Portland, including Portland, South Portland, Falmouth, Cape Elizabeth, and Scarborough. summary from their website
Listings are shown for convenience — Repit doesn’t endorse or vet these companies. Ratings shown come only from email-verified visitors.
📊 Market Snapshot
| Home Value | $443,195 |
| Monthly Rent | $2,007 |
| Price-to-Rent | 18.4:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.4% |
| Cap Rate | 3.5% |
| 5-Year IRR | 9.4% |
📈 Home Appreciation
| 1-Year | +5.3% ▲ |
| 3-Year CAGR | +4.1% ▲ |
| 5-Year CAGR | +5.9% ▲ |
| 10-Year CAGR | +7.9% ▲ |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (3.5%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.
Run an IRR Analysis →⚠️ Risk Signals
Composite view of factors that can impact a ZIP's stability and your downside risk.
Demographics in 04055
Population: 3,949
Crime & Safety
Crime & Safety Data Coming Soon
We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.
Expected: Q1 2025
🎓 Schools in 04055
Schools in This ZIP Code
About Repit School Scores
Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.
We evaluate schools based on factors that research shows actually impact educational outcomes:
- Class Size — Smaller classes mean more individual attention
- School Funding — Resources available for programs, staff, and facilities
- Community Factors — Neighborhood characteristics that influence student success
- School Environment — Size, type, and structure
Scores are updated annually using federal education data.
🎓 Nearby Colleges & Universities
Frequently Asked Questions
What is the tenant pool like in Naples, ME?
Working renters make up the core of the Naples, ME tenant base. The pool is reasonable for investors targeting long-term holds.
Is Naples, ME better for rentals, flips, or BRRRR?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Naples, ME. The numbers - $443K homes against $2,007/mo rents - support that play.
Is vacancy a concern in Naples, ME?
Occupancy in Naples, ME runs even-keeled with elevated vacancy. Well-priced units at $2,007/mo lease on reasonable timelines.
Is Naples, ME landlord-friendly?
The landlord environment in Naples, ME is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.
How much should I expect to pay for a home in Naples, ME?
Naples, ME home values average about $443K. That price point suits investors targeting rentals with $2,007/mo in monthly income.
You know 04055 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 04055 compares to every other market. Investor ($19/mo) screens every U.S. ZIP by cap rate, the 1% rule, vacancy and landlord climate, and exports your shortlist.
How 04055 ranks in Portland-South Portland, ME
Every ZIP in this metro, ranked. Free.
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