Real Estate Investing in Monmouth, Maine (04265)
Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.
Should you buy in 04265 (Monmouth, 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: 19.7% of homes vacant — above national norms.
• Limited market data — this is a very small market; averages are built from few observations and can swing widely. • Modeled rent — no observed market rent for this ZIP; the figure is estimated from HUD fair-market rent.
What’s happening in Monmouth, ME (04265)?
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Market Analysis: 04265 Monmouth
ZIP 04265 inside Kennebec County looks affordable on the surface — median value of $317K — but the discount exists for reasons that a careful buyer should understand before committing.
If the plan assumes clean turnover, on-time rent, and low maintenance on a $317K asset, 04265 is the wrong submarket. If the plan prices in friction, the yield can still work.
From a cash-flow lens, 04265 offers a low basis, the region around Monmouth has moved on in ways that the ZIP itself has not fully absorbed. The result is a discount with genuine reasons.
Demographically, 04265 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
New investors are better served looking at Monmouth's stable or hybrid ZIPs before stepping into 04265. The learning curve here is expensive when the lesson is wrong.
Here's what matters if you're considering buying a home in Monmouth:
Market Trends
Home Value History (with trend line)
📊 How Does 04265 Compare?
| Metric | 04265 | Monmouth | Augusta-Waterville, ME | Maine |
|---|---|---|---|---|
| Home Value | $316,959 | $342,396 | N/A | $401,109 |
| 5-Year CAGR | 5.5% | 5.6% | N/A | 8.6% |
| Avg Rent | $1,575 | $1,467 | N/A | - |
| Cap Rate | 3.9% | 3.4% | - | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 04265 (Monmouth, ME). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $316,959 |
| Monthly Rent | $1,575 |
| Price-to-Rent | 16.8:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.0% |
| Cap Rate | 3.9% |
| 5-Year IRR | 9.4% |
📈 Home Appreciation
| 1-Year | +6.4% ▲ |
| 3-Year CAGR | +3.9% ▲ |
| 5-Year CAGR | +5.5% ▲ |
| 10-Year CAGR | +7.7% ▲ |
🏠 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 (3.9%). 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 04265
Population: 645
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
🎓 Nearby Colleges & Universities
Investor Insight: With 3,576 students living off-campus nearby, this area has strong rental demand from the college population.
Frequently Asked Questions
Is Monmouth in ME worth investing in?
Yes - Monmouth, ME a 3.0/5 investability score. With $317K home prices against $1,575/mo monthly rent, the market delivers a reasonable entry point for new investors.
What is it like being a landlord in Monmouth, ME?
For rental operators, Monmouth, ME rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
How much do tenants pay in Monmouth, ME?
Monmouth, ME rentals go for roughly $1,575/mo a month. That puts gross yield in solid territory relative to $317K acquisition costs.
Which investment style suits Monmouth, ME?
Investors who focus on careful cash-flow rentals with hands-on management typically do well in Monmouth, ME. The numbers - $317K homes against $1,575/mo rents - support that play.
Does house hacking make sense in Monmouth, ME?
Monmouth, ME is a a challenging market for house hackers. FHA or conventional owner-occupant buyers find the $317K price point reasonable to enter.
You know 04265 now. You don’t know where it ranks.
This page stays free — all of it. What one page can’t tell you is how 04265 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 04265 ranks in Augusta-Waterville, ME
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