Real Estate Investing in Hartland, Maine (04943)

Everything the listing leaves out — vacancy, rent trend, cap rate, landlord climate. All free.

Somerset County • Population: 1,681 • Data updated: September 2026

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Should you buy in 04943 (Hartland, ME)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (56/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (52/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
1 flag
  • High vacancy: 32.7% 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 Hartland, ME (04943)?

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3.0/ 5

Investability

Overall investment appeal

3.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $192,707
Avg Monthly Rent $1,035
1% Rule ✗ Does Not Meet
Median Income $41,500
% Renters 21.1%

Market Analysis: 04943 Hartland

ZIP 04943 inside Somerset County looks affordable on the surface — median value of $193K — 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 $193K asset, 04943 is the wrong submarket. If the plan prices in friction, the yield can still work.

In the broader ME picture, 04943 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

The demographic picture in 04943 includes headwinds that any investor should price in. Income distribution skews lower than Hartland averages, and tenant stability requires active management.

looks to the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.76% as of Sep 10 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Hartland:

C+ Average
Buy Confidence Score: 62/100
Affordability
10/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.6× the median income
Value Trend
Rising (+8.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,035/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.

Market Trends

Home Value History (with trend line)

$205K$177K$149K$122K$94K$66KJan 2012May 2019Jul 2026

📊 How Does 04943 Compare?

Metric 04943 Hartland Maine
Home Value $192,707 $192,707 $401,109
5-Year CAGR 6.0% 6.0% 8.6%
Avg Rent $1,035 $1,035 -
Cap Rate 4.2% 4.2% -
💡 Why Invest in 04943? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 04943 (Hartland, ME). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.2%
Fair
5yr Growth
+6.0%
Moderate

📊 Market Snapshot

Home Value $192,707
Monthly Rent $1,035
Price-to-Rent 15.5:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.5%
Cap Rate 4.2%
5-Year IRR 10.2%

📈 Home Appreciation

1-Year +8.5% ▲
3-Year CAGR +1.9% ▲
5-Year CAGR +6.0% ▲
10-Year CAGR +8.6% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.2%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (4.2%). 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.

Vacancy
32.7%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+6.0%
Stable
Eviction process: Fast Rent control: Moderate

Demographics in 04943

Population: 1,681

💰 Median Household Income
$41,500
This area
$41,500
State
$66,371
USA
$74,580
🏠 Renter Occupied
21.1%
This area
21.1%
State
17.6%
USA
34.0%
💼 Unemployment Rate
0.9%
This area
0.9%
State
-23.6%
USA
3.7%
🎓 College Educated
25.1%
This area
25.1%
State
3.6%
USA
33.7%
👤 Median Age
50.4 years
This area
50.4 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
32.7%
This area
32.7%
State
32.3%
USA
10.5%
👥 Population by Ethnicity
White 98.8%
Black/African American 0.7%
Other/Mixed 0.5%
Hispanic/Latino 0.2%
👶 Under 18
19.7%
This area
19.7%
USA
22.0%
👴 65 and Over
19.8%
This area
19.8%
USA
17.3%
📊 Poverty Rate
8.0%
This area
8.0%
USA
11.5%

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 04943

A+ Avg School Grade
1 Schools
10.1:1 Avg Class Size
$17,420 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent

Somerset Elementary School

📚 Pre-K – 04 Elementary
👥
223 Students
👨‍🏫
10.1:1 Class Size
💰
$17,420 Per Student
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.

Frequently Asked Questions

How does Hartland, ME stack up for property investment?

Yes - Hartland, ME a 3.0/5 investability score. With $193K home prices against $1,035/mo monthly rent, the market delivers a reasonable entry point for new investors.

What is the average monthly rent in Hartland, ME?

Expect rents around $1,035/mo per month in Hartland, ME. With home values at $193K, the yield math works out to reasonable levels for rental investors.

What is the typical renter like in Hartland, ME?

Tenant quality in Hartland, ME ranks as solid. Landlords generally report steady occupancy at market rents of $1,035/mo.

Do rentals sit vacant long in Hartland, ME?

Expect elevated vacancy in Hartland, ME. Rents at $1,035/mo are absorbed by the tenant base without meaningful lag.

Is Hartland, ME better for rentals, flips, or BRRRR?

Hartland, ME investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($193K prices, $1,035/mo rents) make it a reasonable choice.

You know 04943 now. You don’t know where it ranks.

This page stays free — all of it. What one page can’t tell you is how 04943 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.

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