Real Estate Investing in Jackman, Maine (04945)

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

Somerset County • Population: 1,270 • Data updated: September 2026

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Should you buy in 04945 (Jackman, ME)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (64/100)

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: 50.2% 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 Jackman, ME (04945)?

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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 $237,591
Avg Monthly Rent $1,530
1% Rule ✗ Does Not Meet
Median Income $55,203
% Renters 11.2%

Market Analysis: 04945 Jackman

This part of Somerset County is not an easy win. The 04945 ZIP shows softness in key indicators, and the playbook that works in cleaner markets often stalls here.

For an experienced owner, 04945 can be a a strong candidate for hunting ground — but the discount at $238K reflects genuine risk that outside investors often underestimate.

Statewide comparisons place 04945 among ME's softer markets. That context does not make the ZIP uninvestable, but it does raise the bar for due diligence.

Employment concentration in 04945 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

New investors are better served looking at Jackman's stable or hybrid ZIPs before stepping into 04945. The learning curve here is expensive when the lesson is wrong.

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 Jackman:

C+ Average
Buy Confidence Score: 67/100
Affordability
15/25
Appreciation
22/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 4.3× the median income
Value Trend
Rising (+4.2%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,530/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)

$249K$220K$191K$162K$133K$104KApr 2015Dec 2020Jul 2026

📊 How Does 04945 Compare?

Metric 04945 Jackman Maine
Home Value $237,591 $237,591 $401,109
5-Year CAGR 5.7% 5.7% 8.6%
Avg Rent $1,530 $1,530 -
Cap Rate 5.0% 5.0% -

Similar ZIPs Within 25 Miles

Compare other nearby markets to see if a neighbor offers a better fit.

💡 Why Invest in 04945? 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 04945 (Jackman, ME). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
5.0%
Fair
5yr Growth
+5.7%
Moderate

📊 Market Snapshot

Home Value $237,591
Monthly Rent $1,530
Price-to-Rent 12.9:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 7.7%
Cap Rate 5.0%
5-Year IRR 10.7%

📈 Home Appreciation

1-Year +4.2% ▲
3-Year CAGR +2.9% ▲
5-Year CAGR +5.7% ▲
10-Year CAGR +7.4% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 5.0%  |  30yr Rate: 6.8%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.8%) exceeds the estimated cap rate (5.0%). 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
50.2%
Elevated risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+5.7%
Stable
Eviction process: Fast Rent control: Moderate

Demographics in 04945

Population: 1,270

💰 Median Household Income
$55,203
This area
$55,203
State
$66,371
USA
$74,580
🏠 Renter Occupied
11.2%
This area
11.2%
State
17.6%
USA
34.0%
💼 Unemployment Rate
1.4%
This area
1.4%
State
-23.6%
USA
3.7%
🎓 College Educated
26.1%
This area
26.1%
State
3.6%
USA
33.7%
👤 Median Age
53.6 years
This area
53.6 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
50.2%
This area
50.2%
State
32.3%
USA
10.5%
👥 Population by Ethnicity
White 94.4%
Other/Mixed 5.3%
Hispanic/Latino 2.7%
Asian 0.2%
👶 Under 18
12.2%
This area
12.2%
USA
22.0%
👴 65 and Over
26.3%
This area
26.3%
USA
17.3%
📊 Poverty Rate
1.3%
This area
1.3%
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 04945

A+ Avg School Grade
1 Schools
8.0:1 Avg Class Size
$21,037 Avg Per Pupil

Schools in This ZIP Code

A+ Excellent
👥
149 Students
👨‍🏫
8.0:1 Class Size
💰
$21,037 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

Should investors consider Jackman, ME?

The 3.0/5 investability rating in Jackman, ME reflects its $238K prices and $1,530/mo rents. Investors generally consider it a solid option within ME.

What do landlords charge for rent in Jackman, ME?

Rent in Jackman, ME is around $1,530/mo. The resulting rent-to-value relationship with $238K pricing is reasonable for most investor models.

What real estate strategy is ideal for Jackman, ME?

Jackman, ME investors pursuing careful cash-flow rentals with hands-on management. The underlying economics ($238K prices, $1,530/mo rents) make it a reasonable choice.

Is Jackman, ME suited for a house hack?

The a challenging house-hack environment in Jackman, ME reflects the rent-to-price spread. Expect meaningful PITI offset at market rents.

Is rental property easy to operate in Jackman, ME?

The landlord environment in Jackman, ME is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

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