04612 ZIP Code — Bernard, ME

Hancock County, Maine

ZIP code 04612 is located in Bernard, Maine, within Hancock County. It covers approximately 4.20 square miles and serves a population of 490 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 207.

About ZIP code 04612

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $334,500. Owner-occupancy is high at 85%, well above the national average.

The gap between median ($81,875) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 7% is below the national average. 50% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with professional and management as the leading industry. The average commute of 20 minutes is near the national average. Remote work is prevalent — 34% of workers work from home.

Educational attainment is near the national average, with 33% of residents holding a bachelor's degree or higher.

Overall, ZIP code 04612 reflects a community defined by high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

490

population

4.20

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

04612 ZIP code map

Cities in ZIP code 04612

Below are the cities the US Postal Service accepts for ZIP code 04612. Using any city not on this list may result in mail delivery delays.

City	Status
Bernard	Acceptable
Bernard	Preferred

Nearby ZIP codes

04653 Bass Harbor (2 mi) 04674 Seal Cove (2.6 mi) 04679 Southwest Harbor (3.2 mi) 04660 Mount Desert (6 mi) 04685 Swans Island (7.7 mi) 04609 Bar Harbor (8.1 mi) 04616 Brooklin (11.4 mi) 04627 Deer Isle (14.2 mi) 04693 Winter Harbor (15.7 mi) 04676 Sedgwick (15.8 mi) 04614 Blue Hill (15.9 mi) 04681 Stonington (16.5 mi)

Demographics updated 05/2026

Population
Total population	490
Population density	117 / sq mi
State FIPS	23
County FIPS	009

Geography
Land area	4.20 sq mi
Water area	0.46 sq mi
Latitude	44.2501
Longitude	-68.3540
Timezone	Eastern (ET)
Area code	207

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	11.6%	42.0%	42.3%
$50k – $100k	56.7%	34.2%	32.3%
$100k – $200k	24.9%	18.8%	20.6%
Over $200k	6.9%	5.0%	4.9%

Demographics & statistics

490

Population

117

People per sq mi

54.4

Median age

$81,875

Median household income

$48,656

Per capita income

$334,500

Median home value

$942

Median monthly rent

84.5%

Home ownership

6.8%

Poverty rate

5.4%

Unemployment

384

Housing units

32.9%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	80	16.3%
18 and over	410	83.7%
65 and over	167	34.1%
Median age	54.4 years

Race & ethnicity

White 100%

Group	Count	%
White	490	100%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	11.6%	42.0%	42.3%
$50k – $100k	56.7%	34.2%	32.3%
$100k – $200k	24.9%	18.8%	20.6%
Over $200k	6.9%	5.0%	4.9%

$10k–$15k 6.4%

$15k–$25k 5.5%

$25k–$35k 1.8%

$35k–$50k 7.8%

$50k–$75k 16.9%

$75k–$100k 26.0%

$100k–$150k 12.8%

$150k–$200k 12.8%

$200k+ 10.0%

Range	% of households
$10k–$15k	6.4%
$15k–$25k	5.5%
$25k–$35k	1.8%
$35k–$50k	7.8%
$50k–$75k	16.9%
$75k–$100k	26.0%
$100k–$150k	12.8%
$150k–$200k	12.8%
$200k+	10.0%
Median income	$81,875

Housing

Home values

$100k–$150k 1.6%

$150k–$200k 14.1%

$200k–$300k 21.1%

$300k–$500k 48.6%

$500k–$1M 13.0%

$1M+ 1.6%

Housing overview

Metric	Value
Median home value	$334,500
Median rent / month	$942
Owner occupied	84.5%
Renter occupied	15.5%
Vacant	47.6%
Single-family detached	92.6%
Large apartment buildings	0.0%
Mobile homes	0.7%
Median rooms	5.7
Avg household size (owned)	2.43

Year built

Era	%
2020 or later	0.0%
2010–2019	6.2%
2000–2009	15.8%
1990–1999	11.5%
1980–1989	17.2%
1970–1979	12.7%
1960–1969	7.7%
1950–1959	2.9%
1940–1949	2.9%
1939 or earlier	23.2%

Bedrooms

Size	% of units
No bedroom (studio)	4.3%
1 bedroom	4.8%
2 bedrooms	34.2%
3 bedrooms	44.0%
4 bedrooms	9.6%
5+ bedrooms	3.1%

Vehicles per household

Vehicles	% of households
No vehicle	1.4%
1 vehicle	31.1%
2 vehicles	35.2%
3 or more	32.4%

Heating fuel

Fuel type	%
Electricity	11.4%
Propane / LP gas	20.1%
Fuel oil	60.3%
Wood	8.2%

Households & families

Household type	Count	%
Married-couple family	128	58.4%
Cohabiting couple	19	8.7%
Male householder, no spouse	24	11.0%
Female householder, no spouse	48	21.9%
Households with children under 18	52	23.7%
Households with seniors (65+)	121	55.3%
Average household size	2.24

Marital status

Status	Male	Female
Never married	28.0%	17.2%
Married	70.0%	59.5%
Separated	0.0%	0.0%
Widowed	0.0%	15.9%
Divorced	1.9%	7.3%

Education

Less than 9th grade 0.5%

Some HS, no diploma 8.7%

HS graduate 27.9%

Some college, no degree 24.2%

Associate's degree 5.8%

Bachelor's degree 13.4%

Graduate / professional 19.5%

Metric	%
HS diploma or higher	90.8%
Bachelor's or higher	32.9%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	0	0.0%
Elementary school	32	35.2%
High school	43	47.3%
College / grad school	16	17.6%

Employment

Industry of employment

Other services 22.2%

Professional & management 15.1%

Education & healthcare 13.6%

Agriculture & mining 12.5%

Arts, food & hospitality 9.0%

Public administration 6.8%

Transportation & utilities 5.7%

Finance & real estate 5.4%

Construction 4.3%

Manufacturing 2.9%

Retail trade 2.5%

Occupation

Category	%
Management, business & arts	20.8%
Service	7.2%
Sales & office	27.2%
Natural resources & construction	25.1%
Production & transportation	19.7%

Employment type

Type	%
Private sector	68.5%
Government	13.3%
Self-employed	18.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	64.7%
Carpool	0.0%
Public transit	0.0%
Walk	1.1%
Work from home	34.2%
Other means	0.0%
Avg commute (minutes)	19.6

Poverty

All people 6.8%

Under 18 years 5.1%

18 and over 7.1%

Married-couple families 3.9%

Female-led households 0.0%

Income support

Source	% of households
Social Security	49.8%
Retirement income	8.7%
Supplemental Security	3.2%
Cash public assistance	0.0%
Food stamps / SNAP	4.1%

Health indicators

Condition	%
Obesity	29.7%
High blood pressure	33.4%
High cholesterol	36.0%
Diabetes	9.2%
Heart disease	7.5%
Stroke	3.3%
Asthma	10.4%
Arthritis	29.1%
Kidney disease	3.2%
Pulmonary disease	8.4%
Cancer	8.2%

Behavior / access	%
Smoking	16.4%
Binge drinking	13.8%
No physical activity	19.0%
Less than 7 hrs sleep	30.2%
Depression	21.7%
Fair or poor health	12.8%
Poor mental health	12.8%
Poor physical health	10.3%
No health insurance	11.3%
Visited doctor (checkup)	77.5%
Visited dentist	69.0%
Cholesterol screening	91.8%
Teeth loss	14.4%

Veterans & disability

Veterans	Count	%
Civilian veterans	21	5.1%

Disability	%
Any disability	13.5%
Under 18	0.0%
18–64 years	4.1%
65 and over	33.5%

Health insurance coverage

Type	%
Private insurance	71.2%
Public insurance	37.8%
No insurance	7.3%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	479	97.8%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	448	91.4%
Born in same state	436	89.0%
Born in different state	218	44.5%
Foreign born	12	2.4%
Naturalized citizen	42	8.6%
Not a US citizen	13	31.0%

Ancestry

Ancestry	Count	%
French	146	29.8%
Italian	80	16.3%
Irish	25	5.1%

Ancestry	Count	%
English	11	2.2%
Dutch	3	0.6%

Technology access

Metric	% of households
Computer access	44.7%
Internet access	95.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 04612

What city is ZIP code 04612 in?

ZIP code 04612 is primarily assigned to Bernard, Maine.

What county is ZIP code 04612 in?

ZIP code 04612 falls within Hancock County, Maine.

Does ZIP code 04612 have an older population?

34% of residents in ZIP code 04612 are 65 or older, above the national average of ~17%.

Does ZIP code 04612 have a large retiree population?

50% of households in ZIP code 04612 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 04612 mostly owner-occupied?

85% of occupied units in ZIP code 04612 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 04612?

The median home value in ZIP code 04612 is $334,500.

What timezone is ZIP code 04612 in?

ZIP code 04612 observes the EST timezone.