04640 ZIP Code — Hancock, ME

Hancock County, Maine

ZIP code 04640 is located in Hancock, Maine, within Hancock County. It covers approximately 29.32 square miles and serves a population of 2,432 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 207.

About ZIP code 04640

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 $227,600. Owner-occupancy is high at 83%, well above the national average.

Median household income is $67,298. 45% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 28 minutes is near the national average.

Educational attainment is near the national average, with 32% of residents holding a bachelor's degree or higher.

Notable community characteristics include a notable veteran presence at 12% of civilians, above the national average of 7%.

Overall, ZIP code 04640 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

2,432

population

29.32

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

04640 ZIP code map

Cities in ZIP code 04640

Below are the cities the US Postal Service accepts for ZIP code 04640. Using any city not on this list may result in mail delivery delays.

City	Status
Hancock	Preferred

Nearby ZIP codes

04664 Sullivan (2.7 mi) 04677 Sorrento (3.2 mi) 04607 Gouldsboro (8.4 mi) 04634 Franklin (8.4 mi) 04609 Bar Harbor (10.2 mi) 04669 Prospect Harbor (11.1 mi) 04693 Winter Harbor (11.2 mi) 04660 Mount Desert (13.1 mi) 04613 Birch Harbor (13.2 mi) 04605 Ellsworth (13.3 mi) 04624 Corea (13.7 mi) 04684 Surry (14.4 mi)

Demographics updated 05/2026

Population
Total population	2,432
Population density	83 / sq mi
State FIPS	23
County FIPS	009

Geography
Land area	29.32 sq mi
Water area	8.83 sq mi
Latitude	44.5008
Longitude	-68.2412
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	42.0%	42.0%	42.3%
$50k – $100k	38.6%	34.2%	32.3%
$100k – $200k	15.7%	18.8%	20.6%
Over $200k	3.7%	5.0%	4.9%

Demographics & statistics

2,432

Population

People per sq mi

50.2

Median age

$67,298

Median household income

$41,648

Per capita income

$227,600

Median home value

$1,003

Median monthly rent

83.3%

Home ownership

9.5%

Poverty rate

2.7%

Unemployment

1,272

Housing units

32.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

109

25–34

113

141

35–44

147

151

45–54

158

55–59

60–64

221

65–74

230

113

75–84

117

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	372	15.3%
18 and over	2,060	84.7%
65 and over	705	29.0%
Median age	50.2 years

Race & ethnicity

White 90.7%

Two or more races 4.3%

Hispanic or Latino 3.6%

Black or African American 0.9%

American Indian / Alaska Native 0.5%

Group	Count	%
White	2,288	90.7%
Two or more races	108	4.3%
Hispanic or Latino	91	3.6%
Black or African American	23	0.9%
American Indian / Alaska Native	13	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	42.0%	42.0%	42.3%
$50k – $100k	38.6%	34.2%	32.3%
$100k – $200k	15.7%	18.8%	20.6%
Over $200k	3.7%	5.0%	4.9%

Under $10k 0.7%

$10k–$15k 1.0%

$15k–$25k 5.9%

$25k–$35k 8.1%

$35k–$50k 22.3%

$50k–$75k 20.8%

$75k–$100k 16.2%

$100k–$150k 11.9%

$150k–$200k 8.0%

$200k+ 5.2%

Range	% of households
Under $10k	0.7%
$10k–$15k	1.0%
$15k–$25k	5.9%
$25k–$35k	8.1%
$35k–$50k	22.3%
$50k–$75k	20.8%
$75k–$100k	16.2%
$100k–$150k	11.9%
$150k–$200k	8.0%
$200k+	5.2%
Median income	$67,298

Housing

Home values

Under $50k 9.1%

$50k–$100k 7.7%

$100k–$150k 6.3%

$150k–$200k 15.1%

$200k–$300k 27.5%

$300k–$500k 25.9%

$500k–$1M 4.8%

$1M+ 3.5%

Housing overview

Metric	Value
Median home value	$227,600
Median rent / month	$1,003
Owner occupied	83.3%
Renter occupied	16.7%
Vacant	26.6%
Single-family detached	79.9%
Large apartment buildings	0.0%
Mobile homes	11.7%
Median rooms	5.4
Avg household size (owned)	2.28

Year built

Era	%
2020 or later	0.4%
2010–2019	7.2%
2000–2009	19.0%
1990–1999	17.7%
1980–1989	15.7%
1970–1979	7.7%
1960–1969	4.1%
1950–1959	3.3%
1940–1949	0.5%
1939 or earlier	24.5%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	13.4%
2 bedrooms	32.7%
3 bedrooms	36.7%
4 bedrooms	15.6%
5+ bedrooms	1.2%

Vehicles per household

Vehicles	% of households
No vehicle	0.4%
1 vehicle	36.5%
2 vehicles	36.4%
3 or more	26.7%

Heating fuel

Fuel type	%
Electricity	4.9%
Propane / LP gas	31.1%
Fuel oil	56.9%
Wood	7.1%

Households & families

Household type	Count	%
Married-couple family	513	48.2%
Cohabiting couple	158	14.8%
Male householder, no spouse	141	13.2%
Female householder, no spouse	253	23.8%
Households with children under 18	184	17.3%
Households with seniors (65+)	473	44.4%
Average household size	2.25

Marital status

Status	Male	Female
Never married	28.8%	24.9%
Married	52.0%	49.5%
Separated	0.7%	0.6%
Widowed	7.9%	7.7%
Divorced	10.7%	17.3%

Education

Less than 9th grade 1.4%

Some HS, no diploma 1.6%

HS graduate 39.6%

Some college, no degree 16.4%

Associate's degree 8.5%

Bachelor's degree 15.3%

Graduate / professional 17.1%

Metric	%
HS diploma or higher	96.9%
Bachelor's or higher	32.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	6	1.5%
Kindergarten	17	4.3%
Elementary school	118	30.0%
High school	83	21.1%
College / grad school	169	43.0%

Employment

Industry of employment

Education & healthcare 22.0%

Construction 13.9%

Professional & management 13.7%

Retail trade 12.8%

Finance & real estate 6.7%

Agriculture & mining 6.5%

Other services 6.1%

Arts, food & hospitality 4.7%

Public administration 4.1%

Transportation & utilities 4.0%

Wholesale trade 2.9%

Manufacturing 1.4%

Information 1.2%

Occupation

Category	%
Management, business & arts	31.2%
Service	17.6%
Sales & office	19.2%
Natural resources & construction	22.7%
Production & transportation	9.4%

Employment type

Type	%
Private sector	66.6%
Government	13.4%
Self-employed	20.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	76.6%
Carpool	15.3%
Public transit	0.0%
Walk	1.5%
Work from home	5.8%
Other means	0.9%
Avg commute (minutes)	28.0

Poverty

All people 9.5%

Under 18 years 24.7%

18 and over 6.7%

Married-couple families 2.1%

Female-led households 33.3%

Income support

Source	% of households
Social Security	44.8%
Retirement income	28.0%
Supplemental Security	2.9%
Cash public assistance	1.6%
Food stamps / SNAP	6.2%

Health indicators

Condition	%
Obesity	29.5%
High blood pressure	31.1%
High cholesterol	33.9%
Diabetes	8.4%
Heart disease	6.8%
Stroke	2.9%
Asthma	10.3%
Arthritis	26.4%
Kidney disease	2.9%
Pulmonary disease	7.6%
Cancer	7.5%

Behavior / access	%
Smoking	16.6%
Binge drinking	15.4%
No physical activity	18.2%
Less than 7 hrs sleep	30.6%
Depression	21.9%
Fair or poor health	11.8%
Poor mental health	13.2%
Poor physical health	9.6%
No health insurance	11.8%
Visited doctor (checkup)	76.0%
Visited dentist	68.7%
Cholesterol screening	90.2%
Teeth loss	13.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	237	11.5%

Disability	%
Any disability	15.6%
Under 18	6.7%
18–64 years	6.5%
65 and over	37.7%

Health insurance coverage

Type	%
Private insurance	72.4%
Public insurance	43.5%
No insurance	8.6%
Uninsured under 19	6.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	2,303	94.7%
Spanish	6	0.3%
Other Indo-European	6	0.3%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,380	97.9%
Born in same state	2,368	97.4%
Born in different state	1,486	61.1%
Foreign born	12	0.5%
Naturalized citizen	52	2.1%
Not a US citizen	5	9.6%

Ancestry

Ancestry	Count	%
French	460	18.9%
Italian	285	11.7%
Arab	144	5.9%

Ancestry	Count	%
German	47	1.9%
Polish	42	1.7%
Dutch	36	1.5%

Technology access

Metric	% of households
Computer access	43.8%
Internet access	94.0%

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

Frequently asked questions about ZIP code 04640

What city is ZIP code 04640 in?

ZIP code 04640 is primarily assigned to Hancock, Maine.

What county is ZIP code 04640 in?

ZIP code 04640 falls within Hancock County, Maine.

Does ZIP code 04640 have an older population?

29% of residents in ZIP code 04640 are 65 or older, above the national average of ~17%.

Does ZIP code 04640 have a large retiree population?

45% of households in ZIP code 04640 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 04640 mostly owner-occupied?

83% of occupied units in ZIP code 04640 are owner-occupied, well above the national average.

Does ZIP code 04640 have a large veteran population?

12% of civilians in ZIP code 04640 are veterans, above the national average of ~7%.

What timezone is ZIP code 04640 in?

ZIP code 04640 observes the EST timezone.