04354 ZIP Code — Palermo, ME

Waldo County, Maine

ZIP code 04354 is located in Palermo, Maine, within Waldo County. It covers approximately 40.56 square miles and serves a population of 1,447 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 207.

About ZIP code 04354

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 2000s, giving the area an established character. Median home value is $239,600. Owner-occupancy is high at 94%, well above the national average.

Median household income is $95,125. The poverty rate of 3% is below the national average. 34% 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 29 minutes is near the national average.

Educational attainment is near the national average, with 33% 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 04354 reflects a community defined by a strong veteran community, high homeownership, and a significant Social Security-dependent population.

1,447

population

40.56

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

04354 ZIP code map

Cities in ZIP code 04354

Below are the cities the US Postal Service accepts for ZIP code 04354. Using any city not on this list may result in mail delivery delays.

City	Status
Palermo	Preferred

Nearby ZIP codes

04949 Liberty (4.9 mi) 04358 South China (5.6 mi) 04574 Washington (8.6 mi) 04910 Albion (8.7 mi) 04941 Freedom (8.9 mi) 04363 Windsor (9.6 mi) 04989 Vassalboro (11.3 mi) 04973 Searsmont (11.3 mi) 04862 Union (11.5 mi) 04348 Jefferson (12.6 mi) 04952 Morrill (13.2 mi) 04901 Waterville (13.5 mi)

Demographics updated 05/2026

Population
Total population	1,447
Population density	36 / sq mi
State FIPS	23
County FIPS	027

Geography
Land area	40.56 sq mi
Water area	3.01 sq mi
Latitude	44.3960
Longitude	-69.4243
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	38.2%	43.2%	42.3%
$50k – $100k	35.7%	35.6%	32.3%
$100k – $200k	23.1%	17.8%	20.6%
Over $200k	3.0%	3.4%	4.9%

Demographics & statistics

1,447

Population

People per sq mi

44.7

Median age

$95,125

Median household income

$37,428

Per capita income

$239,600

Median home value

Median monthly rent

93.8%

Home ownership

3.0%

Poverty rate

1.8%

Unemployment

947

Housing units

33.2%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

101

105

45–54

127

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	289	20.0%
18 and over	1,158	80.0%
65 and over	263	18.2%
Median age	44.7 years

Race & ethnicity

White 97.4%

Hispanic or Latino 1%

Two or more races 0.8%

Other race 0.6%

Asian 0.3%

Group	Count	%
White	1,423	97.4%
Hispanic or Latino	14	1%
Two or more races	11	0.8%
Other race	9	0.6%
Asian	4	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	38.2%	43.2%	42.3%
$50k – $100k	35.7%	35.6%	32.3%
$100k – $200k	23.1%	17.8%	20.6%
Over $200k	3.0%	3.4%	4.9%

Under $10k 3.9%

$10k–$15k 0.8%

$15k–$25k 5.4%

$25k–$35k 5.4%

$35k–$50k 10.6%

$50k–$75k 16.0%

$75k–$100k 17.5%

$100k–$150k 25.6%

$150k–$200k 11.6%

$200k+ 3.2%

Range	% of households
Under $10k	3.9%
$10k–$15k	0.8%
$15k–$25k	5.4%
$25k–$35k	5.4%
$35k–$50k	10.6%
$50k–$75k	16.0%
$75k–$100k	17.5%
$100k–$150k	25.6%
$150k–$200k	11.6%
$200k+	3.2%
Median income	$95,125

Housing

Home values

Under $50k 3.6%

$50k–$100k 7.0%

$100k–$150k 8.1%

$150k–$200k 18.7%

$200k–$300k 25.7%

$300k–$500k 33.4%

$500k–$1M 2.2%

$1M+ 1.4%

Housing overview

Metric	Value
Median home value	$239,600
Median rent / month	$0
Owner occupied	93.8%
Renter occupied	6.2%
Vacant	39.6%
Single-family detached	93.7%
Large apartment buildings	0.0%
Mobile homes	5.3%
Median rooms	5.5
Avg household size (owned)	2.43

Year built

Era	%
2020 or later	0.6%
2010–2019	8.6%
2000–2009	20.7%
1990–1999	15.7%
1980–1989	16.6%
1970–1979	10.9%
1960–1969	10.2%
1950–1959	4.8%
1940–1949	1.6%
1939 or earlier	10.4%

Bedrooms

Size	% of units
No bedroom (studio)	2.2%
1 bedroom	13.6%
2 bedrooms	29.0%
3 bedrooms	45.9%
4 bedrooms	7.0%
5+ bedrooms	2.2%

Vehicles per household

Vehicles	% of households
No vehicle	0.7%
1 vehicle	21.5%
2 vehicles	42.1%
3 or more	35.7%

Heating fuel

Fuel type	%
Electricity	3.7%
Propane / LP gas	15.8%
Fuel oil	39.7%
Wood	38.0%

Households & families

Household type	Count	%
Married-couple family	387	65.2%
Cohabiting couple	34	5.7%
Male householder, no spouse	69	11.6%
Female householder, no spouse	104	17.5%
Households with children under 18	197	33.2%
Households with seniors (65+)	194	32.7%
Average household size	2.44

Marital status

Status	Male	Female
Never married	20.7%	23.0%
Married	67.6%	61.8%
Separated	0.0%	1.1%
Widowed	0.0%	5.0%
Divorced	11.7%	9.1%

Education

Less than 9th grade 1.9%

Some HS, no diploma 1.9%

HS graduate 34.7%

Some college, no degree 17.8%

Associate's degree 10.6%

Bachelor's degree 21.7%

Graduate / professional 11.5%

Metric	%
HS diploma or higher	96.3%
Bachelor's or higher	33.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	23	7.8%
Kindergarten	4	1.4%
Elementary school	159	53.9%
High school	84	28.5%
College / grad school	25	8.5%

Employment

Industry of employment

Education & healthcare 29.3%

Public administration 13.8%

Retail trade 13.5%

Construction 8.1%

Finance & real estate 7.4%

Manufacturing 7.2%

Professional & management 5.3%

Agriculture & mining 4.8%

Transportation & utilities 3.2%

Other services 3.2%

Arts, food & hospitality 2.8%

Wholesale trade 1.2%

Information 0.1%

Occupation

Category	%
Management, business & arts	40.9%
Service	9.3%
Sales & office	29.8%
Natural resources & construction	9.5%
Production & transportation	10.5%

Employment type

Type	%
Private sector	71.5%
Government	21.8%
Self-employed	6.7%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	70.3%
Carpool	15.3%
Public transit	0.8%
Walk	2.0%
Work from home	11.7%
Other means	0.0%
Avg commute (minutes)	29.1

Poverty

All people 3.0%

Under 18 years 0.0%

18 and over 3.8%

Married-couple families 1.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	34.0%
Retirement income	29.8%
Supplemental Security	3.5%
Cash public assistance	4.0%
Food stamps / SNAP	5.6%

Health indicators

Condition	%
Obesity	30.9%
High blood pressure	32.5%
High cholesterol	32.5%
Diabetes	8.8%
Heart disease	6.8%
Stroke	2.9%
Asthma	10.4%
Arthritis	27.1%
Kidney disease	2.8%
Pulmonary disease	8.1%
Cancer	7.3%

Behavior / access	%
Smoking	17.6%
Binge drinking	15.7%
No physical activity	20.3%
Less than 7 hrs sleep	32.7%
Depression	21.5%
Fair or poor health	11.9%
Poor mental health	13.7%
Poor physical health	9.5%
No health insurance	12.6%
Visited doctor (checkup)	74.8%
Visited dentist	64.9%
Cholesterol screening	89.7%
Teeth loss	17.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	138	11.9%

Disability	%
Any disability	15.5%
Under 18	2.8%
18–64 years	14.1%
65 and over	34.6%

Health insurance coverage

Type	%
Private insurance	87.4%
Public insurance	30.8%
No insurance	3.5%
Uninsured under 19	5.1%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,393	96.3%
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)	1,402	96.9%
Born in same state	1,398	96.6%
Born in different state	930	64.3%
Foreign born	4	0.3%
Naturalized citizen	45	3.1%
Not a US citizen	23	51.1%

Ancestry

Ancestry	Count	%
French	341	23.6%
Italian	200	13.8%
Arab	128	8.8%
German	39	2.7%

Ancestry	Count	%
English	16	1.1%
Irish	4	0.3%
Norwegian	3	0.2%

Technology access

Metric	% of households
Computer access	41.1%
Internet access	94.6%

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

Frequently asked questions about ZIP code 04354

What city is ZIP code 04354 in?

ZIP code 04354 is primarily assigned to Palermo, Maine.

What county is ZIP code 04354 in?

ZIP code 04354 falls within Waldo County, Maine.

Is ZIP code 04354 mostly owner-occupied?

94% of occupied units in ZIP code 04354 are owner-occupied, well above the national average.

Does ZIP code 04354 have a large veteran population?

12% of civilians in ZIP code 04354 are veterans, above the national average of ~7%.

What is the population of ZIP code 04354?

ZIP code 04354 has an estimated population of 1,447 residents, with a density of 36 people per square mile.

What is the median household income in ZIP code 04354?

The median household income in ZIP code 04354 is $95,125, above the national median of ~$75,000.

What timezone is ZIP code 04354 in?

ZIP code 04354 observes the EST timezone.