04108 ZIP Code — Peaks Island, ME

Cumberland County, Maine

ZIP code 04108 is located in Peaks Island, Maine, within Cumberland County. It covers approximately 1.22 square miles and serves a population of 859 residents. This is a po box ZIP code in the Eastern (ET) timezone, served by area code 207.

About ZIP code 04108

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 $418,000. Owner-occupancy is high at 85%, well above the national average.

The gap between median ($90,893) and mean household income suggests income inequality — a small number of higher earners pull the average up. Poverty affects 18% of residents, above the national average. 51% 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. Remote work is prevalent — 32% of workers work from home.

Educational attainment is high — 66% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 04108 reflects a community defined by a highly educated population, economic challenges above the national average, high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

859
population
1.22
sq mi land
PO Box
ZIP type
Eastern (ET)
timezone
04108 ZIP code map
Cities in ZIP code 04108

Below are the cities the US Postal Service accepts for ZIP code 04108. Using any city not on this list may result in mail delivery delays.

City Status
Peaks Island Acceptable
Peaks Island Preferred
Nearby ZIP codes
04109 Portland (1.3 mi) 04050 Long Island (2.4 mi) 04123 Portland (3.3 mi) 04122 Portland (3.3 mi) 04124 Portland (3.3 mi) 04101 Portland (3.6 mi) 04103 Portland (5.2 mi) 04102 Portland (5.6 mi) 04017 Chebeague Island (5.7 mi) 04107 Cape Elizabeth (5.8 mi) 04106 South Portland (6.2 mi) 04110 Cumberland Foreside (6.4 mi)
Demographics updated 05/2026
Population
Total population 859
Population density 704 / sq mi
State FIPS 23
County FIPS 005
Geography
Land area 1.22 sq mi
Water area 5.32 sq mi
Latitude 43.6697
Longitude -70.1912
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 29.8% 32.3% 42.3%
$50k – $100k 24.6% 31.4% 32.3%
$100k – $200k 30.8% 27.4% 20.6%
Over $200k 14.8% 8.9% 4.9%

Demographics & statistics

859
Population
704
People per sq mi
59.3
Median age
$90,893
Median household income
$64,155
Per capita income
$418,000
Median home value
$1,543
Median monthly rent
84.7%
Home ownership
18.0%
Poverty rate
2.4%
Unemployment
1,012
Housing units
65.6%
Bachelor's or higher

Age distribution

Male Female
3
Under 5
3
3
5–9
3
15
10–14
18
9
15–19
10
2
20–24
3
20
25–34
24
32
35–44
39
55
45–54
66
72
55–59
85
50
60–64
60
88
65–74
105
26
75–84
32
16
85+
20
← Male
Female →

Age summary

GroupCount%
Under 18576.6%
18 and over80293.4%
65 and over28733.4%
Median age59.3 years

Race & ethnicity

White 91.1%
Two or more races 5.3%
Hispanic or Latino 3.4%
Other race 0.2%
GroupCount%
White81091.1%
Two or more races475.3%
Hispanic or Latino303.4%
Other race20.2%

Household income

Income range This ZIP County avg State avg
Under $50k 29.8% 32.3% 42.3%
$50k – $100k 24.6% 31.4% 32.3%
$100k – $200k 30.8% 27.4% 20.6%
Over $200k 14.8% 8.9% 4.9%
Under $10k 11.7%
$10k–$15k 3.0%
$15k–$25k 5.3%
$25k–$35k 6.2%
$35k–$50k 5.5%
$50k–$75k 11.9%
$75k–$100k 16.6%
$100k–$150k 15.7%
$150k–$200k 5.1%
$200k+ 19.1%
Range% of households
Under $10k11.7%
$10k–$15k3.0%
$15k–$25k5.3%
$25k–$35k6.2%
$35k–$50k5.5%
$50k–$75k11.9%
$75k–$100k16.6%
$100k–$150k15.7%
$150k–$200k5.1%
$200k+19.1%
Median income$90,893

Housing

Home values

$50k–$100k 3.3%
$150k–$200k 7.3%
$200k–$300k 10.0%
$300k–$500k 47.1%
$500k–$1M 22.6%
$1M+ 9.8%

Housing overview

MetricValue
Median home value$418,000
Median rent / month$1,543
Owner occupied84.7%
Renter occupied15.3%
Vacant56.5%
Single-family detached93.2%
Large apartment buildings0.0%
Mobile homes0.0%
Median rooms5.7
Avg household size (owned)1.93

Year built

Era%
2020 or later0.0%
2010–20191.7%
2000–20095.3%
1990–19991.6%
1980–19897.6%
1970–19792.5%
1960–19691.7%
1950–19590.5%
1940–19491.8%
1939 or earlier77.5%

Bedrooms

Size% of units
No bedroom (studio)2.4%
1 bedroom9.4%
2 bedrooms32.6%
3 bedrooms33.9%
4 bedrooms18.0%
5+ bedrooms3.8%

Vehicles per household

Vehicles% of households
No vehicle19.7%
1 vehicle54.1%
2 vehicles20.6%
3 or more5.5%

Heating fuel

Fuel type%
Utility gas0.8%
Electricity20.8%
Propane / LP gas21.2%
Fuel oil39.3%
Wood11.7%

Households & families

Household typeCount%
Married-couple family20643.7%
Cohabiting couple275.7%
Male householder, no spouse6614.0%
Female householder, no spouse17236.5%
Households with children under 18347.2%
Households with seniors (65+)22948.6%
Average household size1.80

Marital status

StatusMaleFemale
Never married30.4%17.8%
Married55.9%54.6%
Separated0.0%1.1%
Widowed3.3%10.9%
Divorced10.4%15.6%

Education

Less than 9th grade 3.2%
Some HS, no diploma 1.6%
HS graduate 11.1%
Some college, no degree 14.1%
Associate's degree 4.4%
Bachelor's degree 33.4%
Graduate / professional 32.2%
Metric%
HS diploma or higher95.2%
Bachelor's or higher65.6%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool00.0%
Kindergarten00.0%
Elementary school3464.2%
High school1222.6%
College / grad school713.2%

Employment

Industry of employment

Education & healthcare 25.8%
Professional & management 20.5%
Retail trade 11.4%
Other services 10.2%
Arts, food & hospitality 8.9%
Finance & real estate 7.5%
Agriculture & mining 4.9%
Manufacturing 3.0%
Transportation & utilities 2.8%
Construction 2.2%
Information 1.6%
Wholesale trade 1.0%

Occupation

Category%
Management, business & arts52.6%
Service10.6%
Sales & office20.9%
Natural resources & construction7.1%
Production & transportation8.7%

Employment type

Type%
Private sector81.5%
Government9.6%
Self-employed8.9%
Unpaid family workers0.0%

Commute

Method%
Drive alone25.2%
Carpool3.7%
Public transit20.6%
Walk10.7%
Work from home31.5%
Other means8.2%
Avg commute (minutes)29.1

Poverty

All people 18.0%
Under 18 years 7.0%
18 and over 18.8%
Married-couple families 6.3%
Female-led households 67.4%

Income support

Source% of households
Social Security51.2%
Retirement income34.8%
Supplemental Security0.0%
Cash public assistance1.5%
Food stamps / SNAP4.5%

Health indicators

Condition%
Obesity25.2%
High blood pressure32.3%
High cholesterol33.5%
Diabetes8.8%
Heart disease6.2%
Stroke2.6%
Asthma9.5%
Arthritis25.9%
Kidney disease2.8%
Pulmonary disease5.9%
Cancer8.8%
Behavior / access%
Smoking9.1%
Binge drinking14.0%
No physical activity15.4%
Less than 7 hrs sleep26.0%
Depression21.4%
Fair or poor health8.6%
Poor mental health10.5%
Poor physical health7.6%
No health insurance7.0%
Visited doctor (checkup)80.4%
Visited dentist79.1%
Cholesterol screening94.0%
Teeth loss6.9%

Veterans & disability

VeteransCount%
Civilian veterans546.7%
Disability%
Any disability18.4%
Under 180.0%
18–64 years11.7%
65 and over34.1%

Health insurance coverage

Type%
Private insurance63.7%
Public insurance46.3%
No insurance10.5%
Uninsured under 1912.3%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only85399.3%
Spanish20.2%
Other Indo-European20.2%
Asian & Pacific Islander00.0%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)81995.3%
Born in same state81394.6%
Born in different state22626.3%
Foreign born60.7%
Naturalized citizen404.7%
Not a US citizen40100.0%

Ancestry

AncestryCount%
French21324.8%
Italian18621.7%
Polish242.8%
German232.7%
AncestryCount%
Dutch172%
Arab60.7%
English40.5%

Technology access

Metric% of households
Computer access54.8%
Internet access96.4%

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

Frequently asked questions about ZIP code 04108

What city is ZIP code 04108 in?

ZIP code 04108 is primarily assigned to Peaks Island, Maine.

What county is ZIP code 04108 in?

ZIP code 04108 falls within Cumberland County, Maine.

How educated is the population of ZIP code 04108?

66% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 04108 have an older population?

33% of residents in ZIP code 04108 are 65 or older, above the national average of ~17%.

Does ZIP code 04108 have a large retiree population?

51% of households in ZIP code 04108 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 04108 mostly owner-occupied?

85% of occupied units in ZIP code 04108 are owner-occupied, well above the national average.

What timezone is ZIP code 04108 in?

ZIP code 04108 observes the EST timezone.

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