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Maine ZIP Codes
Hancock County
Swans Island, ME
04685
04685 ZIP Code — Swans Island, ME
Hancock County, Maine
ZIP code 04685 is located in
Swans Island ,
Maine ,
within Hancock County .
It covers approximately 15.99 square miles and serves a population of
417 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 207 .
About ZIP code 04685
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 $303,300. Owner-occupancy is high at 91%, well above the national average.
The gap between median ($78,000) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 4% is below the national average. 42% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is natural resources, construction, and trades, with agriculture and mining as the leading industry. The average commute of 11 minutes is near the national average.
Educational attainment is near the national average, with 34% of residents holding a bachelor's degree or higher.
17% of residents lack health insurance, above the national average.
Overall, ZIP code 04685 reflects a community defined by high homeownership and a significant Social Security-dependent population.
04685 ZIP code map
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Cities in ZIP code 04685
Below are the cities the US Postal Service accepts for ZIP code 04685. Using any city not on this list may result in mail delivery delays.
Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
417
Population density
26 / sq mi
State FIPS
23
County FIPS
009
Geography
Land area
15.99 sq mi
Water area
68.33 sq mi
Latitude
44.1598
Longitude
-68.4439
Timezone
Eastern (ET)
Area code
207
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
17.1%
42.0%
42.3%
$50k – $100k
59.9%
34.2%
32.3%
$100k – $200k
19.2%
18.8%
20.6%
Over $200k
3.8%
5.0%
4.9%
Demographics & statistics
$78,000
Median household income
$303,300
Median home value
33.7%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 47 11.3% 18 and over 370 88.7% 65 and over 106 25.4% Median age 58.3 years
Race & ethnicity
Group Count % White 367 87.6% Asian 33 7.9% Two or more races 17 4.1% Hispanic or Latino 2 0.5%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
17.1%
42.0%
42.3%
$50k – $100k
59.9%
34.2%
32.3%
$100k – $200k
19.2%
18.8%
20.6%
Over $200k
3.8%
5.0%
4.9%
Range % of households $10k–$15k 1.0% $15k–$25k 11.1% $25k–$35k 11.6% $35k–$50k 4.5% $50k–$75k 20.7% $75k–$100k 16.7% $100k–$150k 9.6% $150k–$200k 10.1% $200k+ 14.6% Median income $78,000
Housing
Housing overview
Metric Value Median home value $303,300 Median rent / month $0 Owner occupied 91.4% Renter occupied 8.6% Vacant 60.3% Single-family detached 93.2% Large apartment buildings 0.0% Mobile homes 5.8% Median rooms 5.6 Avg household size (owned) 2.14
Year built
Era % 2020 or later 0.0% 2010–2019 3.0% 2000–2009 11.4% 1990–1999 10.8% 1980–1989 18.2% 1970–1979 14.0% 1960–1969 4.4% 1950–1959 2.6% 1940–1949 2.0% 1939 or earlier 33.5%
Bedrooms
Size % of units No bedroom (studio) 2.6% 1 bedroom 15.8% 2 bedrooms 22.0% 3 bedrooms 48.9% 4 bedrooms 9.6% 5+ bedrooms 1.0%
Vehicles per household
Vehicles % of households No vehicle 1.0% 1 vehicle 32.3% 2 vehicles 29.8% 3 or more 36.9%
Heating fuel
Fuel type % Utility gas 1.0% Electricity 2.5% Propane / LP gas 9.1% Fuel oil 76.8% Wood 10.6%
Households & families
Household type Count % Married-couple family 116 58.6% Cohabiting couple 10 5.1% Male householder, no spouse 52 26.3% Female householder, no spouse 20 10.1% Households with children under 18 23 11.6% Households with seniors (65+) 74 37.4% Average household size 2.11
Marital status
Status Male Female Never married 28.9% 13.4% Married 58.7% 65.4% Separated 1.0% 9.5% Widowed 5.0% 2.8% Divorced 6.5% 8.9%
Education
Some college, no degree
8.5%
Graduate / professional
16.1%
Metric % HS diploma or higher 88.1% Bachelor's or higher 33.7%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 3 6.3% Kindergarten 4 8.3% Elementary school 23 47.9% High school 14 29.2% College / grad school 4 8.3%
Employment
Industry of employment
Agriculture & mining
51.0%
Professional & management
9.3%
Education & healthcare
7.3%
Transportation & utilities
5.3%
Finance & real estate
4.0%
Arts, food & hospitality
3.2%
Public administration
1.6%
Occupation
Category % Management, business & arts 27.9% Service 7.7% Sales & office 9.7% Natural resources & construction 48.6% Production & transportation 6.1%
Employment type
Type % Private sector 38.1% Government 9.7% Self-employed 49.8% Unpaid family workers 2.4%
Commute
Method % Drive alone 54.0% Carpool 25.2% Public transit 1.8% Walk 4.9% Work from home 11.1% Other means 3.1% Avg commute (minutes) 10.7
Poverty
Married-couple families
1.7%
Female-led households
0.0%
Income support
Source % of households Social Security 41.9% Retirement income 16.2% Supplemental Security 1.5% Cash public assistance 2.5% Food stamps / SNAP 1.0%
Health indicators
Condition % Obesity 29.6% High blood pressure 31.7% High cholesterol 34.3% Diabetes 8.5% Heart disease 7.1% Stroke 3.0% Asthma 10.0% Arthritis 26.6% Kidney disease 2.9% Pulmonary disease 7.9% Cancer 7.5%
Behavior / access % Smoking 16.8% Binge drinking 15.8% No physical activity 18.2% Less than 7 hrs sleep 30.6% Depression 21.5% Fair or poor health 12.2% Poor mental health 12.9% Poor physical health 9.7% No health insurance 12.0% Visited doctor (checkup) 75.6% Visited dentist 67.7% Cholesterol screening 90.1% Teeth loss 13.9%
Veterans & disability
Veterans Count % Civilian veterans 35 9.5%
Disability % Any disability 7.7% Under 18 0.0% 18–64 years 8.7% 65 and over 8.5%
Health insurance coverage
Type % Private insurance 70.0% Public insurance 33.8% No insurance 17.0% Uninsured under 19 17.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 407 97.6% Spanish 2 0.5% Other Indo-European 0 0.0% Asian & Pacific Islander 2 0.5% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 383 91.8% Born in same state 377 90.4% Born in different state 237 56.8% Foreign born 6 1.4% Naturalized citizen 34 8.2% Not a US citizen 28 82.4%
Ancestry
Ancestry Count % French 88 21.1% Italian 39 9.4% Arab 10 2.4% German 6 1.4%
Ancestry Count % English 6 1.4% Irish 4 1% Polish 2 0.5%
Technology access
Metric % of households Computer access 47.5% Internet access 85.4%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 04685
What city is ZIP code 04685 in?
ZIP code 04685 is primarily assigned to Swans Island, Maine.
What county is ZIP code 04685 in?
ZIP code 04685 falls within Hancock County, Maine.
Is ZIP code 04685 mostly owner-occupied?
91% of occupied units in ZIP code 04685 are owner-occupied, well above the national average.
Does ZIP code 04685 have an older population?
25% of residents in ZIP code 04685 are 65 or older, above the national average of ~17%.
Does ZIP code 04685 have a large retiree population?
42% of households in ZIP code 04685 receive Social Security income, suggesting a significant retiree or disability population.
Does ZIP code 04685 have a large veteran population?
10% of civilians in ZIP code 04685 are veterans, above the national average of ~7%.
What timezone is ZIP code 04685 in?
ZIP code 04685 observes the EST timezone.
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