04086 ZIP Code — Topsham, ME

Sagadahoc County, Maine

ZIP code 04086 is located in Topsham, Maine, within Sagadahoc County. It covers approximately 32.18 square miles and serves a population of 9,566 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 207.

About ZIP code 04086

The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $293,300. Owner-occupancy is high at 76%, well above the national average.

Median household income is $75,978. 35% 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 23 minutes is near the national average.

Educational attainment is near the national average, with 42% of residents holding a bachelor's degree or higher.

Overall, ZIP code 04086 reflects a community defined by high homeownership and a significant Social Security-dependent population.

9,566

population

32.18

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

04086 ZIP code map

Cities in ZIP code 04086

Below are the cities the US Postal Service accepts for ZIP code 04086. Using any city not on this list may result in mail delivery delays.

City	Status
Topsham	Acceptable
Topsham	Preferred

Nearby ZIP codes

04011 Brunswick (5.6 mi) 04287 Bowdoin (5.8 mi) 04252 Lisbon Falls (6.1 mi) 04008 Bowdoinham (6.5 mi) 04250 Lisbon (8.8 mi) 04579 Woolwich (9.4 mi) 04032 Freeport (10.1 mi) 04530 Bath (10.7 mi) 04033 Freeport (10.9 mi) 04034 Freeport (10.9 mi) 04280 Sabattus (12 mi) 04357 Richmond (12.2 mi)

Demographics updated 05/2026

Population
Total population	9,566
Population density	297 / sq mi
State FIPS	23
County FIPS	023

Geography
Land area	32.18 sq mi
Water area	3.41 sq mi
Latitude	43.9741
Longitude	-69.9582
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	30.0%	36.9%	42.3%
$50k – $100k	44.2%	36.7%	32.3%
$100k – $200k	20.8%	23.2%	20.6%
Over $200k	5.0%	3.2%	4.9%

Demographics & statistics

9,566

Population

297

People per sq mi

47.4

Median age

$75,978

Median household income

$43,270

Per capita income

$293,300

Median home value

$1,174

Median monthly rent

76.2%

Home ownership

10.3%

Poverty rate

3.6%

Unemployment

3,478

Housing units

41.7%

Bachelor's or higher

Age distribution

Male Female

182

Under 5

206

162

5–9

183

266

10–14

300

325

15–19

367

122

20–24

137

661

25–34

746

448

35–44

507

615

45–54

695

354

55–59

400

285

60–64

321

483

65–74

546

423

75–84

477

167

85+

188

← Male

Female →

Age summary

Group	Count	%
Under 18	1,783	18.6%
18 and over	7,783	81.4%
65 and over	2,284	23.9%
Median age	47.4 years

Race & ethnicity

White 88.3%

Two or more races 4.5%

Hispanic or Latino 3.5%

Other race 1.6%

Asian 1%

Black or African American 0.7%

American Indian / Alaska Native 0.4%

Group	Count	%
White	8,751	88.3%
Two or more races	449	4.5%
Hispanic or Latino	345	3.5%
Other race	157	1.6%
Asian	95	1%
Black or African American	73	0.7%
American Indian / Alaska Native	41	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	30.0%	36.9%	42.3%
$50k – $100k	44.2%	36.7%	32.3%
$100k – $200k	20.8%	23.2%	20.6%
Over $200k	5.0%	3.2%	4.9%

Under $10k 4.1%

$10k–$15k 4.2%

$15k–$25k 5.8%

$25k–$35k 8.0%

$35k–$50k 9.9%

$50k–$75k 17.3%

$75k–$100k 16.0%

$100k–$150k 20.4%

$150k–$200k 6.3%

$200k+ 8.1%

Range	% of households
Under $10k	4.1%
$10k–$15k	4.2%
$15k–$25k	5.8%
$25k–$35k	8.0%
$35k–$50k	9.9%
$50k–$75k	17.3%
$75k–$100k	16.0%
$100k–$150k	20.4%
$150k–$200k	6.3%
$200k+	8.1%
Median income	$75,978

Housing

Home values

Under $50k 2.4%

$50k–$100k 1.5%

$100k–$150k 3.2%

$150k–$200k 12.4%

$200k–$300k 32.2%

$300k–$500k 39.6%

$500k–$1M 8.2%

$1M+ 0.5%

Housing overview

Metric	Value
Median home value	$293,300
Median rent / month	$1,174
Owner occupied	76.2%
Renter occupied	23.8%
Vacant	6.5%
Single-family detached	69.7%
Large apartment buildings	4.8%
Mobile homes	8.5%
Median rooms	5.7
Avg household size (owned)	2.35

Year built

Era	%
2020 or later	0.4%
2010–2019	8.8%
2000–2009	15.9%
1990–1999	10.2%
1980–1989	16.7%
1970–1979	15.8%
1960–1969	5.2%
1950–1959	8.3%
1940–1949	3.8%
1939 or earlier	14.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.5%
1 bedroom	8.6%
2 bedrooms	34.3%
3 bedrooms	38.0%
4 bedrooms	16.5%
5+ bedrooms	2.1%

Vehicles per household

Vehicles	% of households
No vehicle	6.5%
1 vehicle	32.6%
2 vehicles	42.0%
3 or more	18.9%

Heating fuel

Fuel type	%
Utility gas	16.2%
Electricity	5.6%
Propane / LP gas	13.7%
Fuel oil	53.1%
Wood	6.3%
Solar	0.2%

Households & families

Household type	Count	%
Married-couple family	2,115	50.6%
Cohabiting couple	389	9.3%
Male householder, no spouse	616	14.7%
Female householder, no spouse	1,061	25.4%
Households with children under 18	1,024	24.5%
Households with seniors (65+)	1,559	37.3%
Average household size	2.27

Marital status

Status	Male	Female
Never married	28.2%	25.5%
Married	60.9%	47.8%
Separated	0.0%	1.1%
Widowed	2.7%	9.6%
Divorced	8.2%	16.1%

Education

Less than 9th grade 1.7%

Some HS, no diploma 2.9%

HS graduate 28.1%

Some college, no degree 15.0%

Associate's degree 10.6%

Bachelor's degree 23.1%

Graduate / professional 18.6%

Metric	%
HS diploma or higher	95.4%
Bachelor's or higher	41.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	169	8.5%
Kindergarten	24	1.2%
Elementary school	776	38.9%
High school	553	27.7%
College / grad school	472	23.7%

Employment

Industry of employment

Education & healthcare 22.4%

Retail trade 13.8%

Arts, food & hospitality 12.3%

Manufacturing 10.8%

Professional & management 8.9%

Other services 7.8%

Construction 6.8%

Finance & real estate 5.9%

Public administration 5.9%

Transportation & utilities 2.5%

Wholesale trade 1.7%

Information 1.1%

Agriculture & mining 0.1%

Occupation

Category	%
Management, business & arts	38.4%
Service	19.9%
Sales & office	23.8%
Natural resources & construction	10.6%
Production & transportation	7.2%

Employment type

Type	%
Private sector	75.0%
Government	15.5%
Self-employed	9.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	74.6%
Carpool	11.6%
Public transit	0.5%
Walk	1.4%
Work from home	9.5%
Other means	2.5%
Avg commute (minutes)	22.6

Poverty

All people 10.3%

Under 18 years 14.0%

18 and over 9.5%

Married-couple families 4.3%

Female-led households 20.4%

Income support

Source	% of households
Social Security	35.1%
Retirement income	30.9%
Supplemental Security	3.9%
Cash public assistance	1.4%
Food stamps / SNAP	9.3%

Health indicators

Condition	%
Obesity	30.1%
High blood pressure	33.0%
High cholesterol	32.3%
Diabetes	8.8%
Heart disease	6.6%
Stroke	2.8%
Asthma	10.1%
Arthritis	26.2%
Kidney disease	2.8%
Pulmonary disease	6.9%
Cancer	8.0%

Behavior / access	%
Smoking	14.5%
Binge drinking	14.8%
No physical activity	17.2%
Less than 7 hrs sleep	31.0%
Depression	22.1%
Fair or poor health	10.6%
Poor mental health	12.2%
Poor physical health	8.3%
No health insurance	10.5%
Visited doctor (checkup)	78.7%
Visited dentist	71.0%
Cholesterol screening	91.4%
Teeth loss	12.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	854	11.0%

Disability	%
Any disability	13.6%
Under 18	8.5%
18–64 years	6.1%
65 and over	36.2%

Health insurance coverage

Type	%
Private insurance	74.7%
Public insurance	34.7%
No insurance	5.6%
Uninsured under 19	1.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	9,178	95.9%
Spanish	96	1.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	42	0.5%
Other languages	54	0.6%

Place of birth & citizenship

Origin	Count	%
Native born (US)	9,193	96.1%
Born in same state	9,031	94.4%
Born in different state	5,463	57.1%
Foreign born	162	1.7%
Naturalized citizen	373	3.9%
Not a US citizen	273	73.2%

Ancestry

Ancestry	Count	%
Italian	1,788	18.7%
French	1,617	16.9%
German	742	7.8%
Arab	716	7.5%

Ancestry	Count	%
English	171	1.8%
Polish	104	1.1%
Dutch	20	0.2%
Irish	12	0.1%

Technology access

Metric	% of households
Computer access	43.7%
Internet access	90.1%

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

Frequently asked questions about ZIP code 04086

What city is ZIP code 04086 in?

ZIP code 04086 is primarily assigned to Topsham, Maine.

What county is ZIP code 04086 in?

ZIP code 04086 falls within Sagadahoc County, Maine.

Does ZIP code 04086 have a large veteran population?

11% of civilians in ZIP code 04086 are veterans, above the national average of ~7%.

Does ZIP code 04086 have a large retiree population?

35% of households in ZIP code 04086 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 04086?

ZIP code 04086 has an estimated population of 9,566 residents, with a density of 297 people per square mile.

What is the typical home value in ZIP code 04086?

The median home value in ZIP code 04086 is $293,300.

What timezone is ZIP code 04086 in?

ZIP code 04086 observes the EST timezone.