04987 ZIP Code — Troy, ME

Waldo County, Maine

ZIP code 04987 is located in Troy, Maine, within Waldo County. It covers approximately 34.92 square miles and serves a population of 962 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 207.

About ZIP code 04987

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $162,500. Owner-occupancy is high at 93%, well above the national average.

Median household income is $45,800. Poverty affects 19% of residents, above the national average. 45% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with education and healthcare as the leading industry. An above-average commute of 37 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 27% of residents holding a bachelor's degree or higher.

Health indicators show elevated rates of smoking (22%) compared to national benchmarks. 15% of residents lack health insurance, above the national average.

Notable community characteristics include a notable veteran presence at 13% of civilians, above the national average of 7%.

Overall, ZIP code 04987 reflects a community defined by economic challenges above the national average, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

962

population

34.92

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

04987 ZIP code map

Cities in ZIP code 04987

Below are the cities the US Postal Service accepts for ZIP code 04987. Using any city not on this list may result in mail delivery delays.

City	Status
Troy	Preferred

Nearby ZIP codes

04932 Dixmont (6.2 mi) 04988 Unity (6.3 mi) 04929 Detroit (6.8 mi) 04922 Burnham (6.9 mi) 04986 Thorndike (6.9 mi) 04969 Plymouth (7.1 mi) 04921 Brooks (8.6 mi) 04434 Etna (9.7 mi) 04967 Pittsfield (11.3 mi) 04951 Monroe (11.7 mi) 04927 Clinton (12.8 mi) 04953 Newport (13 mi)

Demographics updated 05/2026

Population
Total population	962
Population density	28 / sq mi
State FIPS	23
County FIPS	027

Geography
Land area	34.92 sq mi
Water area	1.00 sq mi
Latitude	44.6728
Longitude	-69.2555
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	52.9%	43.2%	42.3%
$50k – $100k	35.8%	35.6%	32.3%
$100k – $200k	8.9%	17.8%	20.6%
Over $200k	2.4%	3.4%	4.9%

Demographics & statistics

962

Population

People per sq mi

47.8

Median age

$45,800

Median household income

$30,069

Per capita income

$162,500

Median home value

$1,305

Median monthly rent

93.3%

Home ownership

18.6%

Poverty rate

6.1%

Unemployment

480

Housing units

27.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	176	18.3%
18 and over	786	81.7%
65 and over	227	23.6%
Median age	47.8 years

Race & ethnicity

White 91.8%

Two or more races 4.4%

Hispanic or Latino 2.7%

Other race 1%

Group	Count	%
White	908	91.8%
Two or more races	44	4.4%
Hispanic or Latino	27	2.7%
Other race	10	1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	52.9%	43.2%	42.3%
$50k – $100k	35.8%	35.6%	32.3%
$100k – $200k	8.9%	17.8%	20.6%
Over $200k	2.4%	3.4%	4.9%

Under $10k 7.4%

$10k–$15k 2.1%

$15k–$25k 19.7%

$25k–$35k 9.5%

$35k–$50k 15.3%

$50k–$75k 20.8%

$75k–$100k 10.9%

$100k–$150k 10.4%

$150k–$200k 1.6%

$200k+ 2.3%

Range	% of households
Under $10k	7.4%
$10k–$15k	2.1%
$15k–$25k	19.7%
$25k–$35k	9.5%
$35k–$50k	15.3%
$50k–$75k	20.8%
$75k–$100k	10.9%
$100k–$150k	10.4%
$150k–$200k	1.6%
$200k+	2.3%
Median income	$45,800

Housing

Home values

Under $50k 9.2%

$50k–$100k 8.9%

$100k–$150k 24.8%

$150k–$200k 29.8%

$200k–$300k 18.1%

$300k–$500k 6.5%

$500k–$1M 2.7%

Housing overview

Metric	Value
Median home value	$162,500
Median rent / month	$1,305
Owner occupied	93.3%
Renter occupied	6.7%
Vacant	15.1%
Single-family detached	79.6%
Large apartment buildings	0.0%
Mobile homes	20.4%
Median rooms	5.4
Avg household size (owned)	2.17

Year built

Era	%
2020 or later	0.0%
2010–2019	7.1%
2000–2009	15.5%
1990–1999	22.4%
1980–1989	23.0%
1970–1979	15.5%
1960–1969	1.4%
1950–1959	2.8%
1940–1949	0.8%
1939 or earlier	11.6%

Bedrooms

Size	% of units
No bedroom (studio)	1.0%
1 bedroom	15.1%
2 bedrooms	27.3%
3 bedrooms	39.5%
4 bedrooms	13.9%
5+ bedrooms	3.1%

Vehicles per household

Vehicles	% of households
No vehicle	0.2%
1 vehicle	38.0%
2 vehicles	41.7%
3 or more	20.1%

Heating fuel

Fuel type	%
Electricity	7.4%
Propane / LP gas	8.8%
Fuel oil	59.0%
Wood	24.8%

Households & families

Household type	Count	%
Married-couple family	194	44.9%
Cohabiting couple	90	20.8%
Male householder, no spouse	63	14.6%
Female householder, no spouse	85	19.7%
Households with children under 18	101	23.4%
Households with seniors (65+)	179	41.4%
Average household size	2.23

Marital status

Status	Male	Female
Never married	24.9%	24.3%
Married	54.5%	48.3%
Separated	0.0%	0.0%
Widowed	2.1%	18.4%
Divorced	18.4%	9.0%

Education

Less than 9th grade 1.7%

Some HS, no diploma 6.1%

HS graduate 31.9%

Some college, no degree 24.7%

Associate's degree 8.5%

Bachelor's degree 19.0%

Graduate / professional 8.1%

Metric	%
HS diploma or higher	92.2%
Bachelor's or higher	27.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	13	8.3%
Kindergarten	3	1.9%
Elementary school	88	56.4%
High school	15	9.6%
College / grad school	37	23.7%

Employment

Industry of employment

Education & healthcare 18.5%

Professional & management 13.5%

Information 9.0%

Transportation & utilities 8.5%

Finance & real estate 8.5%

Wholesale trade 7.5%

Retail trade 6.5%

Construction 6.2%

Public administration 5.5%

Agriculture & mining 4.7%

Arts, food & hospitality 4.5%

Other services 4.2%

Manufacturing 3.0%

Occupation

Category	%
Management, business & arts	31.4%
Service	13.7%
Sales & office	33.9%
Natural resources & construction	12.0%
Production & transportation	9.0%

Employment type

Type	%
Private sector	70.3%
Government	12.2%
Self-employed	13.5%
Unpaid family workers	4.0%

Commute

Method	%
Drive alone	67.3%
Carpool	9.4%
Public transit	0.0%
Walk	1.0%
Work from home	19.4%
Other means	2.8%
Avg commute (minutes)	37.0

Poverty

All people 18.6%

Under 18 years 13.3%

18 and over 19.7%

Married-couple families 16.5%

Female-led households 20.7%

Income support

Source	% of households
Social Security	45.1%
Retirement income	29.9%
Supplemental Security	7.4%
Cash public assistance	3.9%
Food stamps / SNAP	7.4%

Health indicators

Condition	%
Obesity	34.7%
High blood pressure	36.5%
High cholesterol	33.6%
Diabetes	11.0%
Heart disease	8.6%
Stroke	4.0%
Asthma	11.7%
Arthritis	30.5%
Kidney disease	3.6%
Pulmonary disease	11.1%
Cancer	7.4%

Behavior / access	%
Smoking	22.4%
Binge drinking	14.9%
No physical activity	25.6%
Less than 7 hrs sleep	34.9%
Depression	23.4%
Fair or poor health	16.9%
Poor mental health	15.6%
Poor physical health	12.5%
No health insurance	15.1%
Visited doctor (checkup)	75.1%
Visited dentist	55.5%
Cholesterol screening	87.4%
Teeth loss	24.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	98	12.5%

Disability	%
Any disability	12.9%
Under 18	5.1%
18–64 years	5.0%
65 and over	38.3%

Health insurance coverage

Type	%
Private insurance	61.7%
Public insurance	41.4%
No insurance	15.2%
Uninsured under 19	17.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	933	97.0%
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)	948	98.5%
Born in same state	930	96.7%
Born in different state	487	50.6%
Foreign born	18	1.9%
Naturalized citizen	14	1.5%
Not a US citizen	11	78.6%

Ancestry

Ancestry	Count	%
French	165	17.2%
Arab	134	13.9%
Italian	114	11.9%
German	35	3.6%

Ancestry	Count	%
Irish	11	1.1%
Norwegian	4	0.4%
Dutch	2	0.2%

Technology access

Metric	% of households
Computer access	44.9%
Internet access	86.6%

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

Frequently asked questions about ZIP code 04987

What city is ZIP code 04987 in?

ZIP code 04987 is primarily assigned to Troy, Maine.

What county is ZIP code 04987 in?

ZIP code 04987 falls within Waldo County, Maine.

Is ZIP code 04987 mostly owner-occupied?

93% of occupied units in ZIP code 04987 are owner-occupied, well above the national average.

Does ZIP code 04987 have a large retiree population?

45% of households in ZIP code 04987 receive Social Security income, suggesting a significant retiree or disability population.

What is the poverty rate in ZIP code 04987?

19% of residents in ZIP code 04987 live below the poverty line, above the national average.

Does ZIP code 04987 have a large veteran population?

13% of civilians in ZIP code 04987 are veterans, above the national average of ~7%.

What timezone is ZIP code 04987 in?

ZIP code 04987 observes the EST timezone.