04088 ZIP Code — Waterford, ME

Oxford County, Maine

ZIP code 04088 is located in Waterford, Maine, within Oxford County. It covers approximately 49.79 square miles and serves a population of 1,127 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 207.

About ZIP code 04088

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 $224,700. Owner-occupancy is high at 91%, well above the national average.

Median household income is $57,813. 44% 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 23% of residents holding a bachelor's degree or higher.

Overall, ZIP code 04088 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,127

population

49.79

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

04088 ZIP code map

Cities in ZIP code 04088

Below are the cities the US Postal Service accepts for ZIP code 04088. Using any city not on this list may result in mail delivery delays.

City	Status
Waterford	Acceptable
Waterford	Preferred

Nearby ZIP codes

04051 Lovell (7.3 mi) 04268 Norway (7.4 mi) 04231 Stoneham (7.7 mi) 04040 Harrison (8.6 mi) 04255 Greenwood (9.2 mi) 04037 Fryeburg (11.2 mi) 04009 Bridgton (11.2 mi) 04289 West Paris (13.9 mi) 04270 Oxford (14 mi) 04281 South Paris (14 mi) 04022 Denmark (15 mi) 04217 Bethel (15.1 mi)

Demographics updated 05/2026

Population
Total population	1,127
Population density	23 / sq mi
State FIPS	23
County FIPS	017

Geography
Land area	49.79 sq mi
Water area	2.66 sq mi
Latitude	44.1964
Longitude	-70.7542
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	46.8%	50.1%	42.3%
$50k – $100k	29.2%	31.6%	32.3%
$100k – $200k	22.2%	16.1%	20.6%
Over $200k	1.8%	2.2%	4.9%

Demographics & statistics

1,127

Population

People per sq mi

53.5

Median age

$57,813

Median household income

$32,456

Per capita income

$224,700

Median home value

$765

Median monthly rent

91.1%

Home ownership

14.4%

Poverty rate

6.5%

Unemployment

904

Housing units

22.7%

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

118

65–74

107

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	123	10.9%
18 and over	1,004	89.1%
65 and over	330	29.3%
Median age	53.5 years

Race & ethnicity

White 93.2%

Hispanic or Latino 2.9%

Two or more races 2.9%

Black or African American 0.5%

Asian 0.4%

Group	Count	%
White	1,082	93.2%
Hispanic or Latino	34	2.9%
Two or more races	34	2.9%
Black or African American	6	0.5%
Asian	5	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	46.8%	50.1%	42.3%
$50k – $100k	29.2%	31.6%	32.3%
$100k – $200k	22.2%	16.1%	20.6%
Over $200k	1.8%	2.2%	4.9%

Under $10k 9.5%

$10k–$15k 4.1%

$15k–$25k 8.6%

$25k–$35k 12.1%

$35k–$50k 11.5%

$50k–$75k 14.8%

$75k–$100k 12.6%

$100k–$150k 16.9%

$150k–$200k 8.0%

$200k+ 1.9%

Range	% of households
Under $10k	9.5%
$10k–$15k	4.1%
$15k–$25k	8.6%
$25k–$35k	12.1%
$35k–$50k	11.5%
$50k–$75k	14.8%
$75k–$100k	12.6%
$100k–$150k	16.9%
$150k–$200k	8.0%
$200k+	1.9%
Median income	$57,813

Housing

Home values

Under $50k 5.1%

$50k–$100k 14.5%

$100k–$150k 9.2%

$150k–$200k 12.0%

$200k–$300k 36.3%

$300k–$500k 18.4%

$500k–$1M 3.8%

$1M+ 0.6%

Housing overview

Metric	Value
Median home value	$224,700
Median rent / month	$765
Owner occupied	91.1%
Renter occupied	8.9%
Vacant	45.9%
Single-family detached	81.3%
Large apartment buildings	0.3%
Mobile homes	14.0%
Median rooms	5.1
Avg household size (owned)	2.20

Year built

Era	%
2020 or later	0.0%
2010–2019	6.7%
2000–2009	22.2%
1990–1999	16.1%
1980–1989	14.6%
1970–1979	10.3%
1960–1969	6.5%
1950–1959	6.5%
1940–1949	2.4%
1939 or earlier	14.5%

Bedrooms

Size	% of units
No bedroom (studio)	1.3%
1 bedroom	12.5%
2 bedrooms	34.2%
3 bedrooms	36.9%
4 bedrooms	10.7%
5+ bedrooms	4.3%

Vehicles per household

Vehicles	% of households
No vehicle	3.7%
1 vehicle	29.4%
2 vehicles	38.1%
3 or more	28.8%

Heating fuel

Fuel type	%
Electricity	5.4%
Propane / LP gas	12.5%
Fuel oil	59.7%
Wood	18.7%
No fuel used	0.6%

Households & families

Household type	Count	%
Married-couple family	270	52.5%
Cohabiting couple	62	12.1%
Male householder, no spouse	71	13.8%
Female householder, no spouse	111	21.6%
Households with children under 18	84	16.3%
Households with seniors (65+)	219	42.6%
Average household size	2.19

Marital status

Status	Male	Female
Never married	32.3%	17.5%
Married	50.3%	57.3%
Separated	0.6%	0.0%
Widowed	1.8%	10.1%
Divorced	15.0%	15.1%

Education

Less than 9th grade 0.6%

Some HS, no diploma 7.1%

HS graduate 42.2%

Some college, no degree 18.0%

Associate's degree 9.4%

Bachelor's degree 12.4%

Graduate / professional 10.2%

Metric	%
HS diploma or higher	92.2%
Bachelor's or higher	22.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	5	3.4%
Kindergarten	0	0.0%
Elementary school	57	38.8%
High school	56	38.1%
College / grad school	29	19.7%

Employment

Industry of employment

Education & healthcare 29.1%

Construction 19.1%

Manufacturing 10.2%

Retail trade 8.3%

Professional & management 7.0%

Transportation & utilities 6.4%

Finance & real estate 6.0%

Arts, food & hospitality 6.0%

Other services 2.8%

Public administration 2.1%

Agriculture & mining 1.7%

Wholesale trade 1.3%

Occupation

Category	%
Management, business & arts	33.0%
Service	13.0%
Sales & office	19.8%
Natural resources & construction	19.6%
Production & transportation	14.5%

Employment type

Type	%
Private sector	79.4%
Government	10.2%
Self-employed	9.6%
Unpaid family workers	0.8%

Commute

Method	%
Drive alone	73.8%
Carpool	8.7%
Public transit	0.0%
Walk	0.6%
Work from home	15.2%
Other means	1.7%
Avg commute (minutes)	28.9

Poverty

All people 14.4%

Under 18 years 8.9%

18 and over 15.0%

Married-couple families 3.0%

Female-led households 61.3%

Income support

Source	% of households
Social Security	44.0%
Retirement income	24.9%
Supplemental Security	10.3%
Cash public assistance	3.3%
Food stamps / SNAP	10.7%

Health indicators

Condition	%
Obesity	33.8%
High blood pressure	33.3%
High cholesterol	33.8%
Diabetes	10.1%
Heart disease	7.4%
Stroke	3.4%
Asthma	11.6%
Arthritis	29.1%
Kidney disease	3.1%
Pulmonary disease	9.0%
Cancer	8.0%

Behavior / access	%
Smoking	18.6%
Binge drinking	15.6%
No physical activity	20.8%
Less than 7 hrs sleep	32.3%
Depression	23.0%
Fair or poor health	13.5%
Poor mental health	14.0%
Poor physical health	10.6%
No health insurance	12.3%
Visited doctor (checkup)	79.7%
Visited dentist	61.2%
Cholesterol screening	90.2%
Teeth loss	17.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	78	7.8%

Disability	%
Any disability	13.4%
Under 18	1.6%
18–64 years	15.1%
65 and over	14.2%

Health insurance coverage

Type	%
Private insurance	61.6%
Public insurance	44.4%
No insurance	9.4%
Uninsured under 19	4.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	1,112	98.7%
Spanish	6	0.5%
Other Indo-European	0	0.0%
Asian & Pacific Islander	3	0.3%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	1,114	98.8%
Born in same state	1,079	95.7%
Born in different state	600	53.2%
Foreign born	35	3.1%
Naturalized citizen	13	1.2%
Not a US citizen	8	61.5%

Ancestry

Ancestry	Count	%
French	284	25.2%
Italian	176	15.6%
Arab	135	12%
German	50	4.4%

Ancestry	Count	%
Polish	19	1.7%
English	18	1.6%
Irish	4	0.4%
Norwegian	3	0.3%

Technology access

Metric	% of households
Computer access	45.6%
Internet access	92.6%

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

Frequently asked questions about ZIP code 04088

What city is ZIP code 04088 in?

ZIP code 04088 is primarily assigned to Waterford, Maine.

What county is ZIP code 04088 in?

ZIP code 04088 falls within Oxford County, Maine.

Does ZIP code 04088 have an older population?

29% of residents in ZIP code 04088 are 65 or older, above the national average of ~17%.

Is ZIP code 04088 mostly owner-occupied?

91% of occupied units in ZIP code 04088 are owner-occupied, well above the national average.

Does ZIP code 04088 have a large retiree population?

44% of households in ZIP code 04088 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 04088?

ZIP code 04088 has an estimated population of 1,127 residents, with a density of 23 people per square mile.

What timezone is ZIP code 04088 in?

ZIP code 04088 observes the EST timezone.