Waterford ZIP Codes — Oxford County, ME

There is one unique ZIP code in Waterford, Maine and it is 04088. Area code: 207.

ZIP codes

49.79

sq mi land

2.66

sq mi water

207

area code

Waterford, ME ZIP code map

About Waterford, ME

Waterford, located in Oxford County, Maine, is a picturesque town known for its scenic beauty and rich history. This charming locality offers a peaceful retreat with a strong sense of community and a wealth of outdoor recreational opportunities. Visitors and residents alike appreciate the serene landscapes and the vibrant, small-town atmosphere that characterizes Waterford.

Location & geography

Waterford is situated in the western part of Maine, surrounded by rolling hills and stunning lakes. It is approximately 12 miles from Norway, 14 miles from Bridgton, 18 miles from Bethel, and 22 miles from Oxford, making it a convenient location for accessing various amenities and attractions. The town encompasses a land area of 49.79 square miles and includes 2.66 square miles of water, contributing to its natural charm and appeal.

Community & economy

The community in Waterford is characterized by its warm and welcoming atmosphere, where neighbors know each other and local events promote connection. Many residents are engaged in outdoor industries such as logging, agriculture, and tourism, taking advantage of the area's beautiful landscapes. Daily life in Waterford often involves enjoying nature through hiking, fishing, and seasonal activities, aligning with the town's focus on outdoor recreation.

Transportation

Transportation in Waterford is primarily facilitated by local roads, with Route 35 being a significant roadway that connects residents to other towns. The nearest major airport is the Portland International Jetport, located about 40 miles away, providing access to regional and national flights. Public transportation options are limited, emphasizing the importance of personal vehicles for travel and commuting.

History

Waterford was incorporated in 1804 and has a rich history tied to the agricultural and logging industries that thrived in the area. Over the years, the town has maintained its rural charm while adapting to changing economic conditions and attracting tourism. Notable events in the town’s history include the establishment of various local businesses and annual festivals that celebrate its heritage.

Did you know?

One surprising fact about Waterford is that it is home to the historic Waterford Flat, where the town's early settlers first established their community. Additionally, the town has several beautiful lakes, such as Lake Kezar, which are popular destinations for fishing and boating.

ZIP codes for Waterford, ME (1)

ZIP code	City	County	Map
04088	Waterford	Oxford	View map

Demographics & statistics

1,127

Population

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

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%
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	%
High blood pressure	33.3%
High cholesterol	33.8%
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	%
Binge drinking	15.6%
No physical activity	20.8%
Less than 7 hrs sleep	32.3%
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%
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

What ZIP codes does Waterford, ME have?

Waterford, ME has one ZIP code: 04088. Each ZIP code serves a distinct delivery area within the city and surrounding region.