ZIP Code 04103: Population, Income, Housing

State: ME

Total population: 32,024 Household income: $89,796 Rent: $1,620

Overview

Total population

32,024

Rent

$1,620

Year built

1960

Household income

$89,796

Per capita income

$52,395

Poverty rate

9.2%

Unemployment rate

N/A

Household size

2.3 persons

Rent over 30% of income

49.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State

Maine

County

Cumberland County

City

Portland

Total population

32,024

Adults over 25

23,352

Total households

13,657

Household size

2.3 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Income & Poverty

Household income

$89,796

Per capita income

$52,395

Poverty rate

9.2%

Unemployment rate

N/A

Rent over 30% of income

49.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Housing

Rent

$1,620

Year built

1960

Households that rent

38.5%

Households that own

61.5%

Rooms per home (all homes)

5.6

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Race

White

80.1%

Black

8.9%

Asian

4.2%

Two or more races

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Ethnicity

Hispanic or Latino

2.1%

Not Hispanic or Latino

97.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Commute

Commute rate

13,327 (75.7%)

Commute time to work

20 mins

Work from home

4,269 (24.3%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Education

Less than high school

16.7%

High school graduate or GED

15.2%

Some college or associate degree

9.1%

Bachelor’s degree or higher

59%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Comparison of ZIP Code 04103 with: Cumberland County, ME Portland, ME Portland metro area, ME Maine United States

ZIP 04103

Total population32,024

Rent$1,620

Year built1960

Household income$89,796

Per capita income$52,395

Poverty rate9.2%

Unemployment rateN/A

Cumberland County, ME

Total population308,827

Rent$1,589

Year built1976

Household income$95,677

Per capita income$55,739

Poverty rate7.3%

Unemployment rate2.9%

Portland, ME

Total population68,854

Rent$1,577

Year built1946

Household income$79,540

Per capita income$52,781

Poverty rate11.2%

Unemployment rate2.9%

Portland Metro Area, ME

Total population562,843

Rent$1,485

Year built1978

Household income$92,175

Per capita income$52,055

Poverty rate7.6%

Unemployment rate2.7%

Maine State

Total population1,387,817

Rent$1,139

Year built1977

Household income$74,733

Per capita income$43,742

Poverty rate10.7%

Unemployment rate3.1%

United States

Total population334,922,499

Rent$1,413

Year built1980

Household income$80,734

Per capita income$44,673

Poverty rate12.5%

Unemployment rate4%

Metric	ZIP04103	CountyCumberland, ME	CityPortland, ME	Metro AreaPortland metro area, ME	StateMaine	CountryUnited States
Total population	32,024	308,827	68,854	562,843	1,387,817	334,922,499
Rent	$1,620	$1,589	$1,577	$1,485	$1,139	$1,413
Year built	1960	1976	1946	1978	1977	1980
Household income	$89,796	$95,677	$79,540	$92,175	$74,733	$80,734
Per capita income	$52,395	$55,739	$52,781	$52,055	$43,742	$44,673
Poverty rate	9.2%	7.3%	11.2%	7.6%	10.7%	12.5%
Unemployment rate	N/A	2.9%	2.9%	2.7%	3.1%	4%

View the full multi-level comparison →

Summary for 04103

Rent & Income

In 04103, the typical monthly rent is $1,620 and the typical household income is $89,796. Rent here is similar to Portland and higher than Maine, and household income is higher than both Portland and Maine. The estimated poverty rate is 9.2%, which is lower than in both Portland and Maine.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 38.5% of households. About 49.8% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is very high, with about 59% of adults holding a bachelor’s degree or higher.

ZIP 04103 — Rent vs Household Income

ZIP 04103 — Poverty

💰 Rent in ZIP Code 04103 (with Utilities)

Estimated Monthly Rent: $1,620 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 04103

Annual Household Income: $89,796

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 04103

Estimated Rate: 9.2%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 04103

In ZIP Code 04103, households that rent: 5,258 (38.5%)

📊 What does the renter household percentage reveal about this ZIP Code?

Household Type	Count	Share
Renter-Occupied	5,258	38.5%
Owner-Occupied	8,399	61.5%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 04103

In ZIP Code 04103, cost-burdened renters (households spending over 30% of income on housing): 2,618 (49.8%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?

Household Group	Households	Share
Cost-burdened renters (over 30%)	2,618	49.8%
Other renter households	2,640	50.2%
Total renter households	5,258	100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 04103

Less than High School: 3,907 people (16.7%)

Includes adults who did not complete high school.

High School Graduate or GED: 3,543 people (15.2%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 2,126 people (9.1%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 13,776 people (59%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 23,352

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.