Median home value in zip code 04345 (Gardiner, ME) is $302,263, up 0.8% year over year. Part of the Augusta-Waterville, ME metropolitan area.

Home Value$302,263

YoY Change

+0.8%

Prices rising — worse for buyers.

Affordability

Enter your income for 04345 (Gardiner).

Income (annual)

Down Payment

$60,453 on $302,263

Example: $75,000 household income. Change it above to see your own.

Stretch31.5% of income

Above 28% but manageable with cuts.

PITI$1,971

P/I31.5%

Afford$268K

Gap-$34K

P&I $1,528Tax $343Ins $100

6.50% 30yr, 20% down, county tax + ME ins. 28% per HUD.

Home Buying Kit For Dummies (2025)Financing, negotiation, closing

Metro Analysis

04345 is part of the Augusta-Waterville, ME metropolitan area. See full stress scores, crash risk, early warning signals, and 12-month price forecast for the metro.

View Augusta-Waterville, ME analysis

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