3-digit ZIP regional index
Home appreciation in ZIP codes 041xxPortland, ME area
FHFA HPI® data shows the regional home price index for ZIP codes beginning with 041 changed +5.2% over the year to Q2 2026, compared with +3.2% for Maine and +3.0% for the United States.
The region covers ZIP codes 04101–04110. Most of its 2010 population lived in Cumberland County (100%). Communities in the region include South Portland, Falmouth, Falmouth Foreside. This is a regional index, not a ZIP5, street, or individual-home estimate.
- 1-year change
- +5.2%
- 5-year change
- +56.7%
- Since Q1 1995
- +497%
- National rank (1 year)
- 251st
Year to Q2 2026
vs U.S. +41.3%
vs U.S. +292%
of 882 ZIP3 regions
ZIP3 041 vs Maine and the U.S.
FHFA HPI® all-transactions index, rebased so Q1 1995 = 100, through Q2 2026
- ZIP3 041: 596.8
- Maine: 477.7
- Portland-South Portland, ME metro: 519.0
- United States: 391.6
Want a different starting year? Rebase this chart or compare with another ZIP3.
Appreciation by time window
| Window | ZIP3 041 | ME | U.S. | Gap vs ME | Gap vs U.S. |
|---|---|---|---|---|---|
| 1 year | +5.2% | +3.2% | +3.0% | +1.9 pts | +2.1 pts |
| 3 years | +14.2% | +17.0% | +12.9% | −2.7 pts | +1.4 pts |
| 5 years | +56.7% | +56.4% | +41.3% | +0.3 pts | +15.4 pts |
| 10 years | +133% | +123% | +93.3% | +10.1 pts | +39.6 pts |
| Since Q1 1995 | +497% | +378% | +292% | +119.1 pts | +205.3 pts |
If you bought in ZIP3 041 in…
Applying the regional index change from the same quarter of each year to Q2 2026 to an example $300,000 purchase price. Individual homes can differ widely from the regional average.
| Bought in | Index change | $300,000 then, at the regional rate |
|---|---|---|
| Q2 1995 | +495% | $1,783,800 |
| Q2 2000 | +337% | $1,309,825 |
| Q2 2005 | +155% | $764,736 |
| Q2 2010 | +169% | $806,014 |
| Q2 2015 | +145% | $733,620 |
| Q2 2020 | +84.1% | $552,218 |
| Q2 2021 | +56.7% | $470,119 |
| Q2 2023 | +14.2% | $342,673 |
| Q2 2025 | +5.1% | $315,445 |
How ZIP3 041 ranks
Over the past year ZIP3 041 ranks 251st of 882 3-digit ZIP regions nationally and 1st of 11 in Maine. Its one-year change is +2.1 pts versus the nation and +1.9 pts versus Maine. Rank 1 is the strongest appreciation.
| Window | National rank | Rank in Maine |
|---|---|---|
| 1 year | 251st of 882 | 1st of 11 |
| 3 years | 512th of 882 | 11th of 11 |
| 5 years | 89th of 882 | 9th of 11 |
| 10 years | 23rd of 882 | 1st of 11 |
| Since Q1 1995 | 18th of 879 | 1st of 11 |
Boom, bust, and recovery in ZIP3 041
ZIP3 041's index peaked in Q4 2007, fell 10.7% to its low in Q2 2011, and regained its peak in Q3 2015, about 7.8 years after the top. Today it sits +143% versus that 2000s peak. How every state and ZIP region fared
| Area | 2000s peak | Low point | Peak to low | Back to peak | Today vs peak |
|---|---|---|---|---|---|
| ZIP3 041 | Q4 2007 | Q2 2011 | -10.7% | Q3 2015 (7.8 yrs) | +143% |
| ME | Q1 2008 | Q2 2012 | -13.1% | Q3 2017 (9.5 yrs) | +109% |
| Metro | Q1 2007 | Q2 2012 | -13.2% | Q1 2017 (10 yrs) | +117% |
| U.S. | Q1 2007 | Q2 2012 | -19.0% | Q4 2016 (9.8 yrs) | +89.3% |
Appreciation after inflation
Adjusting for consumer price inflation, ZIP3 041's index has changed +170% in real terms since Q1 1995. Home prices vs inflation
| Window | Inflation (CPI-U) | ZIP3 041 after inflation | ME after inflation | Metro after inflation | U.S. after inflation |
|---|---|---|---|---|---|
| 1 year | +3.9% | +1.2% | -0.6% | +0.6% | -0.8% |
| 3 years | +9.8% | +4.0% | +6.5% | +7.4% | +2.8% |
| 5 years | +24.0% | +26.4% | +26.1% | +25.7% | +13.9% |
| 10 years | +39.1% | +67.5% | +60.2% | +61.7% | +39.0% |
| Since Q1 1995 | +121% | +170% | +116% | +134% | +76.8% |
Estimate appreciation for a home in ZIP3 041
Regional estimate
$698,856
- Estimated gain
- $398,856
- Index change
- +133%
- Start index
- 256.19
- End index
- 596.80
ZIP3 041 (Portland, ME area), Q2 2016 to Q2 2026. Index type: Native 3-Digit ZIP index.
Nearby 3-digit ZIP regions
| 3-digit ZIP region | State | 1 year | 5 years | Since Q1 1995 |
|---|---|---|---|---|
| 040 · Biddeford, ME area | ME | +4.5% | +55.8% | +387% |
| 042 · Lewiston, ME area | ME | +3.3% | +57.0% | +312% |
| 045 · Bath, ME area | ME | +2.3% | +59.5% | +302% |
| 039 · Kittery, ME area | ME | -0.3% | +51.6% | +431% |
| 038 · Dover, NH area | NH | +3.4% | +54.4% | +419% |
| 043 · Augusta, ME area | ME | +2.3% | +59.5% | +302% |
Recent quarterly index values
| Period | Index |
|---|---|
| Q2 2026 | 596.80 |
| Q1 2026 | 570.77 |
| Q4 2025 | 571.92 |
| Q3 2025 | 575.97 |
| Q2 2025 | 567.58 |
| Q1 2025 | 565.32 |
| Q4 2024 | 540.93 |
| Q3 2024 | 544.78 |
| Q2 2024 | 550.74 |
| Q1 2024 | 522.61 |
| Q4 2023 | 507.48 |
| Q3 2023 | 531.23 |
Frequently asked questions
- How much have home prices risen in ZIP codes starting with 041?
- Based on FHFA HPI® data for 3-digit ZIP region 041, the regional index changed +5.2% over the year to Q2 2026, +56.7% over five years, +133% over ten years, and +497% since Q1 1995.
- Is ZIP3 041 appreciating faster than Maine and the U.S.?
- Over the past year the region's index +5.2% compares with +3.2% for Maine and +3.0% for the U.S., a gap of +2.1 pts versus the nation. Over five years the gap versus the nation is +15.4 pts.
- Which ZIP codes are in 3-digit ZIP region 041?
- All ZIP codes that begin with 041. Census 2010 ZIP Code Tabulation Areas in this region run from 04101 to 04110 (9 areas). FHFA publishes one index for the whole 3-digit region, not for each 5-digit ZIP code.
- Can I use this to value my home?
- No. The FHFA HPI® is a broad regional index of average price movement. It is not an appraisal, tax assessment, or automated valuation of any individual property. Use it as general context alongside local sales and a professional opinion.