Real Estate Investing in Bradley, Maine (04411)

Penobscot County • Population: 1,561 • Data updated: June 2026

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Should you buy in 04411 (Bradley, ME)? Our answer, based on the numbers below.

🏠 For Homebuyers
MIXED
Grade C (69/100)

Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.

📈 For Investors
MIXED
3.0 / 5 (52/100)

Rare combination of both appreciation and cash flow. These markets don't last long — worth serious consideration.

⚠️ Risks to Know
1 flag
  • High vacancy: 12.5% of homes vacant — above national norms.

What’s happening in Bradley, ME (04411)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

4.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $276,848
Avg Monthly Rent $1,494
1% Rule ✗ Does Not Meet
Median Income $85,469
% Renters 16.3%

Market Analysis: 04411 Bradley

This part of Penobscot County is not an easy win. The 04411 ZIP reports softness in key indicators, and the playbook that works in cleaner markets often stalls here.

The investment case in 04411 is substantial only for operators who understand what they are buying. A $277K median suggests accessibility, but management intensity, vacancy drift, and capex surprises are real.

ZIP 04411's metrics run below Penobscot County's averages on price growth and tenant stability. Investors who ignore that regional gap tend to relearn it the hard way.

Employment concentration in 04411 leans toward sectors with higher volatility. The demographic consequence is income fluctuation that investors need to factor into their pro forma.

New investors are better served looking at Bradley's stable or hybrid ZIPs before stepping into 04411. The learning curve here is expensive when the lesson is wrong.

Explore the Data — Click a Tab Below
🏦 Current 30-yr Fixed Mortgage Rate: 6.49% as of Jun 25 Source: Freddie Mac PMMS

Here's what matters if you're considering buying a home in Bradley:

B Good
Buy Confidence Score: 75/100
Affordability
20/25
Appreciation
25/25
Stability
7/20
Timing
8/15
Rental backup
15/15
Affordability
Moderate
Homes cost 3.2× the median income
Value Trend
Rising (+9.0%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,494/mo if you need to move
Market Conditions
BALANCED
Even conditions for buyers and sellers
Bottom Line: Mixed signals in this market. Research specific properties carefully and be prepared to negotiate.
⚖️
BALANCED MARKET
Bangor, ME Metro Area
Even conditions for buyers and sellers
49 days
Average time to sell
Average
9.6%
Listings with price cuts
Few Cuts
0.0%
Sale price vs asking
Below Ask
0.0%
Income needed for mortgage
Affordable
📅 Market conditions as of June 20, 2026 — updated weekly from Bangor, ME metro data
🏠

Property Strategy for 04411

Which property type performs best in this market?

Best for Cash Flow
3BR
5.7% cap rate
Best for Appreciation
3BR
+9.1% 5yr CAGR
Best Overall Value
3BR
$90,452/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $215,232 $1,660 5.6% +9.0% $107,616
3BR $271,356 $2,150 5.7% +9.1% $90,452

Market Trends

Home Value History (with trend line)

$289K$253K$217K$182K$146K$110KMay 2006May 2016May 2026

📊 How Does 04411 Compare?

Metric 04411 Bradley Bangor, ME Maine
Home Value $276,848 $276,848 N/A $401,109
5-Year CAGR 8.3% 8.3% N/A 8.6%
Avg Rent $1,494 $1,494 N/A -
Cap Rate 4.2% 4.2% - -
💡 Why Invest in 04411? Click to expand

With a 3/5 investability rating, this ZIP shows solid fundamentals for buy-and-hold investors.

📊 See where this ZIP ranks in our Best-of lists →
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 04411 (Bradley, ME). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
4.2%
Fair
5yr Growth
+8.3%
Strong

📉 Market Crash Risk Index

Based on Bangor, ME metro

3/10
Moderate Risk
Price YoY
0/3
N/A
Rent YoY
0/2
N/A
Below List
2/3
65%
Days Pending
1/2
49 days

View all metro crash risk rankings →

📊 Market Snapshot

Home Value $276,848
Monthly Rent $1,494
Price-to-Rent 15.4:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 6.5%
Cap Rate 4.2%
5-Year IRR 12.5%

📈 Home Appreciation

1-Year +9.0% ▲
3-Year CAGR +6.5% ▲
5-Year CAGR +8.3% ▲
10-Year CAGR +8.2% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 4.2%  |  30yr Rate: 6.5%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.5%) exceeds the estimated cap rate (4.2%). Financing reduces your cash-on-cash return below the cap rate. Markets like this may still make sense as IRR plays — factoring in appreciation, depreciation, and a future refinance when rates drop.

Run an IRR Analysis →

⚠️ Risk Signals

Composite view of factors that can impact a ZIP's stability and your downside risk.

Vacancy
12.5%
Moderate risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+8.3%
Growing
Eviction process: Fast Rent control: Moderate

Demographics in 04411

Population: 1,561

💰 Median Household Income
$85,469
This area
$85,469
State
$66,371
USA
$74,580
🏠 Renter Occupied
16.3%
This area
16.3%
State
17.6%
USA
34.0%
💼 Unemployment Rate
2.1%
This area
2.1%
State
-23.6%
USA
3.7%
🎓 College Educated
25.2%
This area
25.2%
State
3.6%
USA
33.7%
👤 Median Age
41.0 years
This area
41.0 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
12.5%
This area
12.5%
State
32.3%
USA
10.5%
👥 Population by Ethnicity
White 89.0%
Other/Mixed 10.4%
Hispanic/Latino 0.5%
Black/African American 0.4%
Asian 0.3%
👶 Under 18
19.6%
This area
19.6%
USA
22.0%
👴 65 and Over
19.1%
This area
19.1%
USA
17.3%
📊 Poverty Rate
3.4%
This area
3.4%
USA
11.5%

Crime & Safety

🚧

Crime & Safety Data Coming Soon

We're integrating comprehensive crime statistics including violent crime rates, property crime, and safety scores to help you make informed investment decisions.

Expected: Q1 2025

🎓 Schools in 04411

B+ Avg School Grade
1 Schools
7.3:1 Avg Class Size
$17,239 Avg Per Pupil

Schools in This ZIP Code

B+ Above Average

Viola Rand Sch

📚 Pre-K – 01 Elementary
👥
40 Students
👨‍🏫
7.3:1 Class Size
💰
$17,239 Per Student
About Repit School Scores

Traditional school ratings rely heavily on standardized test scores, which often reflect family income more than school quality. Repit takes a different approach.

We evaluate schools based on factors that research shows actually impact educational outcomes:

  • Class Size — Smaller classes mean more individual attention
  • School Funding — Resources available for programs, staff, and facilities
  • Community Factors — Neighborhood characteristics that influence student success
  • School Environment — Size, type, and structure

Scores are updated annually using federal education data.

🎓 Nearby Colleges & Universities

5 Nearby 1,240 Off-Campus Students
D
University of Maine-System Central Office
0 students · 5.1 mi
C+
University of Maine
11,760 students · 5.1 mi
C
Eastern Maine Community College
2,531 students · 9.7 mi
C
Husson University
3,133 students · 11.7 mi
D
Beal University
520 students · 12.7 mi

Investor Insight: With 1,240 students living off-campus nearby, this area has strong rental demand from the college population.

Frequently Asked Questions

Where do home prices stand in Bradley, ME?

Bradley, ME median home values land near $277K. That is reasonable territory for investors looking at $1,494/mo-per-month rentals.

How landlord-friendly is Bradley, ME?

The landlord environment in Bradley, ME is landlord-friendly. Statewide rules shape most day-to-day operations for rental owners.

Can I live-in-and-rent in Bradley, ME?

The house hack math a challenging in Bradley, ME. Owner-occupant buyers benefit from the $1,494/mo rents and $277K home values.

What is the rental occupancy rate in Bradley, ME?

Occupancy in Bradley, ME runs predictable with elevated vacancy. Well-priced units at $1,494/mo lease on reasonable timelines.

What monthly rent should investors expect in Bradley, ME?

Rental rates in Bradley, ME average $1,494/mo. Tenant demand and $277K home values make the yield look reasonable by investor standards.

See what 04411 really looks like for investors

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