Real Estate Investing in Brewer, Maine (04412)

Penobscot County • Population: 9,654 • Data updated: June 2026

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Should you buy in 04412 (Brewer, ME)? Our answer, based on the numbers below.

🏠 For Homebuyers
GOOD FIT
Grade B (73/100)

Solid choice — values are growing steadily and the market is stable enough to buy with confidence.

📈 For Investors
MIXED
3.0 / 5 (47/100)

A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.

⚠️ Risks to Know
CLEAN

No major risk flags on the data we track.

What’s happening in Brewer, ME (04412)?

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3.0/ 5

Investability

Overall investment appeal

4.0/ 5

Appreciation

Long-term value growth

3.0/ 5

Cashflow ROI

Rental yield potential

Avg Home Value $304,049
Avg Monthly Rent $1,492
1% Rule ✗ Does Not Meet
Median Income $55,870
% Renters 42.3%

Market Analysis: 04412 Brewer

Investors eyeing 04412 need to respect the fundamentals at play. Home values of $304K come alongside slower price movement and elevated management overhead.

For an experienced owner, 04412 can be a worth a close look for hunting ground — but the discount at $304K reflects genuine risk that outside investors often underestimate.

In the broader ME picture, 04412 is a reminder that not every low-priced ZIP is a value-add opportunity — some are simply distressed, and the difference matters.

The demographic picture in 04412 includes headwinds that any investor should price in. Income distribution skews lower than Brewer averages, and tenant stability requires active management.

Strategy in 04412 is an operator game, not a passive one. Put differently, entry prices of $304K are inviting, the management lift is real and non-optional.

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 Brewer:

C+ Average
Buy Confidence Score: 67/100
Affordability
10/25
Appreciation
25/25
Stability
9/20
Timing
8/15
Rental backup
15/15
Affordability
Expensive
Homes cost 5.4× the median income
Value Trend
Rising (+3.5%)
How home values changed in the past year
Rental Backup
Strong
Could rent for $1,492/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 04412

Which property type performs best in this market?

Best for Cash Flow
3BR
5.1% cap rate
Best for Appreciation
2BR
+10.4% 5yr CAGR
Best Overall Value
5BR
$73,770/bedroom
📊 Compare All Property Types →
Type Median Value Est. Rent Cap Rate 5yr CAGR $/Bedroom
2BR $233,103 $1,600 4.9% +10.4% $116,551
3BR $292,435 $2,060 5.1% +9.5% $97,478
4BR $332,859 $2,160 4.7% +9.5% $83,215
5BR $368,849 +8.3% $73,770

Market Trends

Home Value History (with trend line)

$318K$278K$238K$199K$159K$119KMay 2006May 2016May 2026

Rent History (with trend line)

$1,689$1,638$1,588$1,538$1,487$1,437Feb 2026Apr 2026May 2026

📊 How Does 04412 Compare?

Metric 04412 Brewer Bangor, ME Maine
Home Value $304,049 $304,049 N/A $401,109
5-Year CAGR 8.3% 8.3% N/A 8.6%
Avg Rent $1,492 $1,492 N/A -
Cap Rate 3.8% 3.8% - -
💡 Why Invest in 04412? Click to expand

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

A healthy rental market with 42% renter-occupied households ensures tenant availability.

📊 See where this ZIP ranks in our Best-of lists →
A great house in the wrong ZIP is still a bad deal — screen every market by cash flow & cap rate.
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Landlord Ground Truth

Real numbers from people who own or manage rentals in ZIP 04412 (Brewer, ME). Anonymous, moderated, never written by AI.

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Investability
Good
Cap Rate
3.8%
Low
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 $304,049
Monthly Rent $1,492
Price-to-Rent 17.0:1
1% Rule ✗ Fails

💰 Return Metrics

Gross Yield 5.9%
Cap Rate 3.8%
5-Year IRR 12.2%

📈 Home Appreciation

1-Year +3.5% ▲
3-Year CAGR +5.1% ▲
5-Year CAGR +8.3% ▲
10-Year CAGR +7.9% ▲

🏠 Rent Trends

1-Year N/A
3-Year CAGR N/A
5-Year CAGR N/A
Negative Leverage — IRR / Tax Play Cap Rate: 3.8%  |  30yr Rate: 6.5%
Leverage reduces cash returns at current rates.

The current 30-yr mortgage rate (6.5%) exceeds the estimated cap rate (3.8%). 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
4.7%
Low risk
Landlord Climate
4.0/5
Friendly
Value Trend (5yr)
+8.3%
Growing
Eviction process: Fast Rent control: Moderate

Demographics in 04412

Population: 9,654

💰 Median Household Income
$55,870
This area
$55,870
State
$66,371
USA
$74,580
🏠 Renter Occupied
42.3%
This area
42.3%
State
17.6%
USA
34.0%
💼 Unemployment Rate
1.7%
This area
1.7%
State
-23.6%
USA
3.7%
🎓 College Educated
30.9%
This area
30.9%
State
3.6%
USA
33.7%
👤 Median Age
39.0 years
This area
39.0 years
State
19.6 years
USA
38.9 years
🏚️ Vacancy Rate
4.7%
This area
4.7%
State
32.3%
USA
10.5%
👥 Population by Ethnicity
White 94.5%
Other/Mixed 4.9%
Hispanic/Latino 2.0%
Black/African American 0.5%
👶 Under 18
20.6%
This area
20.6%
USA
22.0%
👴 65 and Over
18.8%
This area
18.8%
USA
17.3%
📊 Poverty Rate
9.5%
This area
9.5%
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 04412

A Avg School Grade
2 Schools
13.4:1 Avg Class Size
$15,654 Avg Per Pupil

Schools in This ZIP Code

A Very Good

Brewer Community School

📚 Pre-K – 08 School
👥
860 Students
👨‍🏫
11.9:1 Class Size
💰
$15,654 Per Student
A Very Good

Brewer High School

📚 09 – 12 High School
👥
704 Students
👨‍🏫
14.9:1 Class Size
💰
$15,654 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
Beal University
520 students · 2.5 mi
C
Eastern Maine Community College
2,531 students · 3.0 mi
C
Husson University
3,133 students · 4.2 mi
D
University of Maine-System Central Office
0 students · 8.4 mi
C+
University of Maine
11,760 students · 8.6 mi

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

Frequently Asked Questions

Should investors worry about vacancy in Brewer, ME?

Vacancy risk in Brewer, ME is elevated. That supports consistent cash flow for typical rental holds.

Are renters plentiful in Brewer, ME?

The tenant pool in Brewer, ME is solid, supported by local employment and population fundamentals. Rents of $1,492/mo are well-absorbed by the market.

How strong is Brewer, ME for real estate investors?

Investors tracking Brewer, ME will find a 3.0/5 rating supported by $304K median home values and $1,492/mo rents. That profile suits long-term holders targeting reliable returns.

Is Brewer, ME a friendly market for rental owners?

Brewer, ME operates under ME law, which is landlord-friendly overall for landlords. Expect measured treatment in typical lease and eviction cases.

What is the typical rental rate in Brewer, ME?

Rent in Brewer, ME is around $1,492/mo. The resulting rent-to-value relationship with $304K pricing is reasonable for most investor models.

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