Real Estate Investing in Cutler, Maine (04626)
Should you buy in 04626 (Cutler, ME)? Our answer, based on the numbers below.
Mixed signals — some positives, some negatives. Worth considering but not a slam-dunk.
A middle-of-the-road market. Workable, but the best opportunities may be nearby ZIPs rather than this one.
- High vacancy: 45.7% of homes vacant — above national norms.
What’s happening in Cutler, ME (04626)?
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Market Analysis: 04626 Cutler
The 04626 ZIP in Cutler, ME is a local-operator market. Outside capital chasing a $203K entry has to pair deep knowledge with the discount.
Distressed markets are won on execution, not on spreadsheets. ZIP 04626 reports the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
The gap between 04626 and stronger Cutler ZIPs is not closing quickly. Investors should weight long-horizon assumptions accordingly.
Demographically, 04626 is a market where tenant selection matters more than unit finishes. Operators who understand that tend to do fine; those who do not tend to learn why the ZIP trades at a discount.
Strategy in 04626 is an operator game, not a passive one. Put differently, entry prices of $203K are inviting, the management lift is real and non-optional.
Here's what matters if you're considering buying a home in Cutler:
Market Trends
Home Value History (with trend line)
📊 How Does 04626 Compare?
| Metric | 04626 | Cutler | Maine |
|---|---|---|---|
| Home Value | $203,344 | $203,344 | $401,109 |
| 5-Year CAGR | 6.1% | 6.1% | 8.6% |
| Avg Rent | $1,125 | $1,125 | - |
| Cap Rate | 4.3% | 4.3% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 04626 (Cutler, ME). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $203,344 |
| Monthly Rent | $1,125 |
| Price-to-Rent | 15.1:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 6.6% |
| Cap Rate | 4.3% |
| 5-Year IRR | 10.4% |
📈 Home Appreciation
| 1-Year | +2.8% ▲ |
| 3-Year CAGR | +2.7% ▲ |
| 5-Year CAGR | +6.1% ▲ |
| 10-Year CAGR | N/A |
🏠 Rent Trends
| 1-Year | N/A |
| 3-Year CAGR | N/A |
| 5-Year CAGR | N/A |
The current 30-yr mortgage rate (6.5%) exceeds the estimated cap rate (4.3%). 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.
Demographics in 04626
Population: 528
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 04626
Schools in This ZIP Code
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.
Frequently Asked Questions
How strong are rents in Cutler, ME?
Investors in Cutler, ME typically see rents near $1,125/mo per month against $203K home values - a solid setup for rental cash flow.
Can I live-in-and-rent in Cutler, ME?
The house hack math a challenging in Cutler, ME. Owner-occupant buyers benefit from the $1,125/mo rents and $203K home values.
How much does a house cost in Cutler, ME?
Homes in Cutler, ME typically sell near $203K. Prices have moved at a 0.0% 5-year CAGR, which consistent long-term demand.
Are landlord laws favorable in Cutler, ME?
Rental owners in Cutler, ME deal with a landlord-friendly legal framework. Most standard eviction processes run on reasonable timelines.
How strong is the working-renter base in Cutler, ME?
The renter base in Cutler, ME is reasonable for the $1,125/mo price point. Screening well and pricing to market typically yields measured tenants.
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