Real Estate Investing in Lubec, Maine (04652)
Should you buy in 04652 (Lubec, 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: 43.5% of homes vacant — above national norms.
What’s happening in Lubec, ME (04652)?
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Market Analysis: 04652 Lubec
On balance, ZIP 04652 has challenges — vacancy pressure, softer price growth, and tenant stability concerns sit alongside the $256K median. It rewards specialists, not generalists.
Distressed markets are won on execution, not on spreadsheets. ZIP 04652 comes in at the profile where tenant screening, deferred maintenance, and local relationships determine the outcome.
Within ME, ZIP 04652 trails on several market indicators that neighboring Washington County submarkets outperform. The gap is real and solid enough to shape underwriting.
Resident income in 04652 sits below the county median. That reality colors rent collection, vacancy, and reinvestment math in ways that outside investors often underestimate.
trends toward the ZIP is not uninvestable, but it is unforgiving. Section 8 landlords, local operators, and specialized value-add funds are the investor types that tend to succeed.
Here's what matters if you're considering buying a home in Lubec:
Market Trends
Home Value History (with trend line)
📊 How Does 04652 Compare?
| Metric | 04652 | Lubec | Maine |
|---|---|---|---|
| Home Value | $255,743 | $255,743 | $401,109 |
| 5-Year CAGR | 6.2% | 6.2% | 8.6% |
| Avg Rent | $1,233 | $1,233 | - |
| Cap Rate | 3.8% | 3.8% | - |
Similar ZIPs Within 25 Miles
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Landlord Ground Truth
Real numbers from people who own or manage rentals in ZIP 04652 (Lubec, ME). Anonymous, moderated, never written by AI.
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📊 Market Snapshot
| Home Value | $255,743 |
| Monthly Rent | $1,233 |
| Price-to-Rent | 17.3:1 |
| 1% Rule | ✗ Fails |
💰 Return Metrics
| Gross Yield | 5.8% |
| Cap Rate | 3.8% |
| 5-Year IRR | 9.9% |
📈 Home Appreciation
| 1-Year | +0.9% ▲ |
| 3-Year CAGR | +1.0% ▲ |
| 5-Year CAGR | +6.2% ▲ |
| 10-Year CAGR | +7.7% ▲ |
🏠 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 (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.
Demographics in 04652
Population: 1,489
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 04652
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
What do landlords charge for rent in Lubec, ME?
Rent in Lubec, ME is around $1,233/mo. The resulting rent-to-value relationship with $256K pricing is reasonable for most investor models.
What is the renter demographic in Lubec, ME?
Tenant quality in Lubec, ME ranks as solid. Landlords generally report reliable occupancy at market rents of $1,233/mo.
What price range are homes in Lubec, ME?
The median home value in Lubec, ME is roughly $256K. That puts it reasonable relative to the ME statewide average.
Is Lubec, ME a friendly market for rental owners?
For rental operators, Lubec, ME rates as landlord-friendly. The regulatory environment standard buy-and-hold operations.
What type of investing works in Lubec, ME?
Investors usually favor careful cash-flow rentals with hands-on management in Lubec, ME. With home values at $256K and rents near $1,233/mo, other strategies can work but produce stable rather than outsized returns.
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