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Swans Island 04685

ZIP codeThe kind of area this report covers. Neighborhood areas nest inside each other, from broad districts down to small pockets.Maine
$564K
Median sale priceThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.
6
Sales (12 mo)How many homes sold here in the last 12 months. More sales make the other numbers more reliable.
$335K
Median valueThe middle estimated value of all homes here, not just the ones that recently sold.

Deed records through Apr 2026 · Quarterly intervals (lower sales volume)Counties take time to publish deeds, so the newest months can be incomplete and may shift as more records arrive.

Market Trends

Sale pricesThe middle sale price each month, counting normal open-market sales. The average runs above the median when a few expensive sales pull it up. Bars show how many homes sold.MedianSales
20222023202420252026
Growth (year over year)How much prices and sales counts changed since the same time last year, using a 3-month average to smooth out noise. Above the dashed line means growth.PriceSales
20222023202420252026
Sale premium vs estimated valueHow sale prices compare with our estimated values at the time of sale. Above the dashed line, homes sold for more than the models expected — a sign of competitive bidding. Below it, buyers paid under model value.Premium
20222023202420252026
Annual turnover (share of homes sold)The share of all homes here that sold in the trailing 12 months. Higher turnover means a more liquid market where homes trade hands more often.Turnover
20222023202420252026
Buyer mixWho is buying. Cash means no mortgage was recorded, investor means the buyer looked like an investor, and flip means the home resold within a year.CashInvestorFlip resale
20222023202420252026
Financing (share of purchase price)For buyers who borrowed: the middle share of the price they financed, and the middle share they paid up front.Loan (LTV)Down payment
20222023202420252026
Preforeclosure filingsForeclosure notices filed each month. A rise can be an early sign that more owners are struggling. Auction stage counts the filings that reached a scheduled foreclosure auction.FilingsAuction stage
2021202320252026

Housing Stock

HomesHow many homes we have records for in this area.200
Median value (AVM)The middle estimated value of all homes here, not just the ones that recently sold.$335K
Single familyThe share of homes here that are single-family houses.100%

Equity & Ownership

Equity rich (LTV ≤ 50%)The share of owners who owe half or less of what their home is worth, meaning they hold a lot of equity.60%
Underwater (LTV ≥ 125%)The share of owners who owe at least 25% more than their home is worth.6.5%
Owner occupiedThe share of homes lived in by their owner rather than rented out or left empty.50%
Company ownedThe share of homes owned by a company or trust instead of a person.8.5%
Median loan-to-valueThe middle share of home value still owed on loans across all owners here.10%
Typical ownership tenureHow long the typical owner here has held their home.126.6 yrs

CommunityThese are comparison scores, not percentages. 100 equals the national average, so 150 means about 50% above average.

CrimeLocal crime compared with the rest of the country, where 100 is average. It reflects things like population density, income, and how crime gets reported.160
Air pollutionOverall air pollution compared with the rest of the country, where 100 is average. Lower is cleaner.76
EarthquakeEarthquake risk and likely building damage compared with the rest of the country, where 100 is average. Scores can run far above 100.46

Index scale: 100 = US average (tick). Lower is better.

Homes occupiedThe share of homes here that someone lives in. The rest sit empty, including vacation and for-sale homes.48%
Bachelor's or higherThe share of adults 25 and older whose highest degree is a bachelor's degree.24%
Poverty rateThe share of people whose household income falls below the federal poverty line, which varies by family size.6.2%
UnemploymentThe share of men 16 and older who are out of work and actively looking. Only men are counted in this figure.1.2%
PopulationHow many people live in this area.719
DensityPeople per square mile. Higher numbers mean a more crowded, urban area.11 / mi²
Median household incomeThe middle household income here — half of households earn more, half earn less.$78K
Average household incomeThe average household income. It runs higher than the median when a few high earners pull it up.$94K
Average tempThe average temperature here across a full year.45°F
Annual precipHow much rain and melted snow falls here in a typical year.52 in
SunshineThe share of daylight hours that get direct sun in a typical year, counting cloud cover.50%

Market metrics are derived from recorded arms-length deeds and refreshed nightly. Temperature blends price momentum, sales velocity, turnover and resale outcomes, ranked against all ZIP codes nationally.

How Swans Island 04685 compares

By median home value, Swans Island 04685 is the 17th most expensive of 28 ZIP codes in Hancock County, and its typical home is worth more than 42% of all homes in Hancock County.

Home values in Swans Island 04685

Share of homes at each estimated value.

Median
$124K$1.2M
ZIP codes in Hancock County ranked by median home value
#Hancock CountyMedian valueHomes
1Mount Desert 04660$868K1,900
2Bar Harbor 04609$662K2,593
3Southwest Harbor 04679$608K1,106
4Bernard 04612$592K259
5Castine 04421$578K341
6Bass Harbor 04653$543K198
7Brooklin 04616$497K720
8Little Deer Isle 04650$470K171
9Seal Cove 04674$464K153
10Harborside 04642$456K108
11Sorrento 04677$444K296
12Brooksville 04617$433K386
13Deer Isle 04627$431K1,350
14Blue Hill 04614$421K1,196
15Sedgwick 04676$374K484
16Surry 04684$349K754
17Swans Island 04685$335K200
18Stonington 04681$328K522
19Ellsworth 04605$316K11,580
20Penobscot 04476$314K876
21Gouldsboro 04607$307K768
22Orland 04472$304K1,385
23Hancock 04640$279K1,069
24Bucksport 04416$270K2,351

28 ZIP codes in Hancock County are ranked; the most valuable are listed here.

About the Swans Island 04685 market

What is the median home price in Swans Island 04685, ME?

The median sale price in Swans Island 04685, ME is $564,100 (data through April 2026), based on deeds recorded with the county.

How many homes sell in Swans Island 04685, ME each year?

6 homes sold in Swans Island 04685, ME over the last 12 months (data through April 2026). TopHap counts recorded arm's-length deeds, not listings, so the figure is not affected by which brokerage handled the sale.

How many homes are there in Swans Island 04685, ME?

Swans Island 04685, ME contains 200 residential properties. The median TopHap Estimate is $335K.

How does Swans Island 04685, ME compare to the rest of Hancock County?

By median home value, Swans Island 04685, ME is the 17th most expensive of 28 ZIP codes in Hancock County. Its typical home is worth more than 42% of all homes in Hancock County. Surry 04684 ranks just above it and Stonington 04681 just below. The ranking is rebuilt nightly from the county assessor record of every home in each area.

Do people own or rent in Swans Island 04685, ME?

50% of homes in Swans Island 04685, ME are owner-occupied. 9% are held by a company rather than an individual.

How much equity do owners in Swans Island 04685, ME hold?

60% of mortgaged homes in Swans Island 04685, ME are equity-rich, meaning the loan balance is under half the home's value. 6.5% owe more than the home is worth.

Nearby markets

Browse addresses

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Explore Swans Island 04685 on the map

See every recorded sale, price heat map, school zone and flood overlay across Swans Island 04685in TopHap’s interactive 3D map.

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