Best Places04645, ME Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 04645, scored on 40 measures of daily life and ranked to fit what matters to you. Several measures below read low, and the ranked lists name which ones. To work out which city fits you best, start with the best places to live tool.
04645 ranks 14,971st of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on short commutes by a wide margin, and an overheated housing market is the weak spot.
The best neighborhoods in 04645
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
04645's strengths and weaknesses
Where 04645 ranks high
- Short commute5.3 minutes each way, better than 99% of zip codes
- Cheap car insuranceBetter than 99% of zip codes
- QuietBetter than 97% of zip codes
- Voter turnoutBetter than 95% of zip codes
- Healthcare accessBetter than 94% of zip codes
Where 04645 ranks low
- Housing crash safetyBetter than only 4% of zip codes
- State infrastructureBetter than only 7% of zip codes
- Low vacancyBetter than only 8% of zip codes
- Household income$49,750 median, better than only 10% of zip codes
- BikingBetter than only 12% of zip codes
What it costs to buy a home in 04645
A household needs to earn about $130,000 a year to comfortably buy the median 04645 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $49,750, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 04645's effective rate of 0.76%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 04645
04645 runs older than the country, and households here run smaller than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 04645.
Who works in 04645, and how
Work in 04645 centers on agriculture & forestry and education. Unemployment is low, and employment has held roughly flat.
Largest industries
How people get to work
- Drive or carpool 33%
- Work from home 29%
- Transit, walk, or bike 39%
Life in 04645
The coast is about 1 minutes away. Distance to the water changes a lot across 04645, which the map shows.
What the weather is like in 04645, month by month
04645 sees roughly 80 pleasant days a year. July highs average about 78 degrees. January highs sit near 36, with lows near 16. The comfortable stretch runs June through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 36° | 26° | 16° |
| April | 53° | 43° | 33° |
| July | 78° | 67° | 58° |
| October | 61° | 51° | 41° |
Flying in and out of 04645
The nearest airport, Knox County Regional, is about 24 miles away and is a small airport. The nearest major hub is General Edward Lawrence Logan International, about 168 miles away.
The best schools in and around 04645
Schools across 04645 average an A, better than 89% of zip codes.
Top high schools
- Oceanside High SchoolA+ · 83% proficient
- Deer Isle-stonington High SchA+ · 80% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 04645 school and its grade on SchoolGrade.
04645 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 04645 against the other 33,109 zip codes.
Common questions about living in 04645
Is 04645 a good place to live?
Using BestNeighborhood's default rankings, 04645 ranks 14,971st of 33,110 zip codes. It scores highest on short commutes, cheap car insurance, and quiet, and lowest on an overheated housing market and state infrastructure. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 04645 expensive to live in?
The median home is worth $500,000. The overall cost of living runs about 1% below the national average. Set against a $49,750 median income, cost of living beats 33% of zip codes.
Is 04645 safe?
04645 is safer than 17% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $488 per resident a year.
Compare 04645 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 04645. Scores are absolute rather than ranked, which means a 60 in 04645 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
04645 detail on BestNeighborhood maps:
- Walk Grade for 04645: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 04645: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 04645: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 04645: carrier by carrier coverage behind the cell score.
04645 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.