04401 Property Tax Rate
Bangor, Maine · Part of Penobscot County
Effective Tax Rate
1.30%
16.8% above state avgMedian Annual Tax
$2,982
$249/mo escrow
Estimate Your Tax
Annual Tax
$2,982
Monthly
$249
Eff. Rate
1.30%
Buyer decision brief
What ZIP 04401 means for your housing budget
Use this ZIP page to compare recurring tax burden before you compare listing prices. The numbers below are Census ZCTA estimates, so they are strongest for neighborhood comparison and weakest for parcel-specific tax planning.
Monthly escrow signal
$249/mo
Based on median annual tax paid
State context
0.26 percentage points above the Maine average
Maine average: 1.04%
Data confidence
High confidenceThe Census margin of error is $144, about 5% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Penobscot County assessor.
- Check homestead, senior, veteran, and disability exemptions.
- Ask whether purchase triggers reassessment or value-cap reset.
- Review school district and special assessment boundaries.
Lower-rate similar ZIPs
This is informational content, not tax, legal, or mortgage advice. Local assessor records remain the source of truth for a specific property.
Data confidence ledger
Can you trust ZIP 04401 for comparison?
ACS vintage
2019-2023 ACS 5-Year Estimates
Five-year Census ZCTA estimates.
ZCTA caveat
Census area, not parcel boundary
USPS ZIP routes and taxing districts can differ inside the same area.
Field completeness
3/3 required fields
Median tax, home value, and derived rate are present.
MOE status
Strong ACS confidence
$144 tax MOE, 5% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County context only
Penobscot County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 04401
Use the ZIP estimate to compare neighborhoods, then verify these parcel-level inputs before relying on a payment estimate.
Assessed value
The ZCTA median home value is $229,600, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 1.30%, derived from median tax paid divided by median home value.
Exemptions
Homestead, senior, veteran, disability, and local exemptions can reduce taxable value. Confirm eligibility before estimating escrow.
Reassessment
A purchase can change assessed value depending on Maine and county rules. Ask how sale price affects the next assessment cycle.
Escrow impact
The median tax paid in this ZCTA equals about $249 per month before insurance, HOA dues, or special assessments.
Assessor verification
Penobscot County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 04401 Compares
Median Annual Property Tax
ZIP 04401
1.30%
Effective rate
Maine Avg
1.04%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Maine
Higher than 84% of ZIP codes in Maine(84th percentile, 399 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 04401
Property owners in ZIP code 04401 (Bangor, Maine) pay a median of $2,982/year in property taxes on homes valued at $229,600. This translates to an effective tax rate of 1.30%, which is 25% above the Maine state average of 1.04%.
The monthly property tax burden for a median-valued home in 04401 is approximately $249, which factors into escrow payments on mortgages. This ZIP code is located within Penobscot County. This is $428 more than the Maine average of $2,554/year.
Compared to similar ZIP codes in Maine, 04401 has higher property taxes. ZIP codes with similar effective rates include 04222 (1.30%) and 03901 (1.30%).
In Bangor, property taxes represent approximately 4.5% of the median household income of $66,136, providing context for the relative tax burden on homeowners in this area.
If you're considering purchasing a home in 04401, keep in mind that property taxes are based on the assessed value assigned by the local assessor, which may differ from the purchase price. In some states, properties are reassessed at or near the sale price upon transfer of ownership. For the most current tax information for a specific property, consult Penobscot County's tax assessor directly.
Frequently Asked Questions
What is the property tax rate in ZIP code 04401?
How much are property taxes in Bangor, ME (04401)?
How does ZIP 04401 compare to the Maine average?
What is the median home value in ZIP 04401?
What county is ZIP code 04401 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$144. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 04401 is part of Penobscot County, Maine. View the full county profile for broader context and more data.
View Penobscot County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 04401
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
04417
Burlington, ME
0.71 percentage points lower than ZIP 04401.
Rate
0.59%
Tax
$545
Quality
71
04422
Charleston, ME
0.48 percentage points lower than ZIP 04401.
Rate
0.81%
Tax
$1,813
Quality
82
04969
Plymouth, ME
0.46 percentage points lower than ZIP 04401.
Rate
0.83%
Tax
$1,569
Quality
77
04487
Springfield, ME
0.45 percentage points lower than ZIP 04401.
Rate
0.84%
Tax
$735
Quality
77
04453
Lagrange, ME
0.45 percentage points lower than ZIP 04401.
Rate
0.85%
Tax
$1,093
Quality
77
04932
Dixmont, ME
0.43 percentage points lower than ZIP 04401.
Rate
0.87%
Tax
$1,553
Quality
82
04455
Lee, ME
0.38 percentage points lower than ZIP 04401.
Rate
0.91%
Tax
$1,392
Quality
82
04939
Garland, ME
0.38 percentage points lower than ZIP 04401.
Rate
0.92%
Tax
$1,337
Quality
82
Data from U.S. Census Bureau, American Community Survey 2019-2023 5-Year Estimates (ZCTA level). ZIP Code Tabulation Areas (ZCTAs) are Census approximations of USPS ZIP codes.
Estimates are informational only and should not be used as financial or legal advice.