04609 Property Tax Rate
Bar Harbor, Maine · Part of Hancock County
Effective Tax Rate
0.89%
57.3% above state avgMedian Annual Tax
$4,018
$335/mo escrow
Estimate Your Tax
Annual Tax
$4,018
Monthly
$335
Eff. Rate
0.89%
Buyer decision brief
What ZIP 04609 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
$335/mo
Based on median annual tax paid
State context
0.15 percentage points below the Maine average
Maine average: 1.04%
Data confidence
High confidenceThe Census margin of error is $505, about 13% of the median tax estimate.
Verify before you offer
- Confirm parcel assessed value with Hancock 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 04609 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
$505 tax MOE, 13% of the median tax estimate.
Last site refresh
March 10, 2026
Dataset and page-quality audit run locally before publication.
County fallback
County advisory available
Hancock County is used for assessor verification and broader context.
Tax bill anatomy
What can change your actual bill in ZIP 04609
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 $451,800, but your bill starts with the local assessed value for a specific parcel.
Effective rate
The displayed rate is 0.89%, 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 $335 per month before insurance, HOA dues, or special assessments.
Assessor verification
Hancock County assessor or tax collector records are the source of truth for parcel taxes, appeal windows, and exemptions.
How ZIP 04609 Compares
Median Annual Property Tax
ZIP 04609
0.89%
Effective rate
Maine Avg
1.04%
Effective rate
National Avg
1.10%
Effective rate
State Ranking
Property Tax Rank in Maine
Lower than 71% of ZIP codes in Maine(29th percentile, 399 ZIPs compared)
Property Tax Analysis
Property Tax Insights for ZIP 04609
Property owners in ZIP code 04609 (Bar Harbor, Maine) pay a median of $4,018/year in property taxes on homes valued at $451,800. This translates to an effective tax rate of 0.89%, which is 14% below the Maine state average of 1.04%.
The monthly property tax burden for a median-valued home in 04609 is approximately $335, which factors into escrow payments on mortgages. This ZIP code is located within Hancock County. This is $1,464 more than the Maine average of $2,554/year.
Compared to similar ZIP codes in Maine, 04609 has higher property taxes. ZIP codes with similar effective rates include 03906 (0.89%) and 04063 (0.89%).
In Bar Harbor, property taxes represent approximately 5.4% of the median household income of $74,408, providing context for the relative tax burden on homeowners in this area.
Maine has no statewide property tax cap — your assessment resets to market value at purchase, and the Hancock County Assessor will establish a new base for annual increases. The Maine Homestead Property Tax Exemption exempts $25,000 of assessed value from state and local property taxes; file with the Hancock County Assessor's office by April 1 of the year following purchase. Contact the Hancock County Assessor immediately after closing to confirm your filing deadline and obtain your Notice of Valuation.
Frequently Asked Questions
What is the property tax rate in ZIP code 04609?
How much are property taxes in Bar Harbor, ME (04609)?
How does ZIP 04609 compare to the Maine average?
What is the median home value in ZIP 04609?
What county is ZIP code 04609 in?
Margin of Error
The median property tax estimate for this ZIP code has a margin of error of ±$505. ZCTA-level data has wider margins than county-level estimates due to smaller sample sizes.
County-Level Data
ZIP code 04609 is part of Hancock County, Maine. View the full county profile for broader context and more data.
View Hancock County on TaxByCounty →Why compare these ZIPs?
Better comparison set for ZIP 04609
Each ZIP highlights a homebuyer tradeoff: lower rate, stronger value context, shared county rules, city boundary changes, or nearby missing data.
04662
Northeast Harbor, ME
0.42 percentage points lower than ZIP 04609.
Rate
0.47%
Tax
$2,824
Quality
76
04616
Brooklin, ME
0.41 percentage points lower than ZIP 04609.
Rate
0.47%
Tax
$1,490
Quality
86
04617
Brooksville, ME
0.41 percentage points lower than ZIP 04609.
Rate
0.48%
Tax
$1,732
Quality
80
04673
Sargentville, ME
0.33 percentage points lower than ZIP 04609.
Rate
0.56%
Tax
$1,600
Quality
83
04684
Surry, ME
0.23 percentage points lower than ZIP 04609.
Rate
0.66%
Tax
$1,832
Quality
91
04675
Seal Harbor, ME
0.23 percentage points lower than ZIP 04609.
Rate
0.66%
Tax
$3,500
Quality
88
04677
Sorrento, ME
0.23 percentage points lower than ZIP 04609.
Rate
0.66%
Tax
$1,763
Quality
86
04693
Winter Harbor, ME
0.21 percentage points lower than ZIP 04609.
Rate
0.68%
Tax
$1,265
Quality
91
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.