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ZIP 01086 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2016–2020 5-Year Estimates. Page data updated 2026-08-02.

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 01086

Median Home Value
$327,000
Median Rent
$1,288
Affordability Snapshot
$90,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,101/mo PITI).

15%
Rent-to-Income Ratio

Below the 30% threshold — generally affordable for median earners.

3.3x
Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

21.2 yrs
Price-to-Rent Ratio

Years to break even buying vs renting at median home value and rent.

To comfortably buy a median-priced home in ZIP 01086, a household would need roughly $90,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,101. That is roughly in line with the local median household income ($99,766). Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
79.4%+21% vs US avg
x
Vacancy Rate
5.5%-47% vs US avg
x
Broadband Access
91.8%+6% vs US avg
x
4+ Bedrooms
4.8%-68% vs US avg
x
Built Pre-1939
2.4%-81% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
6.4%-87% vs US avg
x
Mortgage-Free
40.6%+6% vs US avg
x
$327,000
Home Value
$1,288
Rent
1971
Year Built
2007
Moved In

Residents have lived here since ~2007 on average

Housing Structure

Census ACS structure types (single-family, multi-unit, etc.).

  • 1-unit detached71.2%
  • 1-unit attached0.6%
  • 2-9 units19.7%
  • 10+ units6.4%
  • Mobile home & other2.2%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$327,000
Median rent$1,288
Owner-occupied79.4%
Vacant5.5%
Price-to-income3.3x
Est. income to buy$90,000