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Haverhill city, MA

ZIP 01832 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 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 01832

Median Home Value
$410,300
Median Rent
$1,362
Affordability Snapshot
$113,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,636/mo PITI).

20%
Rent-to-Income Ratio

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

5.1x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

25.1 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 01832 in Haverhill city, MA, a household would need roughly $113,000 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 $2,636. That is about 39% above the local median household income ($81,141), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
58.1%-11% vs US avg
x
Vacancy Rate
4.0%-61% vs US avg
x
Broadband Access
91.2%+5% vs US avg
x
4+ Bedrooms
4.7%-68% vs US avg
x
Built Pre-1939
4.1%-68% vs US avg
x
Built Post-2014
0.1%-98% vs US avg
x
Rent Burden >30%
23.5%-53% vs US avg
x
Mortgage-Free
28.3%-26% vs US avg
x
$410,300
Home Value
$1,362
Rent
1971
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached39.1%
  • 1-unit attached12.7%
  • 2-9 units32.4%
  • 10+ units15.5%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$410,300
Median rent$1,362
Owner-occupied58.1%
Vacant4.0%
Price-to-income5.1x
Est. income to buy$113,000