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Lowell city, MA

ZIP 01854 — 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 01854

Median Home Value
$360,500
Median Rent
$1,245
Affordability Snapshot
$99,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,316/mo PITI).

21%
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.

24.1 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 01854 in Lowell city, MA, a household would need roughly $99,000 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 $2,316. That is about 41% above the local median household income ($70,397), 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
36.7%-44% vs US avg
x
Vacancy Rate
5.3%-48% vs US avg
x
Broadband Access
89.0%+2% vs US avg
x
4+ Bedrooms
4.5%-70% vs US avg
x
Built Pre-1939
2.8%-78% vs US avg
x
Built Post-2014
0.4%-94% vs US avg
x
Rent Burden >30%
22.8%-54% vs US avg
x
Mortgage-Free
23.6%-38% vs US avg
x
$360,500
Home Value
$1,245
Rent
1968
Year Built
2014
Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

  • 1-unit detached23.5%
  • 1-unit attached11.1%
  • 2-9 units38.1%
  • 10+ units27.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$360,500
Median rent$1,245
Owner-occupied36.7%
Vacant5.3%
Price-to-income5.1x
Est. income to buy$99,000