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, MA

ZIP 01860 — Housing & Real Estate

Source: U.S. Census Bureau ACS 2019–2023 5-Year Estimates. Page data updated 2026-08-02.

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 01860

Median Home Value
$531,300
Median Rent
$1,231
Affordability Snapshot
$146,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,413/mo PITI).

13%
Rent-to-Income Ratio

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

4.6x
Home Price-to-Income Ratio

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

36.0 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 01860 in MA, a household would need roughly $146,000 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 $3,413. That is about 25% above the local median household income ($116,477), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
79.0%+21% vs US avg
x
Vacancy Rate
5.0%-52% vs US avg
x
Broadband Access
91.4%+5% vs US avg
x
4+ Bedrooms
5.1%-66% vs US avg
x
Built Pre-1939
5.3%-59% vs US avg
x
Built Post-2014
3.2%-54% vs US avg
x
Rent Burden >30%
10.9%-78% vs US avg
x
Mortgage-Free
43.0%+13% vs US avg
x
$531,300
Home Value
$1,231
Rent
1984
Year Built
2011
Moved In

Residents have lived here since ~2011 on average

Housing Structure

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

  • 1-unit detached63.3%
  • 1-unit attached7.3%
  • 2-9 units17.2%
  • 10+ units4.1%
  • Mobile home & other8.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$531,300
Median rent$1,231
Owner-occupied79.0%
Vacant5.0%
Price-to-income4.6x
Est. income to buy$146,000