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Marblehead CDP, MA

ZIP 01945 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 01945

Median Home Value
$904,700
Median Rent
$1,609
Affordability Snapshot
$249,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,812/mo PITI).

12%
Rent-to-Income Ratio

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

5.5x
Home Price-to-Income Ratio

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

46.9 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 01945 in Marblehead CDP, MA, a household would need roughly $249,000 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 $5,812. That is about 52% above the local median household income ($164,325), 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

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
82.9%+27% vs US avg
x
Vacancy Rate
7.5%-27% vs US avg
x
Broadband Access
96.1%+11% vs US avg
x
4+ Bedrooms
9.6%-35% vs US avg
x
Built Pre-1939
8.3%-35% vs US avg
x
Built Post-2014
0.1%-99% vs US avg
x
Rent Burden >30%
26.6%-46% vs US avg
x
Mortgage-Free
32.9%-14% vs US avg
x
$904,700
Home Value
$1,609
Rent
1945
Year Built
2010
Moved In

Residents have lived here since ~2010 on average

Housing Structure

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

  • 1-unit detached75.2%
  • 1-unit attached3.8%
  • 2-9 units18.4%
  • 10+ units2.3%
  • Mobile home & other0.3%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$904,700
Median rent$1,609
Owner-occupied82.9%
Vacant7.5%
Price-to-income5.5x
Est. income to buy$249,000