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Cambridge city, MA

ZIP 02139 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 02139

Median Home Value
$1,066,200
Median Rent
$2,510
Affordability Snapshot
$294,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,849/mo PITI).

24%
Rent-to-Income Ratio

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

8.6x
Home Price-to-Income Ratio

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

35.4 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 02139 in Cambridge city, MA, a household would need roughly $294,000 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 $6,849. That is about 136% above the local median household income ($124,648), 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
32.0%-51% vs US avg
x
Vacancy Rate
5.1%-50% vs US avg
x
Broadband Access
94.5%+9% vs US avg
x
4+ Bedrooms
2.7%-82% vs US avg
x
Built Pre-1939
3.7%-71% vs US avg
x
Built Post-2014
0.3%-96% vs US avg
x
Rent Burden >30%
18.1%-64% vs US avg
x
Mortgage-Free
37.8%-1% vs US avg
x
$1,066,200
Home Value
$2,510
Rent
1938
Year Built
2017
Moved In

Residents have lived here since ~2017 on average

Housing Structure

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

  • 1-unit detached8.7%
  • 1-unit attached6.0%
  • 2-9 units51.0%
  • 10+ units34.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$1,066,200
Median rent$2,510
Owner-occupied32.0%
Vacant5.1%
Price-to-income8.6x
Est. income to buy$294,000