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Barnstable Town city, MA

ZIP 02635 — 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 02635

Median Home Value
$649,900
Median Rent
$1,966
Affordability Snapshot
$179,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,175/mo PITI).

20%
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.

27.5 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 02635 in Barnstable Town city, MA, a household would need roughly $179,000 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 $4,175. That is about 51% above the local median household income ($118,295), 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

Vacancy rate 26% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
88.6%+36% vs US avg
x
Vacancy Rate
25.6%+148% vs US avg
x
Broadband Access
89.9%+3% vs US avg
x
4+ Bedrooms
9.2%-38% vs US avg
x
Built Pre-1939
0.6%-95% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
29.6%-41% vs US avg
x
Mortgage-Free
52.9%+39% vs US avg
x
$649,900
Home Value
$1,966
Rent
1982
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 detached100.0%
  • 1-unit attached0.0%
  • 2-9 units0.0%
  • 10+ units0.0%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$649,900
Median rent$1,966
Owner-occupied88.6%
Vacant25.6%
Price-to-income5.5x
Est. income to buy$179,000