ZIP Code 02645 — East Harwich CDP, MA Demographics & Data

ZIP code 02645 covers East Harwich, MA in Barnstable County with a population of about 11,060.

At a glance, the area shows median age of 56.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 508, 774; U.S. House district MA-9; the BOSTON (MANCHESTER) media market.

East Harwich, MA fits a retirement-oriented profile (older median age or known retirement-community context). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 02645 is about $89,898 — about 20% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.6%; unemployment rate near 4.8%; 42.8% of adults with a bachelor’s degree or higher (about 9.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Education; about 14.6% of workers reporting work-from-home (roughly in line with the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $581,200 — about 67% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,514 (about 30% above the U.S. median rent ($1,163)), and owner-occupancy near 83.2% (about 17.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 02645 in East Harwich, MA, a household would need roughly $160,000 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 $3,733. That is about 78% above the local median household income ($89,898), 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.

FEMA’s National Risk Index rates natural-hazard risk for East Harwich CDP, MA as Relatively Moderate (composite score 89.1), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (94.5) and flood (90.7). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for East Harwich CDP, MA show little to no average snow and around 45.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 522 for ZIP 02645 (East Harwich CDP, MA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.