ZIP Code 02655 — Barnstable Town city, MA Demographics & Data

ZIP code 02655 covers Barnstable Town, MA in Barnstable County with a population of about 3,535.

At a glance, the area shows median age of 57.9 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.

Barnstable Town, MA fits a retirement-oriented profile (high share of residents 65+ (39.8%)). 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 02655 is about $100,927 — about 34% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.0%; unemployment rate near 1.6%; 58.1% of adults with a bachelor’s degree or higher (about 24.4 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Professional services; about 13.1% of workers reporting work-from-home (about 2.1 points below 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 $746,200 — about 114% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,635 (about 41% above the U.S. median rent ($1,163)), and owner-occupancy near 92.9% (about 27.5 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 02655 in Barnstable Town, MA, a household would need roughly $205,000 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 $4,793. That is about 103% above the local median household income ($100,927), 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 Barnstable Town city, 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 Barnstable Town city, MA show little to no average snow and around 45.7 inches of annual precipitation.

IRS migration statistics show a net inflow of about 167 for ZIP 02655 (Barnstable Town city, 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.