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ZIP 04098
Housing & Real Estate

ZIP 04098 — Housing & Real Estate

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

Middle ClassRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 04098

Median Home Value

$299,700

Median Rent

$993

Affordability Snapshot

$82,000

Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$1,925/mo PITI).

14%

Rent-to-Income Ratio

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

3.5x

Home Price-to-Income Ratio

Within the typical 3-5x range for home affordability.

25.2 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 04098, a household would need roughly $82,000 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 $1,925. That is roughly in line with the local median household income ($85,757). 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

54.3%-17% vs US avg

Vacancy Rate

1.2%-88% vs US avg

Broadband Access

83.0%-5% vs US avg

4+ Bedrooms

0.7%-96% vs US avg

Built Pre-1939

4.3%-66% vs US avg

Built Post-2014

3.5%-49% vs US avg

Rent Burden >30%

8.5%-83% vs US avg

Mortgage-Free

20.7%-46% vs US avg

$299,700

Home Value

$993

Rent

1956

Year Built

2014

Moved In

Residents have lived here since ~2014 on average

Housing Structure

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

1-unit detached38.3%
1-unit attached16.8%
2-9 units28.7%
10+ units16.2%
Mobile home & other0.0%

ZIP 04098 — Housing & Real Estate

Housing & Real Estate in ZIP Code 04098

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