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Cochituate CDP, MA

ZIP 01778 — Housing & Real Estate

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

Wealthy AreaLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 01778

Median Home Value
$935,700
Median Rent
$1,306
Affordability Snapshot
$258,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$6,011/mo PITI).

7%
Rent-to-Income Ratio

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

4.3x
Home Price-to-Income Ratio

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

59.7 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 01778 in Cochituate CDP, MA, a household would need roughly $258,000 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 $6,011. That is about 18% above the local median household income ($219,531), 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

Mostly owner-occupied, low vacancy — stable housing market.

Heating Fuel
Housing Metrics
Owner Occupied
90.5%+38% vs US avg
x
Vacancy Rate
3.0%-71% vs US avg
x
Broadband Access
97.8%+12% vs US avg
x
4+ Bedrooms
12.4%-16% vs US avg
x
Built Pre-1939
6.8%-47% vs US avg
x
Built Post-2014
0.2%-97% vs US avg
x
Rent Burden >30%
17.7%-64% vs US avg
x
Mortgage-Free
33.5%-12% vs US avg
x
$935,700
Home Value
$1,306
Rent
1962
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached79.8%
  • 1-unit attached8.8%
  • 2-9 units7.1%
  • 10+ units4.3%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$935,700
Median rent$1,306
Owner-occupied90.5%
Vacant3.0%
Price-to-income4.3x
Est. income to buy$258,000