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Lowell city, MA

ZIP 01850 — Housing & Real Estate

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

Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 01850

Median Home Value
$367,200
Median Rent
$1,431
Affordability Snapshot
$101,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,359/mo PITI).

25%
Rent-to-Income Ratio

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

5.4x
Home Price-to-Income Ratio

Well above the 3-5x guideline — challenging for first-time buyers.

21.4 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 01850 in Lowell city, MA, a household would need roughly $101,000 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 $2,359. That is about 49% above the local median household income ($67,581), 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

Diverse housing tenure.

Heating Fuel
Housing Metrics
Owner Occupied
49.9%-24% vs US avg
x
Vacancy Rate
2.5%-76% vs US avg
x
Broadband Access
84.2%-3% vs US avg
x
4+ Bedrooms
9.1%-39% vs US avg
x
Built Pre-1939
4.8%-62% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
34.9%-30% vs US avg
x
Mortgage-Free
29.6%-22% vs US avg
x
$367,200
Home Value
$1,431
Rent
1938
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 detached39.3%
  • 1-unit attached3.3%
  • 2-9 units43.9%
  • 10+ units12.5%
  • Mobile home & other0.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$367,200
Median rent$1,431
Owner-occupied49.9%
Vacant2.5%
Price-to-income5.4x
Est. income to buy$101,000