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Lowell city, MA

ZIP 01852 — 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 01852

Median Home Value
$397,200
Median Rent
$1,343
Affordability Snapshot
$109,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,552/mo PITI).

21%
Rent-to-Income Ratio

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

5.2x
Home Price-to-Income Ratio

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

24.6 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 01852 in Lowell city, MA, a household would need roughly $109,000 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 $2,552. That is about 41% above the local median household income ($77,058), 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
46.2%-29% vs US avg
x
Vacancy Rate
3.6%-65% vs US avg
x
Broadband Access
86.5%-1% vs US avg
x
4+ Bedrooms
3.4%-77% vs US avg
x
Built Pre-1939
4.2%-67% vs US avg
x
Built Post-2014
0.3%-95% vs US avg
x
Rent Burden >30%
21.5%-57% vs US avg
x
Mortgage-Free
29.1%-24% vs US avg
x
$397,200
Home Value
$1,343
Rent
1955
Year Built
2015
Moved In

Residents have lived here since ~2015 on average

Housing Structure

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

  • 1-unit detached30.0%
  • 1-unit attached6.3%
  • 2-9 units28.1%
  • 10+ units34.9%
  • Mobile home & other0.6%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$397,200
Median rent$1,343
Owner-occupied46.2%
Vacant3.6%
Price-to-income5.2x
Est. income to buy$109,000