ZIP Code 02045 — Hull CDP, MA Demographics & Data

ZIP code 02045 covers Hull, MA in Plymouth County with a population of about 10,098.

At a glance, the area shows median age of 55.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 339, 781; U.S. House district MA-8; the BOSTON (MANCHESTER) media market.

Hull, MA fits a retirement-oriented profile (older median age or known retirement-community context). 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 02045 is about $127,112 — about 69% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 5.3%; unemployment rate near 4.4%; 51.7% of adults with a bachelor’s degree or higher (about 18.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Retail trade, and Healthcare; about 19.1% of workers reporting work-from-home (about 3.9 points above 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 $606,100 — about 74% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,696 (about 46% above the U.S. median rent ($1,163)), and owner-occupancy near 81.1% (about 15.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 02045 in Hull, MA, a household would need roughly $167,000 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 $3,893. That is about 31% above the local median household income ($127,112), 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 Hull CDP, MA as Relatively Moderate (composite score 90.4), which is among the highest nationally. The strongest component scores on US5 are flood (92.9) and hurricane (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 Hull CDP, MA show little to no average snow and around 52.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 477 for ZIP 02045 (Hull CDP, 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.