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Cambridge city, MA

ZIP 02141 — Housing & Real Estate

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

Upper Middle ClassLow Snow AreaRemote Work Hub

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 02141

Median Home Value
$892,600
Median Rent
$2,606
Affordability Snapshot
$246,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$5,734/mo PITI).

26%
Rent-to-Income Ratio

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

7.4x
Home Price-to-Income Ratio

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

28.5 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 02141 in Cambridge city, MA, a household would need roughly $246,000 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 $5,734. That is about 104% above the local median household income ($120,542), 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

Vacancy rate 11% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
27.3%-58% vs US avg
x
Vacancy Rate
11.0%+7% vs US avg
x
Broadband Access
93.3%+7% vs US avg
x
4+ Bedrooms
0.7%-95% vs US avg
x
Built Pre-1939
2.5%-81% vs US avg
x
Built Post-2014
1.8%-74% vs US avg
x
Rent Burden >30%
19.7%-60% vs US avg
x
Mortgage-Free
34.0%-11% vs US avg
x
$892,600
Home Value
$2,606
Rent
1977
Year Built
2019
Moved In

Residents have lived here since ~2019 on average

Housing Structure

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

  • 1-unit detached5.7%
  • 1-unit attached5.2%
  • 2-9 units42.5%
  • 10+ units46.5%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$892,600
Median rent$2,606
Owner-occupied27.3%
Vacant11.0%
Price-to-income7.4x
Est. income to buy$246,000