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White Island Shores CDP, MA

ZIP 02538 — Housing & Real Estate

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

Upper Middle ClassLow Snow Area

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 02538

Median Home Value
$347,300
Median Rent
$1,334
Affordability Snapshot
$96,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$2,231/mo PITI).

14%
Rent-to-Income Ratio

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

3.1x
Home Price-to-Income Ratio

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

21.7 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 02538 in White Island Shores CDP, MA, a household would need roughly $96,000 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 $2,231. That sits below the local median household income ($110,882), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

Housing Tenure

Owner-occupied majority; balanced tenure mix.

Heating Fuel
Housing Metrics
Owner Occupied
75.2%+15% vs US avg
x
Vacancy Rate
5.5%-46% vs US avg
x
Broadband Access
93.7%+8% vs US avg
x
4+ Bedrooms
1.1%-92% vs US avg
x
Built Pre-1939
10.3%-20% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
27.6%-44% vs US avg
x
Mortgage-Free
26.3%-31% vs US avg
x
$347,300
Home Value
$1,334
Rent
1968
Year Built
2013
Moved In

Residents have lived here since ~2013 on average

Housing Structure

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

  • 1-unit detached81.2%
  • 1-unit attached3.9%
  • 2-9 units1.2%
  • 10+ units3.8%
  • Mobile home & other9.9%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$347,300
Median rent$1,334
Owner-occupied75.2%
Vacant5.5%
Price-to-income3.1x
Est. income to buy$96,000