US5.com
  1. Home
  2. States
  3. Massachusetts
  4. ZIP 02645
  5. Housing & Real Estate
East Harwich CDP, MA

ZIP 02645 — 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 02645

Median Home Value
$581,200
Median Rent
$1,514
Affordability Snapshot
$160,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$3,733/mo PITI).

20%
Rent-to-Income Ratio

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

6.5x
Home Price-to-Income Ratio

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

32.0 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 02645 in East Harwich CDP, MA, a household would need roughly $160,000 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 $3,733. That is about 78% above the local median household income ($89,898), 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 28% — check local market conditions.

Heating Fuel
Housing Metrics
Owner Occupied
83.2%+27% vs US avg
x
Vacancy Rate
28.4%+176% vs US avg
x
Broadband Access
94.8%+9% vs US avg
x
4+ Bedrooms
3.3%-78% vs US avg
x
Built Pre-1939
1.9%-85% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
27.1%-46% vs US avg
x
Mortgage-Free
35.8%-6% vs US avg
x
$581,200
Home Value
$1,514
Rent
1980
Year Built
2009
Moved In

Residents have lived here since ~2009 on average

Housing Structure

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

  • 1-unit detached93.2%
  • 1-unit attached2.4%
  • 2-9 units2.9%
  • 10+ units1.3%
  • Mobile home & other0.1%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$581,200
Median rent$1,514
Owner-occupied83.2%
Vacant28.4%
Price-to-income6.5x
Est. income to buy$160,000