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ZIP 04104 — Housing & Real Estate

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

Working Class

Home values, rent, tenure, and housing stock

Housing & Real Estate in ZIP Code 04104

Median Home Value
$730,600
Median Rent
$1,266
Affordability Snapshot
$201,000
Est. income to buy

Household income needed for a median home under a 20% down / 6.8% illustrative mortgage model (~$4,693/mo PITI).

28%
Rent-to-Income Ratio

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

13.5x
Home Price-to-Income Ratio

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

48.1 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 04104, a household would need roughly $201,000 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 $4,693. That is about 273% above the local median household income ($53,948), 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
16.8%-74% vs US avg
x
Vacancy Rate
3.9%-62% vs US avg
x
Broadband Access
85.5%-2% vs US avg
x
4+ Bedrooms
0.0%
x
Built Pre-1939
2.1%-84% vs US avg
x
Built Post-2014
0.0%
x
Rent Burden >30%
10.8%-78% vs US avg
x
Mortgage-Free
68.9%+80% vs US avg
x
$730,600
Home Value
$1,266
Rent
1938
Year Built
2018
Moved In

Residents have lived here since ~2018 on average

Housing Structure

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

  • 1-unit detached5.4%
  • 1-unit attached1.5%
  • 2-9 units52.0%
  • 10+ units41.1%
  • Mobile home & other0.0%

Housing & Real Estate key statistics

Housing statistics
Housing
Median home value$730,600
Median rent$1,266
Owner-occupied16.8%
Vacant3.9%
Price-to-income13.5x
Est. income to buy$201,000