HousingHandbookReference data

U.S. ZIP Code · MA02645

Barnstable County · Barnstable Town, MA

Typical home value

$763,126[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+2.4%
5-year / yr
+7.7%
10-year / yr
+6.8%

Relative price

vs U.S.
+168.6%
vs metro
-3.1%
vs state
+24.7%
ZIP 02645 location in MA
Location of ZIP 02645 in MA

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 02645 is worth $763,126 — 3.1% below the Barnstable Town, MA median. Over the past year, values have risen 2.4%. The effective property tax rate is 0.6%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
0.6%[3]
Typical annual tax
$4,951[3]

#Climate risk

FEMA National Risk Index ratings for Barnstable County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively Moderate[4]
Riverine flood
Relatively Moderate
Coastal flood
Very High
Wildfire
Very Low
Drought
Relatively Low
Heat wave
Relatively Low
Hurricane
Relatively High
Tornado
Relatively Low
Earthquake
Relatively Low
Winter weather
Relatively Low

#Who lives here

Population
11,288[3]
Median household income
$104,401[3]

#Migration

Household moves in and out of Barnstable County over a year, from IRS tax-return data.

Net migration
-317[5]
Moved in
6,259
Moved out
6,576

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
4
Elementary
1
Middle
1
High
2
  • Monomoy Regional High School

    High · Grades 8–12 · Monomoy Regional School District

    719 students

  • Cape Cod Region Vocational Technical

    High · Grades 9–12 · Cape Cod Regional Vocational Technical

    663 students

  • Harwich Elementary School

    Elementary · Grades PK–4 · Monomoy Regional School District

    464 students

  • Cape Cod Lighthouse Charter School

    Middle · Grades 6–8 · Cape Cod Lighthouse Charter (District)

    251 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield
Net yield (after ~40% expenses)
Annual rent

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$3,859
Loan principal$610,500
Down payment$152,625
Total interest paid$778,660

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio
Monthly cost to own$4,908
Monthly rent

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
75th percentile[1]
Rental yield
[2]
Property tax
56th percentile[3]

Frequently asked

How much is a home worth in ZIP code 02645?
The typical home in 02645 is worth $763,126, based on the Zillow Home Value Index.
Are home values rising in 02645?
Home values in 02645 are up 2.4% over the past year, and up 7.7% a year over five years.
What is the property tax rate in 02645?
The effective property tax rate in 02645 is 0.6% — roughly $4,951 a year on a typical home.
Who lives in 02645?
ZIP code 02645 has a population of 11,288 and a median household income of $104,401.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • Pocasset CDP, MA

    Typical home
    $775,276
    Gross yield
  • Brewster CDP, MA

    Typical home
    $787,463
    Gross yield
    3.4%
  • MA

    Typical home
    $731,070
    Gross yield
  • East Sandwich CDP, MA

    Typical home
    $807,009
    Gross yield
  • North Eastham CDP, MA

    Typical home
    $810,837
    Gross yield
  • East Falmouth CDP, MA

    Typical home
    $712,984
    Gross yield

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