ZIP Code 02632 — Barnstable, MA Home Prices (2026)
The typical home in ZIP 02632 (Barnstable, Massachusetts) is worth about $695,000 at roughly $458 per square foot — 18% more affordable than the Barnstable median and 136% more expensive than the typical U.S. home.
How 02632 compares
ZIP 02632 is one of the more affordable ZIP codes in Barnstable: its typical home value of $695,000 ranks #6 of the 7 Barnstable ZIP codes we track (the citywide range runs from $566,000 in 02601 to $1,238,000 in 02655). Per square foot it costs about $458, against $515 for Barnstable as a whole, $361 for Massachusetts, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 02632 | $695,000 | $458 |
| Barnstable, MA | $843,000 | $515 |
| Massachusetts | $631,000 | $361 |
| United States | $294,000 | $195 |
Home value by size in 02632
Using this ZIP’s rate of about $458 per square foot. Condition, lot, and the exact street move these meaningfully — use the estimator below for a home-specific figure.
| Home size | Estimated value |
|---|---|
| 1,000 sq ft | $458,000 |
| 1,500 sq ft | $687,000 |
| 2,000 sq ft | $916,000 |
| 2,500 sq ft | $1,145,000 |
| 3,000 sq ft | $1,374,000 |
Salary needed to buy a home in ZIP 02632
To buy the typical $695,000 home in ZIP 02632 with 20% down, you need a household income of roughly $189,000 a year (about $4,410 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $225,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $34,800 | $5,480/mo | $235,000/yr |
| 10% (+PMI) | $69,500 | $5,240/mo | $225,000/yr |
| 20% | $139,000 | $4,410/mo | $189,000/yr |
Assumes a 30-year fixed mortgage at 6.5%, property tax at 1.1% and insurance at 0.45% of value per year, PMI of 0.75% on loans with less than 20% down, and the standard 28% housing-to-income rule. Your rate, taxes, and HOA will move these — run your own numbers in the mortgage calculator.
What your budget buys in ZIP 02632
At about $458 per square foot, here is roughly how much home different budgets get you in ZIP 02632:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $400k | 870 sq ft | below the local median — condos, smaller or older homes |
| $500k | 1090 sq ft | below the local median — condos, smaller or older homes |
| $600k | 1310 sq ft | around the typical home here |
| $750k | 1640 sq ft | around the typical home here |
| $1.00M | 2180 sq ft | above the median — larger homes or the pricier ZIPs |
Wondering where that budget goes further? The relocation calculator ranks hundreds of U.S. cities by what the same money buys — it opens pre-filled with a typical 02632 home.
Estimate a specific home in 02632
The estimator below is pre-set to ZIP 02632 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Barnstable ZIP codes by home value
Where 02632 sits among Barnstable’s 7 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 02655 | $1,238,000 | $706 |
| 2 | 02635 | $880,000 | $619 |
| 3 | 02630 | $873,000 | $618 |
| 4 | 02668 | $843,000 | $515 |
| 5 | 02648 | $698,000 | $410 |
| 6 | 02632 (this page) | $695,000 | $458 |
| 7 | 02601 | $566,000 | $387 |
ZIP 02632 home prices: frequently asked
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See the full Barnstable home values page, all Massachusetts cities, or price per square foot by ZIP code nationwide.
Directional estimates from public market data (Realtor.com & Zillow research), not appraisals. A single ZIP contains very different homes; actual values vary and change over time.