ZIP Code 02635 — Barnstable, MA Home Prices (2026)
The typical home in ZIP 02635 (Barnstable, Massachusetts) is worth about $880,000 at roughly $619 per square foot — 4% more expensive than the Barnstable median and 199% more expensive than the typical U.S. home.
How 02635 compares
ZIP 02635 is one of the pricier ZIP codes in Barnstable: its typical home value of $880,000 ranks #2 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 $619, against $515 for Barnstable as a whole, $361 for Massachusetts, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 02635 | $880,000 | $619 |
| Barnstable, MA | $843,000 | $515 |
| Massachusetts | $631,000 | $361 |
| United States | $294,000 | $195 |
Home value by size in 02635
Using this ZIP’s rate of about $619 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 | $619,000 |
| 1,500 sq ft | $928,500 |
| 2,000 sq ft | $1,238,000 |
| 2,500 sq ft | $1,547,500 |
| 3,000 sq ft | $1,857,000 |
Salary needed to buy a home in ZIP 02635
To buy the typical $880,000 home in ZIP 02635 with 20% down, you need a household income of roughly $239,000 a year (about $5,590 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $284,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $44,000 | $6,940/mo | $298,000/yr |
| 10% (+PMI) | $88,000 | $6,640/mo | $284,000/yr |
| 20% | $176,000 | $5,590/mo | $239,000/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 02635
At about $619 per square foot, here is roughly how much home different budgets get you in ZIP 02635:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $400k | 650 sq ft | below the local median — condos, smaller or older homes |
| $500k | 810 sq ft | below the local median — condos, smaller or older homes |
| $600k | 970 sq ft | below the local median — condos, smaller or older homes |
| $750k | 1210 sq ft | around the typical home here |
| $1.00M | 1620 sq ft | around the typical home here |
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 02635 home.
Estimate a specific home in 02635
The estimator below is pre-set to ZIP 02635 — 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 02635 sits among Barnstable’s 7 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 02655 | $1,238,000 | $706 |
| 2 | 02635 (this page) | $880,000 | $619 |
| 3 | 02630 | $873,000 | $618 |
| 4 | 02668 | $843,000 | $515 |
| 5 | 02648 | $698,000 | $410 |
| 6 | 02632 | $695,000 | $458 |
| 7 | 02601 | $566,000 | $387 |
ZIP 02635 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.