ZIP Code 02659 — Chatham, MA Home Prices (2026)
The typical home in ZIP 02659 (Chatham, Massachusetts) is worth about $1,009,000 at roughly $570 per square foot — 26% more affordable than the Chatham median and 243% more expensive than the typical U.S. home.
How 02659 compares
ZIP 02659 is one of the more affordable ZIP codes in Chatham: its typical home value of $1,009,000 ranks #3 of the 3 Chatham ZIP codes we track (the citywide range runs from $1,009,000 in 02659 to $2,061,000 in 02650). Per square foot it costs about $570, against $701 for Chatham as a whole, $361 for Massachusetts, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 02659 | $1,009,000 | $570 |
| Chatham, MA | $1,361,000 | $701 |
| Massachusetts | $631,000 | $361 |
| United States | $294,000 | $195 |
Home value by size in 02659
Using this ZIP’s rate of about $570 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 | $570,000 |
| 1,500 sq ft | $855,000 |
| 2,000 sq ft | $1,140,000 |
| 2,500 sq ft | $1,425,000 |
| 3,000 sq ft | $1,710,000 |
Salary needed to buy a home in ZIP 02659
To buy the typical $1,009,000 home in ZIP 02659 with 20% down, you need a household income of roughly $275,000 a year (about $6,410 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $326,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $50,500 | $7,960/mo | $341,000/yr |
| 10% (+PMI) | $100,900 | $7,610/mo | $326,000/yr |
| 20% | $201,800 | $6,410/mo | $275,000/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 02659
At about $570 per square foot, here is roughly how much home different budgets get you in ZIP 02659:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $500k | 880 sq ft | below the local median — condos, smaller or older homes |
| $600k | 1050 sq ft | below the local median — condos, smaller or older homes |
| $750k | 1320 sq ft | below the local median — condos, smaller or older homes |
| $1.00M | 1750 sq ft | around the typical home here |
| $1.50M | 2630 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 02659 home.
Estimate a specific home in 02659
The estimator below is pre-set to ZIP 02659 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All Chatham ZIP codes by home value
Where 02659 sits among Chatham’s 3 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 02650 | $2,061,000 | $701 |
| 2 | 02633 | $1,361,000 | $884 |
| 3 | 02659 (this page) | $1,009,000 | $570 |
ZIP 02659 home prices: frequently asked
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See the full Chatham 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.