ZIP Code 01854 — Lowell, MA Home Prices (2026)

The typical home in ZIP 01854 (Lowell, Massachusetts) is worth about $487,000 at roughly $338 per square foot — 1% more expensive than the Lowell median and 66% more expensive than the typical U.S. home.

$487,000

Typical home value

$338

Price per sq ft

#2 of 4

Lowell ZIPs by value

+1%

vs Lowell median

How 01854 compares

ZIP 01854 is one of the pricier ZIP codes in Lowell: its typical home value of $487,000 ranks #2 of the 4 Lowell ZIP codes we track (the citywide range runs from $456,000 in 01850 to $532,000 in 01851). Per square foot it costs about $338, against $325 for Lowell as a whole, $361 for Massachusetts, and $195 nationally.

Area	Typical value	$ / sq ft
ZIP 01854	$487,000	$338
Lowell, MA	$484,000	$325
Massachusetts	$631,000	$361
United States	$294,000	$195

Home value by size in 01854

Using this ZIP’s rate of about $338 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	$338,000
1,500 sq ft	$507,000
2,000 sq ft	$676,000
2,500 sq ft	$845,000
3,000 sq ft	$1,014,000

Salary needed to buy a home in ZIP 01854

To buy the typical $487,000 home in ZIP 01854 with 20% down, you need a household income of roughly $132,000 a year (about $3,090 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $157,000, because the loan is bigger and mortgage insurance kicks in.

Down payment	Cash down	Monthly payment	Income needed
5% (+PMI)	$24,400	$3,840/mo	$165,000/yr
10% (+PMI)	$48,700	$3,670/mo	$157,000/yr
20%	$97,400	$3,090/mo	$132,000/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 01854

At about $338 per square foot, here is roughly how much home different budgets get you in ZIP 01854:

Budget	Approx. size	What that looks like locally
$250k	740 sq ft	below the local median — condos, smaller or older homes
$300k	890 sq ft	below the local median — condos, smaller or older homes
$400k	1180 sq ft	around the typical home here
$500k	1480 sq ft	around the typical home here
$600k	1780 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 01854 home.

Estimate a specific home in 01854

The estimator below is pre-set to ZIP 01854 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.

All Lowell ZIP codes by home value

Where 01854 sits among Lowell’s 4 ZIP codes:

#	ZIP code	Typical value	$ / sq ft
1	01851	$532,000	$312
2	01854 (this page)	$487,000	$338
3	01852	$481,000	$323
4	01850	$456,000	$326

ZIP 01854 home prices: frequently asked

What is the average home price in ZIP code 01854? +

The typical home in ZIP 01854 (Lowell, MA) is worth about $487,000 as of 2026. That is 1% more expensive than the Lowell median of $484,000 and 66% more expensive than the U.S. median of $294,000.

What is the price per square foot in 01854? +

About $338 per square foot in 01854, versus $325 across Lowell and $361 across Massachusetts. At that rate a 1,500 sq ft home runs roughly $507,000 and a 2,500 sq ft home about $845,000.

What salary do you need to buy a house in ZIP 01854? +

For the typical $487,000 home in ZIP 01854, a household income of about $132,000 a year covers the payment with 20% down (a 30-year fixed at 6.5%, plus taxes and insurance, under the 28% rule). With 10% down you need roughly $157,000; with 5% down about $165,000.

Is 01854 an expensive ZIP code? +

Within Lowell, 01854 ranks #2 of 4 ZIP codes by typical home value, which makes it one of the pricier ZIP codes in Lowell. Nationally it is relatively expensive.

See the full Lowell 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.