ZIP Code 02746 — New Bedford, MA Home Prices (2026)
The typical home in ZIP 02746 (New Bedford, Massachusetts) is worth about $441,000 at roughly $354 per square foot — 2% more affordable than the New Bedford median and 50% more expensive than the typical U.S. home.
How 02746 compares
ZIP 02746 is one of the more affordable ZIP codes in New Bedford: its typical home value of $441,000 ranks #3 of the 4 New Bedford ZIP codes we track (the citywide range runs from $432,000 in 02740 to $461,000 in 02745). Per square foot it costs about $354, against $328 for New Bedford as a whole, $361 for Massachusetts, and $195 nationally.
| Area | Typical value | $ / sq ft |
|---|---|---|
| ZIP 02746 | $441,000 | $354 |
| New Bedford, MA | $448,500 | $328 |
| Massachusetts | $631,000 | $361 |
| United States | $294,000 | $195 |
Home value by size in 02746
Using this ZIP’s rate of about $354 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 | $354,000 |
| 1,500 sq ft | $531,000 |
| 2,000 sq ft | $708,000 |
| 2,500 sq ft | $885,000 |
| 3,000 sq ft | $1,062,000 |
Salary needed to buy a home in ZIP 02746
To buy the typical $441,000 home in ZIP 02746 with 20% down, you need a household income of roughly $120,000 a year (about $2,800 a month for the mortgage, taxes, and insurance). With 10% down the bar rises to about $143,000, because the loan is bigger and mortgage insurance kicks in.
| Down payment | Cash down | Monthly payment | Income needed |
|---|---|---|---|
| 5% (+PMI) | $22,100 | $3,480/mo | $149,000/yr |
| 10% (+PMI) | $44,100 | $3,330/mo | $143,000/yr |
| 20% | $88,200 | $2,800/mo | $120,000/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 02746
At about $354 per square foot, here is roughly how much home different budgets get you in ZIP 02746:
| Budget | Approx. size | What that looks like locally |
|---|---|---|
| $200k | 560 sq ft | below the local median — condos, smaller or older homes |
| $250k | 710 sq ft | below the local median — condos, smaller or older homes |
| $300k | 850 sq ft | below the local median — condos, smaller or older homes |
| $400k | 1130 sq ft | around the typical home here |
| $500k | 1410 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 02746 home.
Estimate a specific home in 02746
The estimator below is pre-set to ZIP 02746 — pick your home’s size for an instant ballpark, then open the full calculator to adjust beds, baths, and condition.
All New Bedford ZIP codes by home value
Where 02746 sits among New Bedford’s 4 ZIP codes:
| # | ZIP code | Typical value | $ / sq ft |
|---|---|---|---|
| 1 | 02745 | $461,000 | $329 |
| 2 | 02744 | $456,000 | $327 |
| 3 | 02746 (this page) | $441,000 | $354 |
| 4 | 02740 | $432,000 | $278 |
ZIP 02746 home prices: frequently asked
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See the full New Bedford 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.