Skip to main content

Area data

Harwich, MA — ZIP 02645

Population: 11,288 (Census ACS)

The typical home value in ZIP 02645 (Harwich, MA) is $768,890 — up 3.5% over the past year. Homes sell for a median $771,750 after a median 16 days on market. 4 schools serve the area (NCES). FEMA's National Risk Index rates the county's overall natural-hazard risk Relatively Moderate, with coastal flooding, hurricane, lightning the top-rated hazards. Cost of living is 5.8% above the US average (BEA, metro/state-level).

Backed by 25+ public sourcesFEMA · U.S. Census · NOAA · Dept. of Education · EPA · and more

$768,890

Typical home value

+3.5%

1-year change

16

Median days on market

Relatively Moderate

Hazard risk (county)

Home values & appreciation

Typical home value
$768,890
1-year appreciation
+3.5%
3-year appreciation
+10.2%
5-year appreciation
+33.6%
10-year appreciation
+99.8%
Peak value since 2000 (Aug 2026)
$768,890
House Price Index (state)
493.1 (+3.6% YoY)

Sources: home value index (ZIP-level) · FHFA House Price Index (state-level)

Market activity

Median sale price
$771,750
Median list price
$737,000
Median price per sqft
$483
1-year sale-price change
+10.6%
Median days on market
16 days
Homes sold (recent period)
38
For-sale inventory
38
Sale-to-list ratio
99.6%
Active listings
23
1-year forecast
+2.6%
Days to pending
24 days
New listings (monthly)
15

Source: recent area sales and market data (ZIP-level)

Rents

Studio fair-market rent
$1,889/mo
1BR fair-market rent
$1,902/mo
2BR fair-market rent
$2,488/mo
3BR fair-market rent
$3,121/mo
4BR fair-market rent
$3,721/mo

Sources: market rent index (ZIP-level) · HUD Fair Market Rents (metro/county-level, 40th-percentile regulatory reference)

Affordability

Cost of living index (Above Average)
105.8 (100 = US avg)
Electricity rate (state-level)
30.5¢/kWh
Natural gas rate (state-level)
$25.10/MCF
30-year mortgage rate (national)
7.40%
15-year mortgage rate (national)
6.73%

Sources: BEA Regional Price Parities (metro/state-level) · EIA energy rates (state-level) · Freddie Mac PMMS (national)

Schools

Total schools
4
Elementary schools
1
Middle schools
1
High schools
2
Charter schools
1
Avg student-teacher ratio
11.1 : 1
School districts serving the area
Cape Cod Lighthouse Charter, Monomoy Regional School District, Cape Cod Regional Vocational Technical
Schools include
Cape Cod Lighthouse Charter School, Harwich Elementary School, Monomoy Regional High School, Cape Cod Region Vocational Technical

Source: NCES school directory, 2024-25 (school-address-based)

Natural hazards & flood risk

Overall hazard risk (county)
Relatively Moderate
Top hazards (county)
coastal flooding, hurricane, lightning, inland flooding, strong wind
Notable hazard ratings (county)
coastal flooding: Very High · hurricane: Relatively High · lightning: Relatively High · strong wind: Relatively Moderate · inland flooding: Relatively Moderate · hail: Relatively Low
Most common flood zone among NFIP claims
Zone C
NFIP flood claims on record
11
Wildfire risk to homes (county)
Higher than 17% of US counties
Buildings in wildfire direct-exposure zone
29.4%
Radon potential (county)
Moderate radon potential — EPA Zone 2 of 3
EPA Superfund (NPL) sites within 5 mi
None
Nearest Superfund site
Otis Air National Guard Base/Camp Edwards (24.3 mi)
Flood zones vary by property. Look up a specific address on the FEMA Flood Map Service Center.
EPA recommends radon testing for every home regardless of zone.

Sources: FEMA National Risk Index (county-level) · FEMA NFIP flood-insurance claims (ZIP-level) · USDA Forest Service Wildfire Risk to Communities (county-level) · EPA radon zones + Superfund NPL

Climate (30-year normals)

Average annual temperature
50.0°F
Average high
57.0°F
Average low
44.0°F
Annual precipitation
46.3 in
Annual snowfall
12.7 in
USDA plant hardiness zone
7b (extreme annual low 5 to 10°F)

Sources: NOAA Climate Normals (30-year, nearest-station) · USDA Plant Hardiness Zone Map (2023)

Air quality

Air quality rating
Good
Median AQI (annual)
36
Days with Good air quality
341
Days with Moderate air quality
20
Highest AQI recorded (year)
129

Source: EPA annual air quality index (county-level)

Walkability & transit

Walkability index
6.8 / 20
Transit service frequency
-99,999
Jobs reachable by car (30 min)
6,477
Jobs reachable by transit (45 min)
8,829

Source: EPA Smart Location Database (metropolitan block groups)

Amenities

National parks within ~60 mi
2
Nearest national park
Cape Cod National Seashore (15 mi)
National parks include
Cape Cod National Seashore, New Bedford Whaling National Historical Park
Airports within 30 mi
7
Nearest airport
Chatham Municipal Airport (4 mi)
Nearest major airport
Cape Cod Gateway Airport (HYA) (12 mi)
Hospitals in or near this ZIP
6
Hospitals include
CAPE COD HOSPITAL, BETH ISRAEL DEACONESS HOSPITAL PLYMOUTH, FALMOUTH HOSPITAL
Avg hospital rating (CMS)
3.4 / 5
Best hospital rating nearby (CMS)
4.0 / 5
Solar radiation rating
Fair (3.8 kWh/m²/day)

Sources: National Park Service · FAA airport data · CMS hospital data (same ZIP, else within ~40 mi) · DOE/NREL (proximity-based)

Migration

Net migration (county)
+94 tax filers

Source: IRS SOI county-to-county migration (county-level; published with a multi-year lag)

Housing stock

Median year housing built
1982
Housing built before 1970
29.7%
Housing built 2000 or later
17.9%
Median annual property tax
$4,071
Mean commute to work
21 min
Households with broadband internet
85.3%

Source: Census ACS 5-year estimates (ZIP-level)

Employment & development

Total county employment
81,795
Average weekly wage
$1,243
Top industries (by employment)
Accommodation & Food, Health Care, Construction
Annual residential building permits (county)
630

Sources: BLS QCEW (county-level) · Census Building Permits (county-level)

How it compares

ZIP 02645State medianUS median
Typical home value$768,890$618,851$288,527
Median sale price$771,750$585,000$325,000
Median days on market16 days27 days51 days
Median annual property tax$4,071$5,436$2,006

State and US medians are computed across all US ZIP codes with sufficient public-data coverage, from the same sources as the figures above.

Area data compiled from public government, academic, and industry research feeds. Data sources →

Common questions

What is the typical home value in ZIP 02645?
$768,890.
What is the median sale price in ZIP 02645?
$771,750.
How long do homes take to sell in ZIP 02645?
Median days on market: 16 days.
What is typical rent in ZIP 02645?
2-bedroom fair-market rent: $2,488/month (HUD FMR — a 40th-percentile regulatory reference, not market-observed).
What is the natural-hazard risk in ZIP 02645?
Overall risk: Relatively Moderate (FEMA NRI, county-level). Top hazards: coastal flooding, hurricane, lightning, inland flooding, strong wind.
Is ZIP 02645 in a flood zone?
Flood zones vary by property within ZIP 02645. 11 FEMA flood-insurance (NFIP) claims are on record; the most common zone among them is C. Check a specific address on the FEMA Flood Map Service Center.
What is the wildfire risk in ZIP 02645?
Risk to homes is higher than 17% of US counties (USDA Forest Service Wildfire Risk to Communities, county-level).
What is the radon potential in ZIP 02645?
Moderate radon potential — EPA Zone 2 of 3, county-level. EPA recommends testing every home regardless of zone.
Are there Superfund sites near ZIP 02645?
No current or proposed National Priorities List sites within 5 miles (EPA).
How many schools serve ZIP 02645?
4 schools (1 elementary, 1 middle, 2 high) (NCES, 2024-25).
Is ZIP 02645 walkable?
Walkability index: 6.8/20 (EPA Smart Location Database).
What is the air quality in ZIP 02645?
Good. Median AQI: 36. (EPA AQI).
What is the cost of living in ZIP 02645?
Regional Price Parity: 105.8 (100 = US average) (Above Average) (BEA RPP, metro/state-level).

Nearby ZIP codes

Listing a home in Harwich, MA?

REAIGENT7 gives every listing its own AI assistant grounded in this same public data — it answers buyer and renter questions about the home and the area, around the clock, and sends every lead to the listing agent. Agents: it installs on your listing page, your website, or WordPress.

Data last updated

Most recent source refresh: Oct 2026. See all data sources →

Data compiled by REAIGENT7 — AI listing platform for real estate agents