PlainZIP

Harwich, MA · standard

ZIP Code 02645

Barnstable County, Massachusetts - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

9,663
224/sq mi
$104,401
Median income
$648,200
Median home value
46.6%
Bachelor's or higher

The verdict

Harwich pairs an upper-quartile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 16%
household income, US ZIPs
Top 8%
home value, US ZIPs
224
people per sq mi
84%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 02645 against every reporting US ZIP.

ZIP code 02645 is a mid-sized community (a standard USPS delivery area) in Harwich, Barnstable County, Massachusetts, home to 9,663 residents across 43.1 square miles, a density of 224 people per square mile, in the New York time zone.

ZIP 02645 lands in the middle-income range, with a median household income of $104,401 (10% below the Massachusetts average), while per-capita income is $61,533. Poverty here runs at 4.5%, with unemployment measured at 3.3%. Median home value sits at $648,200 (8% above the state average), median rent at $1,804 a month, and owner-occupancy at 84.4%.

A solid share of residents have a four-year degree: 46.6% of adults hold a bachelor's degree or higher, the median age is 57.3, and the average commute is 24 minutes. To put 02645 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Barnstable County, for a geography-aware comparison.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 02645

Top 5 sectors by establishment count in Harwich, MA

Which industries have the most business establishments in ZIP 02645.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 02645, Harwich, MA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

9,663

Population

43.1

Area (sq mi)

224

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 02645?

57.3

Median Age

49.7%

Male

50.3%

Female

4.0%

Foreign-Born

White 93.3%
African American 0.2%
Asian 1.6%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 3.5%
Hispanic or Latino 1.3%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$104,401

Median Household Income

-10% vs state

$61,533

Per Capita Income

4.5%

Poverty Rate

3.3%

Unemployment Rate

24.4 min

Mean Commute Time

How ZIP 02645 ranks nationally

Harwich, MA household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$104,401 Top 16% higher than 84% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 70.2%
Bachelor's Degree or Higher 46.6%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

6,578

Total Housing Units

5,169

Occupied Units

1,409

Vacant Units

2.14

Avg Household Size

Occupancy Type

Owner 84.4%
Renter 15.6%

$648,200

Median Home Value

+8% vs state

$1,804

Median Rent

1982

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

+16.0%

YoY Change (2024)

331

HPI Index (2000 = 100)

+231%

Total Change Since 2000

Home values in ZIP 02645 have increased 16.0% over the past year (2024). Since 2000, this ZIP has seen +231% cumulative appreciation.

Year Annual Change HPI Index
2020 +2.9% 205
2021 +14.8% 235
2022 +15.3% 271
2023 +5.2% 285
2024 +16.0% 331

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 278 business establishments in ZIP 02645, employing approximately 2,129 people with a combined annual payroll of $134,589,000.

278

Businesses

2,129

Employees

$134.6M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Construction 75 27.0%
Administrative and support and waste management and remediation services 43 15.5%
Retail trade 31 11.2%
Health care and social assistance 28 10.1%
Other services (except public administration) 22 7.9%
Accommodation and food services 20 7.2%
Professional, scientific, and technical services 17 6.1%
Real estate and rental and leasing 8 2.9%
Wholesale trade 6 2.2%
Manufacturing 5 1.8%
Finance and insurance 5 1.8%
Arts, entertainment, and recreation 5 1.8%
Information 4 1.4%
Educational services 4 1.4%
Transportation and warehousing 3 1.1%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 02645 vs 02646 →

ZIP 02645 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 02645 ranks #2 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 02645 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 02645 ranks #3 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
02646 Harwich Port, MA 1,676 2.4 mi
02631 Brewster, MA 9,679 3.0 mi
02659 South Chatham, MA 1,108 2.5 mi
02671 West Harwich, MA 1,023 3.4 mi
02660 South Dennis, MA 6,261 4.8 mi
02650 North Chatham, MA 848 4.9 mi
02669 West Chatham, MA 285 4.2 mi
02633 Chatham, MA 3,884 4.7 mi
02639 Dennis Port, MA 2,875 4.6 mi
02641 East Dennis, MA 532 5.7 mi

More ZIP Codes in Barnstable County

02536 standard
East Falmouth, MA
Pop: 19,583
02601 standard
Hyannis, MA
Pop: 14,089
02649 standard
Mashpee, MA
Pop: 14,006
02532 standard
Buzzards Bay, MA
Pop: 12,690
02632 standard
Centerville, MA
Pop: 10,742
02563 standard
Sandwich, MA
Pop: 10,359

Related Areas

Barnstable County Harwich, MA Massachusetts

Frequently Asked Questions

What county is ZIP code 02645 in? ▼
ZIP code 02645 (Harwich) is located in Barnstable County, Massachusetts. Barnstable County contains multiple ZIP codes, see the full list at /counties/barnstable-ma.
What is the population of ZIP code 02645? ▼
ZIP code 02645 in Harwich, MA has a population of 9,663 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 02645? ▼
The median household income in ZIP 02645 is $104,401, which is 37% above the national average of $76,288.
What is the average home value in ZIP 02645? ▼
The median home value in ZIP 02645 is $648,200, which is 133% above the national average of $278,155.
What is the demographic makeup of ZIP 02645? ▼
The largest racial group in ZIP 02645 is White at 93.3%. Hispanic or Latino residents make up 1.3% of the population.
How many businesses are in ZIP code 02645? ▼
ZIP code 02645 has 278 business establishments employing approximately 2,129 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 02645? ▼
The top industries by establishment count in ZIP 02645 are: Construction (75), Administrative and support and waste management and remediation services (43), Retail trade (31). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 02645? ▼
According to the FHFA House Price Index, home values in ZIP 02645 increased by 16.0% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 231%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 02645? ▼
In ZIP code 02645, 70.2% of residents aged 25+ have a high school diploma or higher, and 46.6% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 02645? ▼
The mean commute time for workers in ZIP code 02645 is 24.4 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 02645? ▼
In ZIP code 02645, approximately 84.4% of occupied housing units are owner-occupied and 15.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 02645? ▼
The poverty rate in ZIP code 02645 is 4.5% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.