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 High-density area
- $104,401
- Median income Above-median income area
- $648,200
- Median home value Above-median home value
- 46.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
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.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 02645 (Harwich, MA) rose +16.0% from 2023 to 2024. The all-transactions index moved from 285.4 in 2023 to 331.0 in 2024 (2000 = 100).
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 average Massachusetts ZIP), while per-capita income is $61,533. Both reported hardship measures are comparatively low in absolute terms: poverty is 4.5% and unemployment is 3.3%. Median home value is $648,200 (8% above the average Massachusetts ZIP) and median rent is $1,804; 84.4% of occupied homes are owner-occupied.
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. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Barnstable County, so 02645 can be compared with both its immediate and county-level context.
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.
- Construction
Construction
75 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
43 establishments
- Retail trade
Retail trade
31 establishments
- Health care and social assistance 28
Health care and social assistance
28 establishments
- Other services (except public administration) 22
Other services (except public administration)
22 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, 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
Who lives in ZIP 02645?
57.3
Median Age
49.7%
Male
50.3%
Female
4.0%
Foreign-Born
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 ZIP avg
$61,533
Per Capita Income
4.5%
Poverty Rate
3.3%
Unemployment Rate
24.4 min
Mean Commute Time
How ZIP 02645 ranks among Massachusetts ZIPs
Harwich, MA household income vs. every Massachusetts ZIP code
Median household income among 505 reporting Massachusetts ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$104,401 44th percentile higher than 44% of 505 Massachusetts ZIPs
Each bar is a $20K-wide band; taller bars hold more Massachusetts 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
6,578housing units
6,578
Total Housing Units
5,169
Occupied Units
1,409
Vacant Units
2.14
Avg Household Size
Occupancy Type
$648,200
Median Home Value
+8% vs state ZIP avg
$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.
- 02631
Brewster (02631)
9,679 residents
- 02645
Harwich (02645)
9,663 residents
- 02660
South Dennis (02660)
6,261 residents
- 02633
Chatham (02633)
3,884 residents
- 02639 2,875
Dennis Port (02639)
2,875 residents
- 02646 1,676
Harwich Port (02646)
1,676 residents
- 02659 1,108
South Chatham (02659)
1,108 residents
- 02671 1,023
West Harwich (02671)
1,023 residents
- 02650 848
North Chatham (02650)
848 residents
What this shows Among its immediate neighbors, ZIP 02645 ranks #2 by population - useful context the national average alone can't give.
ZIP 02645 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 02659
South Chatham (02659)
$109,453 median income
- 02671
West Harwich (02671)
$104,583 median income
- 02645
Harwich (02645)
$104,401 median income
- 02631
Brewster (02631)
$102,132 median income
- 02660
South Dennis (02660)
$93,386 median income
- 02633
Chatham (02633)
$85,483 median income
- 02646
Harwich Port (02646)
$81,172 median income
- 02639
Dennis Port (02639)
$72,567 median income
- 02650
North Chatham (02650)
$66,548 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.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 02645, both outside MA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (9,663 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Barnstable County
Related Areas
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.
Related
Take this with you
What to do with ZIP 02645's numbers, next.
- See how ZIP 02645 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Harwich, MA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.