Osterville, MA · standard
ZIP Code 02655
Barnstable County, Massachusetts - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 3,518
- 208/sq mi High-density area
- $118,750
- Median income Above-median income area
- $806,300
- Median home value Above-median home value
- 60.7%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Osterville pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.
- Top 10%
- household income, US ZIPs
- Top 4%
- home value, US ZIPs
- 208
- people per sq mi
- 93%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 02655 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 02655 (Osterville, MA) rose +15.7% from 2023 to 2024. The all-transactions index moved from 322.4 in 2023 to 373.0 in 2024 (2000 = 100).
ZIP code 02655 covers 16.9 square miles in Osterville, Barnstable County, Massachusetts (a standard USPS delivery area), with a modest 3,518 residents on file, a density of 208 people per square mile, in the New York time zone.
ZIP 02655 skews affluent, with a median household income of $118,750 (3% above the average Massachusetts ZIP), while per-capita income is $101,734. Both reported hardship measures are comparatively low in absolute terms: poverty is 5.1% and unemployment is 1.6%. Housing is both higher-cost and owner-heavy: median home value is $806,300 (35% above the average Massachusetts ZIP), while 92.8% of occupied homes are owner-occupied and median rent is $1,869.
This is a highly-educated ZIP: 60.7% of adults hold a bachelor's degree or higher, the median age is 57.1, and the average commute is 20 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Barnstable County, so 02655 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 02655
Top 5 sectors by establishment count in Osterville, MA
Which industries have the most business establishments in ZIP 02655.
- Construction
Construction
50 establishments
- Retail trade
Retail trade
33 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
24 establishments
- Finance and insurance
Finance and insurance
20 establishments
- Health care and social assistance 19
Health care and social assistance
19 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 02655, Osterville, 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
3,518
Population
16.9
Area (sq mi)
208
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 02655?
57.1
Median Age
45.4%
Male
54.6%
Female
11.6%
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?
$118,750
Median Household Income
+3% vs state ZIP avg
$101,734
Per Capita Income
5.1%
Poverty Rate
1.6%
Unemployment Rate
20.3 min
Mean Commute Time
How ZIP 02655 ranks among Massachusetts ZIPs
Osterville, 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)
$118,750 Top 41% higher than 59% 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
3,046housing units
3,046
Total Housing Units
1,788
Occupied Units
1,258
Vacant Units
2.21
Avg Household Size
Occupancy Type
$806,300
Median Home Value
+35% vs state ZIP avg
$1,869
Median Rent
1979
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
+15.7%
YoY Change (2024)
373
HPI Index (2000 = 100)
+273%
Total Change Since 2000
Home values in ZIP 02655 have increased 15.7% over the past year (2024). Since 2000, this ZIP has seen +273% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +6.5% | 208 |
| 2021 | +16.0% | 241 |
| 2022 | +10.7% | 267 |
| 2023 | +20.6% | 322 |
| 2024 | +15.7% | 373 |
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 222 business establishments in ZIP 02655, employing approximately 1,679 people with a combined annual payroll of $116,383,000.
222
Businesses
1,679
Employees
$116.4M
Annual Payroll
14
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 50 | 22.5% |
| Retail trade | 33 | 14.9% |
| Professional, scientific, and technical services | 24 | 10.8% |
| Finance and insurance | 20 | 9.0% |
| Health care and social assistance | 19 | 8.6% |
| Other services (except public administration) | 16 | 7.2% |
| Administrative and support and waste management and remediation services | 15 | 6.8% |
| Real estate and rental and leasing | 10 | 4.5% |
| Accommodation and food services | 9 | 4.0% |
| Arts, entertainment, and recreation | 8 | 3.6% |
| Wholesale trade | 7 | 3.1% |
| Transportation and warehousing | 3 | 1.4% |
| Information | 3 | 1.4% |
| Educational services | 3 | 1.4% |
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 02655 vs 02635 →
ZIP 02655 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 02601
Hyannis (02601)
14,089 residents
- 02649
Mashpee (02649)
14,006 residents
- 02632
Centerville (02632)
10,742 residents
- 02648
Marstons Mills (02648)
7,301 residents
- 02537
East Sandwich (02537)
6,293 residents
- 02655 3,518
Osterville (02655)
3,518 residents
- 02635 3,296
Cotuit (02635)
3,296 residents
- 02668 3,278
West Barnstable (02668)
3,278 residents
- 02630 1,850
Barnstable (02630)
1,850 residents
What this shows Among its immediate neighbors, ZIP 02655 ranks #6 by population - useful context the national average alone can't give.
ZIP 02655 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 02537
East Sandwich (02537)
$136,506 median income
- 02648
Marstons Mills (02648)
$129,681 median income
- 02632
Centerville (02632)
$121,317 median income
- 02655
Osterville (02655)
$118,750 median income
- 02630
Barnstable (02630)
$116,895 median income
- 02668
West Barnstable (02668)
$111,731 median income
- 02635
Cotuit (02635)
$110,197 median income
- 02649
Mashpee (02649)
$95,299 median income
- 02601
Hyannis (02601)
$61,143 median income
What this shows By household income, ZIP 02655 ranks #4 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 02635 | Cotuit, MA | 3,296 | 2.5 mi |
| 02648 | Marstons Mills, MA | 7,301 | 3.1 mi |
| 02632 | Centerville, MA | 10,742 | 3.1 mi |
| 02672 | West Hyannisport, MA | 180 | 3.9 mi |
| 02647 | Hyannis Port, MA | 129 | 4.4 mi |
| 02649 | Mashpee, MA | 14,006 | 5.1 mi |
| 02668 | West Barnstable, MA | 3,278 | 5.9 mi |
| 02601 | Hyannis, MA | 14,089 | 5.4 mi |
| 02537 | East Sandwich, MA | 6,293 | 7.3 mi |
| 02630 | Barnstable, MA | 1,850 | 6.9 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 02655, 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 (3,518 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 02655 in?
ZIP code 02655 (Osterville) 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 02655?
ZIP code 02655 in Osterville, MA has a population of 3,518 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 02655?
The median household income in ZIP 02655 is $118,750, which is 56% above the national average of $76,288.
What is the average home value in ZIP 02655?
The median home value in ZIP 02655 is $806,300, which is 190% above the national average of $278,155.
What is the demographic makeup of ZIP 02655?
The largest racial group in ZIP 02655 is White at 81.9%. Hispanic or Latino residents make up 2.8% of the population.
How many businesses are in ZIP code 02655?
ZIP code 02655 has 222 business establishments employing approximately 1,679 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 02655?
The top industries by establishment count in ZIP 02655 are: Construction (50), Retail trade (33), Professional, scientific, and technical services (24). There are 14 industry sectors represented in total.
How have home values changed in ZIP code 02655?
According to the FHFA House Price Index, home values in ZIP 02655 increased by 15.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 273%. 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 02655?
In ZIP code 02655, 71.7% of residents aged 25+ have a high school diploma or higher, and 60.7% 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 02655?
The mean commute time for workers in ZIP code 02655 is 20.3 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 02655?
In ZIP code 02655, approximately 92.8% of occupied housing units are owner-occupied and 7.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 02655?
The poverty rate in ZIP code 02655 is 5.1% 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 02655's numbers, next.
- See how ZIP 02655 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Osterville, 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.