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City · 5,654 residents · Barnstable County, Massachusetts

East Harwich , Massachusetts

In East Harwich, a typical home is worth $638,900 and typical rent is $2,329 a month. Compared with all of Barnstable County, typical rent is 39% higher, typical household income is 17% higher, and the share of households that own their home is 10 points higher.

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  • Typical home value

    $638,900

    About the same as the county

    14% above Massachusetts

    • East Harwich
    • Barnstable
    • Massachusetts

  • Typical rent

    $2,329a month

    39% above the county

    32% above Massachusetts

    • East Harwich
    • Barnstable
    • Massachusetts

  • Typical household income

    $111,508a year

    17% above the county

    7% above Massachusetts

    • East Harwich
    • Barnstable
    • Massachusetts

  • Households that own their home

    92%

    10 points above the county

    29 points above Massachusetts

    • East Harwich
    • Barnstable
    • Massachusetts

Source: U.S. Census Bureau, Average 2020–2024

East Harwich is in Barnstable County. The FHA loan limit ($828,000 for a one-unit home), the fair market rents and the help on this page are those of all of Barnstable County. See the county

Data updated: October 1, 2026 11 official sources

Only here

What sets East Harwich apart

What this place has that others do not, from public data, most unusual first.

  1. East Harwich has the 3rd highest homeownership rate of the 123 cities in Massachusetts with more than 5,000 people (92%).

  2. Nearby, in West Yarmouth, the typical rent is $1,470: 37% less than in East Harwich ($2,329).

  3. The typical rent in East Harwich is $2,329 a month, 39% more than in Barnstable County as a whole ($1,678).

  4. Nearby, in West Yarmouth, the typical home value is $494,600: 23% less than in East Harwich ($638,900).

  5. The typical household income in East Harwich is $111,508, 17% more than in Barnstable County as a whole ($95,241).

Sources: U.S. Census Bureau (Average 2020–2024).

The homes here

Housing in East Harwich

What homes there are in East Harwich, what they cost, how that changed and how people live, from Census figures (2020–2024).

What homes there are

U.S. Census Bureau, ACS 5-year, 2020–2024

Kind of home

The detached house rules in East Harwich: 99% of homes, more than in Barnstable County (82%).

Year built

The typical home in East Harwich was built in 1982, 5 years after the typical one in Barnstable County.

All homes, occupied or empty. A figure the Census cannot measure precisely enough here is not shown.

Census tables: B25024, B25034, B25035, B25041

What it costs here

U.S. Census Bureau, ACS 5-year, 2020–2024

Value of owner-occupied homes
Monthly rent with utilities

With a mortgage

$2,319 a month

Barnstable County: $2,432 a month

Without a mortgage

$925 a month

Barnstable County: $929 a month

Owners with a mortgage

66%

Barnstable County: 58%

The typical cost for an owner with a mortgage in East Harwich is $2,319 a month, near the figure in Barnstable County ($2,432).

Value: what owners think their home is worth. Rent: rent plus utilities, for homes of every size. The FHA limit is the most an FHA loan (Federal Housing Administration) lends for a one-unit home; the fair market rent (FMR) is the one HUD uses for housing vouchers.

Census tables: B25075, B25063, B25088, B25081

How it changed

U.S. Census Bureau, ACS 5-year, 2015–2019 and 2020–2024

Change since 2015–2019

From 2015–2019 to 2020–2024, the typical home value in East Harwich rose 68%; in Barnstable County, it rose 60%.

Since 2015–2019, the typical rent in East Harwich rose 45%, more than in Barnstable County (28%).

The typical household income in East Harwich rose 31%: less than home values (+68%) and rent (+45%).

Change between two 5-year periods that do not overlap, in each period's dollars, not adjusted for inflation.

Census tables: B25077, B25064, B19013

How people live

U.S. Census Bureau, ACS 5-year, 2020–2024

MeasureEast HarwichBarnstable CountyMassachusettsUnited States
Rental vacancy Unreliable estimate4.7%3.5%5.5%
Homeowner vacancy Unreliable estimate1.0%0.6%0.9%
More than one person per room Unreliable estimate1.2%2.3%3.4%
People per household 2.112.162.442.53
Drive alone 83%72%61%69%
Carpool Unreliable estimate7%7%9%
Public transit Unreliable estimate1%7%3%
Walk or bike Unreliable estimate3%5%3%
Work from home Unreliable estimate16%19%15%
Other means Unreliable estimate1%2%2%
Typical commute Unreliable estimateUnreliable estimate20 to 29 minutes20 to 29 minutes

A household in East Harwich has 2.11 people on average, about the same as in Barnstable County (2.16).

To get to work, 83% of workers in East Harwich drive alone; in Barnstable County, 72%.

Vacancy: empty homes offered for rent or for sale. Rooms: every room in the home, not only bedrooms. Commute: the minute range of the typical worker.

Census tables: B25004, B25003, B25014, B25010, B08301, B08303

Do the math

What would you pay each month for a home in East Harwich?

A typical home costs more than the typical income allows

We start with a typical home in East Harwich, worth $638,900, an FHA loan with 3.5% down and the latest average rate (7.18%). That payment would take 55% of the typical household income in East Harwich, which is $111,508 a year. For that payment to be 28% of income, a household would need to earn about $219,798 a year.

The calculator's FHA and conventional loan limits are those of all of Barnstable County.

Your numbers

Local data
$

Starts at the typical home value in East Harwich. Change it to the price you have in mind.

Loan type
Your credit score

Your score changes which loans apply and FHA's minimum down payment. Your real rate also depends on your credit.

Down payment
%

That is $22,362 (3.5% of the price). The usual minimum for this loan is 3.5%.

This week's average ± a quarter or half point.

Term

National average as of November 5, 2026 (Freddie Mac); your rate may be different.

Adjust advanced details

Estimated monthly payment

Local data

$5,129

at 7.18% · 30 years

Loan amount
$627,327
Total interest
$902,577
Paid off in
November 2056

Includes $10,789 FHA upfront mortgage insurance premium.

Does it fit the income?

  • Comfortable

    up to $2,602 a month

  • Tight

    $2,602 to $3,345 a month

  • Hard

    more than $3,345 a month

    Your payment · 55%

Compared with the typical household income in East Harwich ($111,508 a year). Reference: HUD calls paying more than 30% of income for housing a cost burden.

Show the result as
per month$5,129
Principal & interest$4,250
Property tax$330
Home insurance$266
FHA mortgage insurance (MIP)$283

You need at least $22,362 for the down payment, plus closing costs.

Next step

This is an estimate to give you an idea, not a loan offer. Your real payment depends on your rate, your credit, and the insurance and taxes on the home you buy.

The city and its county

East Harwich and Barnstable County

East Harwich is in Barnstable County, Massachusetts. The U.S. Census Bureau publishes its own numbers for the city: home values, rent, household income, how many households own their home and the property tax. They are American Community Survey estimates (average 2020–2024).

East Harwich's own numbers

Typical home value
$638,900
Typical monthly rent
$2,329
Typical yearly household income
$111,508
Households that own their home
92%
Effective property tax rate
0.62%

U.S. Census Bureau, American Community Survey (average 2020–2024).

Numbers for all of Barnstable County

FHA limit, one-unit home
$828,000
Conventional limit, one unit
$832,750
HUD fair market rent, 2 bedrooms
$2,488
Price change over 5 years (FHFA)
+65%
Homes in a high flood-risk zone
9.8%

HUD, FHFA and FEMA don't publish these numbers by city.

Other numbers are not published by city, only for the whole county: FHA and conventional loan limits, HUD’s fair market rents, FHFA’s price index and FEMA’s flood data. On this page, those numbers always say they are for all of Barnstable County.

Everything about Barnstable County

Buying

Buying a home in East Harwich

A typical home in East Harwich is worth $638,900: about the same as the county and 14% above Massachusetts. With the typical household income in East Harwich ($111,508 a year), a typical home costs 5.7 times what the household earns in a year.

Years of income to pay for a typical home

The typical home value divided by the typical household income for one year. The lower it is, the less buying weighs.

  • East Harwich 5.7 years
  • Barnstable 6.6 years
  • Massachusetts 5.4 years
  • United States 4.1 years
Source: U.S. Census Bureau, Average 2020–2024

How prices have changed in Barnstable County

According to FHFA’s house price index, home prices in Barnstable County rose 103% in the 10 years through 2025.

FHFA does not publish this index by city: these are the numbers for all of Barnstable County.

Period County Massachusetts U.S.
Last year (2025) +1.8% +3.7% +2.9%
5 years (2020–2025) +65% +49% +47%
10 years (2015–2025) +103% +87% +85%

The index follows the price of the same homes over time (sales and appraisals with Fannie Mae and Freddie Mac loans). It is not the average price of a home. FHFA considers its annual county indexes experimental. Source: FHFA, 2025 data

East Harwich next to Barnstable County, Massachusetts and the U.S.

Three numbers side by side. “Typical” means the median: half are above it and half below.

Typical home value
  • East Harwich $638,900
  • Barnstable $629,000
  • Massachusetts $562,100
  • United States $332,700
Typical monthly rent
  • East Harwich $2,329
  • Barnstable $1,678
  • Massachusetts $1,762
  • United States $1,413
Typical yearly household income
  • East Harwich $111,508
  • Barnstable $95,241
  • Massachusetts $103,960
  • United States $80,734
See the full table
East Harwich next to Barnstable County and Massachusetts
Measure East Harwich Barnstable County Massachusetts U.S.
Typical home value $638,900 $629,000 $562,100 $332,700
Typical monthly rent $2,329 $1,678 $1,762 $1,413
Typical yearly household income $111,508 $95,241 $103,960 $80,734
Households that own their home 92% 81% 63% 65%
Typical yearly property tax $3,951 $4,239 $5,992 $3,119
Effective property tax rate 0.62% 0.67% 1.07% 0.94%

“Typical” means the median: half are above and half are below. ▲ and ▼ say whether the city is above or below Barnstable County. “High rent” is the Census measure: renter households that pay 30% or more of their income in rent.

Four ways to pay for a typical home in East Harwich

For a typical $638,900 home in East Harwich, at Freddie Mac's average rate (7.18% as of November 5, 2026) over 30 years. The monthly payment adds principal and interest, East Harwich's typical property tax, an example home insurance and mortgage insurance when it applies.

  • FHA, 3.5% down $5,129a month

    Least cash to close
    Down payment
    $22,362
    Cash to close
    $41,529
    Rate
    7.18%
    Mortgage insurance
    FHA MIP · $283

  • Conventional, 5% down $5,012a month

    Down payment
    $31,945
    Cash to close
    $51,112
    Rate
    7.18%
    Mortgage insurance
    PMI · $303

  • Conventional, 20% down, no PMI $4,059a month

    Down payment
    $127,780
    Cash to close
    $146,947
    Rate
    7.18%
    Mortgage insurance
    None

  • ITIN, 15% down (example) $4,649a month

    Down payment
    $95,835
    Cash to close
    $115,002
    Rate
    8.18%
    Mortgage insurance
    None

The option that asks for the least cash to close is FHA, 3.5% down.

  • Cash to close = down payment plus 3% of the price in closing costs (example).
  • Minimum score: FHA requires 580 or higher for the minimum down payment (HUD Handbook 4000.1). * Fannie Mae requires 620 when a loan is underwritten by hand; its automated system has no fixed minimum.
  • The ITIN row is an example with a rate 1 percentage point higher: ITIN loans follow no federal rule and each lender sets its own down payment and rate. Nothing in this table promises an approval.

How much house can I afford? Estimate closing costs

Taxes and floods

Two costs that change from place to place

Property tax and flood insurance raise or lower what you pay each month. Here are the numbers for East Harwich and for Barnstable County.

Property tax

Effective rate in East Harwich

0.62%of the home’s value each year

$3,951 a year for the typical owner in East Harwich.

  • East Harwich 0.62%
  • Barnstable 0.67%
  • Massachusetts 1.07%

What Massachusetts publishes Local senior exemption (clause 41C) (Massachusetts General Court (General Laws))

Exemptions and deadlines in Massachusetts

Flood risk in Barnstable County

FEMA does not publish these numbers by city: they are for all of Barnstable County.

Homes in the high-risk zone
9.8%
13,520
Of those, with NFIP insurance
40%
County Massachusetts U.S.
Homes in the high-risk zone 9.8% 3% 3.5%
Of those, with NFIP insurance 40% 50% 48%

Most homeowners insurance policies do not cover flood damage.

Look up your address on FEMA’s map

Renting

Renting in East Harwich

Typical rent in East Harwich is $2,329 a month: 39% above the county.

HUD publishes a fair market rent for all of Barnstable County, by unit size. To pay the 2-bedroom one ($2,488 a month) without spending more than 30% of your income, you would need to earn $47.85 an hour working full time.

HUD fair market rent for all of Barnstable County

What you need to earn to pay it without spending more than 30% of income, working full time.

Size Fair rent a month Hourly wage Yearly income
Studio $1,889 $36.33 $75,560
1 bedroom $1,902 $36.58 $76,080
2 bedrooms $2,488 $47.85 $99,520
3 bedrooms $3,121 $60.02 $124,840
4 bedrooms $3,721 $71.56 $148,840

Includes basic utilities. It isn't the lowest or highest rent: it's a reference point. Source: HUD, Fiscal year 2027

By ZIP code

Fair market rent by ZIP code in East Harwich

HUD also publishes a fair market rent for each ZIP code (Small Area FMR, fiscal year 2027). East Harwich is in ZIP code 02645.

For 2 bedrooms it is $2,930: $442 more than the fair market rent for Barnstable County ($2,488).

  • 02645 $2,930$3,680

1 of these ZIP codes crosses the city line: HUD sets the rent by ZIP code, not by city. A ZIP code counts for East Harwich when at least 50% of its land is inside the city or it covers at least 15% of the city (Census 2020 boundaries). Source: Small Area Fair Market Rents (HUD) Fiscal year 2027 Small Area Fair Market Rents (HUD) Source: Census Bureau ZCTA-to-place relationship file Data from 2020 data Census Bureau ZCTA-to-place relationship file

Is your rent high for your ZIP?

Free help

Help to buy or rent in East Harwich

You do not have to do this alone. A HUD-approved housing counseling agency helps for free or at low cost: getting ready to buy, understanding your credit, or solving a problem with your rent.

There is 1 HUD-approved agency with an office in Barnstable County; none says it serves in Spanish.

A grandmother pushes her grandson on a playground swing.

HUD counseling is free or low-cost

Assistance programs in East Harwich

No down payment, repair or rent-help program on our list is for East Harwich or Barnstable County. The ones below are statewide in Massachusetts: they work in East Harwich the same as in the rest of the state.

Which programs do I qualify for? All programs in Massachusetts

  • MassHousing Down Payment Assistance

    Statewide in Massachusetts

    Massachusetts state agency second mortgage for the down payment: up to $30,000 at 0% and deferred, or up to $25,000 at 2% or 3% over 15 years, for first-time buyers with eligible income. Offered by MassHousing.

    DeferredRepayable

    See the program Official page

Housing counselors near East Harwich

The HUD-approved agencies closest to the center of East Harwich, in a straight line, nearest first. If one says it serves in Spanish, its card says so.

  • Housing Assistance Corp.

    460 W Main St, Hyannis · 15 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 9 more
    (508) 771-5400

  • Catholic Social Services - Fall River

    1600 Bay St, Fall River · 60 miles away · Spanish

    Also serves in Portuguese.

    • Mortgage delinquency and default
    • Mortgage delinquency workshops
    • and 5 more
    (508) 674-4681

  • Neighborhood Housing Services of the South Shore DBA Neighborworks Housing Solutions

    422 Washington St, Quincy · 62 miles away

    • Mortgage delinquency and default
    • Budget and financial counseling
    • and 4 more
    (617) 770-2227

Every agency in Barnstable County All counseling agencies in Massachusetts

Help in Spanish near East Harwich

1 of the 3 agencies on this list says it serves in Spanish.

Ask for service in Spanish

When you call, say “Spanish, please” or ask if someone speaks Spanish. If not, ask whether they offer an interpreter.

Housing authorities of East Harwich

In HUD’s record, no housing authority with an office in Barnstable County is named for East Harwich or Barnstable County.

6 other authorities have an office in Barnstable County: see the list Source: HUD

Cities

Other cities in Barnstable County

These cities are also in Barnstable County. They share its loan limits and fair market rents, but home values and rent change from one to the next.

Everything about Barnstable County Housing in Massachusetts

Nearby cities

The cities closest to East Harwich, with the typical home value.

Neighboring counties

If Barnstable County is out of reach, look next door. Each number is that county's own.

Keep going

Guides for your next step

Short explanations, in plain language and with official sources, for buying or renting in East Harwich.

All guides
A family walks a boardwalk trail in the forest; one of them uses a wheelchair.

Questions

Housing questions about East Harwich

Short answers with the numbers for East Harwich and all of Barnstable County. If your case is different, a HUD-approved counseling agency can guide you for free or at low cost.

How much does a typical home cost in East Harwich?

The typical home value in East Harwich is $638,900, according to the U.S. Census Bureau (average 2020–2024). For comparison, in Barnstable County it is $629,000.

How much does it cost to rent in East Harwich?

Typical rent in East Harwich is $2,329 a month, according to the U.S. Census Bureau. HUD’s fair market rent for 2 bedrooms in Barnstable County is $2,488.

What is the FHA loan limit in East Harwich?

East Harwich uses the FHA limit for all of Barnstable County (2026): $828,000 for a one-unit home and $1,592,350 for a four-unit home.

How much property tax do owners pay in East Harwich?

The typical homeowner in East Harwich pays $3,951 a year, according to the U.S. Census Bureau. That is 0.62% of the home’s value; in Barnstable County, the rate is 0.67%.

Where can I find free help to buy or rent in East Harwich?

There is 1 HUD-approved counseling agency with an office in Barnstable County. They can help you get ready to buy, with your credit, or with rent.

Sources: American Community Survey (ACS) 5-year estimates (Average 2020–2024); FHA mortgage limits (HUD) (2026 data); Conforming loan limits (FHFA) (2026 data); Fair Market Rents (HUD) (Fiscal year 2027); Small Area Fair Market Rents (HUD) (Fiscal year 2027); Census Bureau ZCTA-to-place relationship file (2020 data); HUD-approved housing counseling agencies (Retrieved November 6, 2026); Public Housing Agencies (HUD) (Retrieved November 6, 2026); Freddie Mac Primary Mortgage Market Survey (PMMS) (As of November 5, 2026); FHFA House Price Index (HPI) (2025 data); Homes with flood insurance (NFIP, FEMA) (As of August 3, 2026).