Barnstable, Massachusetts.
Typical home $712,866 (+1.9% in a year), asking rent $2,894 (+2.6%). Barnstable Town, MA metro.
to buy the typical home at today's mortgage rate — +$2,209 (+144%) since Jan 2020.
- 1 year
- Up $13,330 +2%
- $699,536$712,866 since Sep 2025
- 5 years
- Up $154,902 +28%
- $557,965$712,866 since Sep 2021
Monthly payment to buy the typical home
Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.
- Barnstable$3,742
- Massachusetts$3,439
- United States$1,922
At the last five years' pace, a typical home here doubles in price every 14 years.
Typical home values in Barnstable, MA rose 1.9% over the past year — faster than the nation's +1.2%.
Asking rents in Barnstable, MA rose 2.6% over the past year — in step with the nation.
Owning the typical home in Barnstable runs $2,011/mo more than renting one. The gap peaked at $2,209 in Oct 2023.
That is $4,905 a month against $2,894 rent: a $3,742 mortgage payment, plus $400 property tax and $763 insurance & upkeep.
Owning vs renting — Barnstable
The owning line is the typical home's monthly payment at that month's rate, plus property tax and insurance & upkeep; the renting line is the typical asking rent; the grey line is the mortgage payment on its own. Same homes, same months, both ways of paying for a roof.
- Owning all in$4,905
- Renting$2,894
- Mortgage only$3,742
Property tax · $400/mo 0.67% of value a year — the ACS 2020-2024 median bill over the median home value for Barnstable County, MA
Insurance & upkeep · $763/mo insurance, maintenance and repairs together, from the BLS Consumer Expenditure Survey — the national figure for mortgaged homeowners, scaled to this market's home value. BLS publishes the three bundled and they cannot be split.
Both are priced off the same month's home value, so they rise with the market. Neither is a quote — a specific home's bill depends on its assessment, its age and its insurer.
Living in Barnstable, Barnstable County, Massachusetts
The Census does not count Barnstable on its own, so the figures here are Barnstable County's. Half the county's households earn more than $95,241 a year and half less; 8% of the county's people live below the poverty line. 81% of the county's homes are lived in by their owners and 19% are rented. Unemployment in Barnstable County was 3.8% in August 2026, and the county had 0.2% more jobs in 2025 than the year before. The most people in Barnstable County work in schools and health care, then professional services.
Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.
What it’s like
The place. Barnstable sits on Cape Cod in Massachusetts, and across Barnstable County most people are older than the country as a whole, with most homes lived in by their owners and fewer residents living in poverty than across the country. Household incomes are on the high side, and typical home values are well above those in most of the country. Winters are cold and snowy, summers are warm, and rain falls fairly often through the year.
Work. Across Barnstable County, the jobs that employ the most residents are in schools, hospitals and social care, professional and business services, shops, and restaurants, hotels and entertainment. Unemployment is about where it was a year earlier, and the number of jobs has edged up over the most recent year. Adults with a degree are more common here than across the country, and most people's commutes are fairly short, with fewer working from home than might be expected.
Things to do. Cape Cod National Seashore is a protected area a longer drive away, and it is one of the best known places on the Cape. Craigville Beach is a beach a short drive away, and the Cape Cod Melody Tent is a theatre a short drive away. The Old Jail is a museum in or beside town, so it is an easy visit on foot or by car.
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- 105,777households
- 55.4median age
- 48%of adults have a degree
- 8%below the poverty line
- 25 mintypical commute
- 16%work from home
What people in Barnstable County work in
Employed residents by industry, from the Census survey. Barnstable County had 96,491 jobs in 2025, 0.2% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 39° and lows near 22°; warmest in July, with highs near 78° and lows near 64°. About 22 inches of snow and 46 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Hyannis weather station, 2 miles away (NOAA).
Largest workplaces in Barnstable County
- Cape COD HospitalGeneral hospital1,984FTE
- Barnstable SchoolsSchool district884FTE
- Cape Air / Nantucket Air ServiceAir passenger carriers, scheduled659
- Falmouth HospitalGeneral hospital613FTE
- Falmouth SchoolsSchool district558FTE
- Captital Properties/Chatham Bars InnAuto courts, lodging505
- Cape Cod Community CollegeTwo-year college480
- Dennis-Yarmouth SchoolsSchool district466FTE
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 156 workplaces with 20 or more staff, 18,262 people in all. Hospitals come from their Medicare cost reports (CMS, 2023), school districts from the Common Core of Data (NCES, 2023–24) and colleges from IPEDS (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.
Natural hazards
- Coastal floodingVery high
- HurricanesRelatively high
- LightningRelatively high
- Inland floodingRelatively moderate
- Strong windRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Barnstable County, against the rest of the country; all of them together, relatively moderate. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.
From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Barnstable County and the Barnstable Town, MA metro.
Barnstable home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Barnstable$712,866
- Massachusetts$655,219
- United States$366,157
Sellers are cutting prices on about 1 in 4 Barnstable listings, and the typical home goes pending in 24 days — the market is heating up.
When this market ran hot
Each cell is that month's year-on-year home-value growth. Read left to right, top row is the latest year — the 2021–22 band is the boom.
Market heat, inside the city limits
Share of listings with a price cut
The early-warning dial: sellers cut when buyers stop reaching. Rising cuts cool a market months before prices notice.
- Barnstable23.65%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Barnstable24
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Barnstable312
New listings per month
Sellers arriving at the market.
- Barnstable95
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Barnstable$662,480
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Barnstable97.21%
Zip codes with a Barnstable address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Barnstable — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Barnstable
| Zip activate to sort by Zip | Place activate to sort by Place | Population sorted descending, activate to sort ascending | Rent activate to sort by Rent | Home value activate to sort by Home value |
|---|---|---|---|---|
| 02601 | Hyannis | 16,071 | $2,808 | $552,043 |
| 02632 | Centerville | 11,685 | — | $681,579 |
| 02648 | Marstons Mills | 7,968 | — | $684,550 |
| 02655 | Osterville | 4,024 | — | $1,234,170 |
| 02635 | Cotuit | 3,577 | — | $874,526 |
| 02668 | West Barnstable | 2,820 | — | $827,844 |
| 02630 | Barnstable | 2,371 | — | $858,543 |