States · Massachusetts · Barnstable County

Chatham, Massachusetts.

Typical home $1,341,119 (+8.7% in a year). Barnstable Town, MA metro.

What it costs per month · Chatham $7,039/mo

to buy the typical home at today's mortgage rate — +$4,427 (+170%) since Jan 2020.

What the home itself did
1 year
Up $107,636 +9%
$1,233,483$1,341,119 since Sep 2025
5 years
Up $381,237 +40%
$959,882$1,341,119 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.

$2,000 $4,000 $6,000 2002 2006 2010 2014 2018 2022 2026 Chatham $7,039 Massachusetts $3,439 United States $1,922
$2,000 $4,000 $6,000 2002 2010 2018 2026
  • Chatham$7,039
  • Massachusetts$3,439
  • United States$1,922

At the last five years' pace, a typical home here doubles in price every 10 years.

Typical home values in Chatham, MA rose 8.7% over the past year — faster than the nation's +1.2%.

Living in Chatham, Barnstable County, Massachusetts

Chatham, in Barnstable County, had 1,551 people in the 2020 census. 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.

People 1,551 in the 2020 census; median age 66.6
Household income Too few homes in Chatham for the Census survey to measure.
Unemployment 3.8% Barnstable County, August 2026; 3.7% a year before
Homes Too few homes in Chatham for the Census survey to measure.

Written by AI Claude Sonnet 5.5 wrote this on 23 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 It can be wrong or out of date.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. Chatham is a small community at the elbow of Cape Cod, with a population that skews much older than most American towns. Homes here are worth far more than the typical home across the country, and a large majority of adults hold a four-year degree. Winters are cold, with highs only a little above freezing in January and some snow most years, while summers stay mild and rain falls fairly steadily across the year.

Work. Residents work mostly in schools, hospitals and social care, in professional and business services, in shops, and in restaurants, hotels and entertainment. Among the largest workplaces in town are Chatham Bars Inn, the Town of Chatham's Department of Public Works, and Eastward Companies, a residential construction firm. A fair number of residents work from home, and unemployment across Barnstable County is about where it was a year ago.

Things to do. Close to the center of town, the Chatham Marconi Maritime Center is a museum, and the Mitchell River and Oyster Pond River both run in or beside town. A short drive away, Monomoy National Wildlife Refuge is a protected area for birds and shoreline walking. A longer drive brings you to Nauset Beach, one of the Cape's best known stretches of sand.

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  • 918households
  • 61%of adults have a degree
  • 14%below the poverty line
  • 14%work from home

What people in Barnstable County work in

  • Schools, hospitals and social care24%
  • Professional and business services15%
  • Shops (retail)12%
  • Restaurants, hotels and entertainment10%
  • Building trades10%
  • Banks, insurance and property6%

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

Average daily high and low for each month: coldest in January, 39° and 25°; warmest in July, 76° and 63° 20° 30° 40° 50° 60° 70° 80° J 39° 25° F M A M J J 76° 63° A S O N D
Average daily high and low for each month: coldest in January, 39° and 25°; warmest in July, 76° and 63° 20° 30° 40° 50° 60° 70° 80° J 39° 25° F M A M J J 76° 63° A S O N D

Coldest in January, with highs near 39° and lows near 25°; warmest in July, with highs near 76° and lows near 63°. About 24 inches of snow and 46 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Chatham weather station, a mile away (NOAA).

Largest workplaces in Chatham

  1. Captital Properties/Chatham Bars InnAuto courts, lodging505
  2. Eastward Companies Business TrustResidential construction, single-family, general contractors29
  3. Town of Chatham - Department of Public WorksRepair, highway, road, street, bridge or airport runway23

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 3 workplaces with 20 or more staff, 557 people in all. 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

  1. Coastal floodingRelatively high
  2. HurricanesRelatively high
  3. Inland floodingRelatively high
  4. LightningRelatively moderate

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Chatham’s census tracts, 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.

Chatham home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

$250,000 $500,000 $750,000 $1,000,000 $1,250,000 2018 2020 2022 2024 2026 Chatham $1,341,119 Massachusetts $655,219 United States $366,157
$250,000 $500,000 $750,000 $1,000,000 $1,250,000 2018 2022 2026
  • Chatham$1,341,119
  • Massachusetts$655,219
  • United States$366,157

Sellers are cutting prices on about 1 in 6 Chatham listings, and the typical home goes pending in 20 days — the market is roughly in balance.

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.

JFMAMJJASOND
2026
2025
2024
2023
2022
2021
2020
2019
2018
falling flat warming hot overheating runaway

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.

5% 10% 15% 20% 25% 2018 2019 2020 2021 2022 2023 2024 2025 2026 Chatham 16.90% United States 26.90%
5% 10% 15% 20% 25% 2018 2022 2026
  • Chatham16.90%
  • United States26.90%

Days to pending

How long the typical listing takes to go under contract.

Not enough data to draw this yet.

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

50 100 150 200 2018 2019 2020 2021 2022 2023 2024 2025 2026 Chatham 77
50 100 150 200 2018 2022 2026
  • Chatham77

New listings per month

Sellers arriving at the market.

5 10 15 20 25 2026 Chatham 26
5 10 15 20 25 2026
  • Chatham26

Median sale price

What buyers actually paid — closed sales, not asking prices.

Not enough data to draw this yet.

Sale-to-list ratio

Above 100%, homes sell over asking; below, buyers negotiate wins.

Not enough data to draw this yet.

Zip codes with a Chatham address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Chatham — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zip codes in Chatham