Haverhill, Massachusetts.
Typical home $545,809 (+2.1% in a year), asking rent $2,258 (-0.6%). Boston-Cambridge-Newton, MA-NH metro.
to buy the typical home at today's mortgage rate — +$1,618 (+130%) since Jan 2020.
- 1 year
- Up $11,191 +2%
- $534,618$545,809 since Sep 2025
- 5 years
- Up $121,330 +29%
- $424,479$545,809 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.
- Haverhill$2,865
- 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 Haverhill, MA rose 2.1% over the past year — faster than the nation's +1.2%.
Asking rents in Haverhill, MA fell 0.6% over the past year — slower than the nation's +2.7%.
Owning the typical home in Haverhill runs $1,663/mo more than renting one — the widest that gap has been in this data.
That is $3,922 a month against $2,258 rent: a $2,865 mortgage payment, plus $472 property tax and $584 insurance & upkeep.
Owning vs renting — Haverhill
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$3,922
- Renting$2,258
- Mortgage only$2,865
Property tax · $472/mo 1.04% of value a year — the ACS 2020-2024 median bill over the median home value for Essex County, MA
Insurance & upkeep · $584/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 Haverhill, Essex County, Massachusetts
Haverhill is a city of 67,787 people in Essex County. Half its households earn more than $88,326 a year and half less, against $101,883 across Essex County; 11% of its people live below the poverty line. 63% of its homes are lived in by their owners and 37% are rented. Unemployment in Haverhill was 4.9% in August 2026, and Essex County had 0.9% more jobs in 2025 than the year before. The most residents work in schools and health care, then manufacturing.
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. Haverhill is a city on the Merrimack River in Essex County, with a population that makes it one of the larger places in the area. Household incomes run below the county's, and the typical home costs a good deal to buy or rent. Most homes are lived in by their owners, though there are more renters here than in many smaller towns. Winters are cold and snowy, summers are warm, and rain and melted snow fall steadily through the year.
Work. Many residents work in schools, hospitals and social care, with manufacturing, professional and business services, and shops also employing a lot of people. Among the largest workplaces in Haverhill are Haverhill Schools, Cedars Mediterranean Foods and Northern Essex Community College. Unemployment is about where it was a year ago, and commutes are fairly typical for the region, with a small share of people working from home.
Things to do. Canobie Lake Park, an amusement park, and America's Stonehenge, an archaeological site, are both a short drive away. Lake Cochichewick is also close by for time on the water. For a day out in the city, Boston Common and the Freedom Trail are a longer drive away.
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- 26,545households
- 33%of adults have a degree
- 11%below the poverty line
- 27 mintypical commute
- 12%work from home
What residents work in
Employed residents by industry, from the Census survey. Essex County had 326,688 jobs in 2025, 0.9% more than the year before (Bureau of Labor Statistics).
Weather through the year
Coldest in January, with highs near 35° and lows near 16°; warmest in July, with highs near 82° and lows near 61°. About 58 inches of snow and 50 inches of rain and melted snow a year.
Average daily high and low, 1991–2020, at the Haverhill weather station, 2 miles away (NOAA).
Largest workplaces in Haverhill
- Haverhill SchoolsSchool district1,304FTE
- Cedars Mediterranean FoodsVegetables, frozen, manufacturing1,038
- Northern Essex Community CollegeTwo-year college565
- Demoulas Super Markets440
- Monogram Gourmet Foods LLC HaverhillFrozen specialties, nec358
- Demoulas Super Markets314
- Edwards VacuumAir compressors manufacturing203
- G & C Concrete ConstructionConcrete pouring200
Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 54 workplaces with 20 or more staff, 6,171 people in all. School districts come 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
- Ice stormsRelatively moderate
- Inland floodingRelatively moderate
FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms in Haverhill’s census tracts, against the rest of the country; all of them together, relatively low. 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 Essex County and the Boston-Cambridge-Newton, MA-NH metro.
Haverhill home values
Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.
- Haverhill$545,809
- Massachusetts$655,219
- United States$366,157
Levy by levy, and a check of one home’s own bill, the site covers Ohio’s property tax.
Sellers are cutting prices on about 1 in 4 Haverhill listings, and the typical home goes pending in 10 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.
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.
- Haverhill23.50%
- United States26.90%
Days to pending
How long the typical listing takes to go under contract.
- Haverhill10
- United States27
Homes for sale
Active for-sale inventory. More supply hands power to buyers.
- Haverhill156
New listings per month
Sellers arriving at the market.
- Haverhill72
Median sale price
What buyers actually paid — closed sales, not asking prices.
- Haverhill$506,730
- United States$371,407
Sale-to-list ratio
Above 100%, homes sell over asking; below, buyers negotiate wins.
- Haverhill101.96%
Zip codes with a Haverhill address
A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Haverhill — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.
Zip codes in Haverhill
| 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 |
|---|---|---|---|---|
| 01830 | Haverhill | 26,530 | $2,306 | $553,504 |
| 01832 | Haverhill | 26,386 | $2,009 | $522,596 |
| 01835 | Haverhill | 14,782 | $2,570 | $560,999 |