02645 ZIP Code — Harwich, MA

Barnstable County, Massachusetts

ZIP code 02645 is located in Harwich, Massachusetts, within Barnstable County. It covers approximately 16.93 square miles and serves a population of 10,930 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 774/508.

About ZIP code 02645

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $557,200. Owner-occupancy is high at 83%, well above the national average.

Median household income is $84,693. The poverty rate of 4% is below the national average. 54% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 22 minutes is near the national average.

Educational attainment is near the national average, with 42% of residents holding a bachelor's degree or higher.

Overall, ZIP code 02645 reflects a community defined by high homeownership and a significant Social Security-dependent population.

10,930

population

16.93

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

02645 ZIP code map

Cities in ZIP code 02645

Below are the cities the US Postal Service accepts for ZIP code 02645. Using any city not on this list may result in mail delivery delays.

City	Status
Harwich	Acceptable
Harwich	Preferred

Nearby ZIP codes

02646 Harwich Port (2.1 mi) 02659 South Chatham (2.4 mi) 02631 Brewster (3.1 mi) 02671 West Harwich (3.3 mi) 02633 Chatham (4.4 mi) 02639 Dennis Port (4.4 mi) 02660 South Dennis (4.8 mi) 02650 North Chatham (5 mi) 02653 Orleans (5.6 mi) 02670 West Dennis (6.3 mi) 02664 South Yarmouth (7.1 mi) 02638 Dennis (7.3 mi)

Demographics updated 06/2026

Population
Total population	10,930
Population density	646 / sq mi
State FIPS	25
County FIPS	001

Geography
Land area	16.93 sq mi
Water area	1.82 sq mi
Latitude	41.7022
Longitude	-70.0629
Timezone	Eastern (ET)
Area code	774/508

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.0%	31.6%	31.3%
$50k – $100k	32.1%	30.4%	25.9%
$100k – $200k	28.9%	27.2%	28.5%
Over $200k	7.9%	10.7%	14.3%

Demographics & statistics

10,930

Population

646

People per sq mi

56.4

Median age

$84,693

Median household income

$49,284

Per capita income

$557,200

Median home value

$1,620

Median monthly rent

83.4%

Home ownership

4.4%

Poverty rate

6.1%

Unemployment

5,946

Housing units

41.7%

Bachelor's or higher

Age distribution

Male Female

199

Under 5

216

215

5–9

234

171

10–14

187

165

15–19

180

320

20–24

349

284

25–34

310

551

35–44

601

536

45–54

584

433

55–59

472

655

60–64

713

1,075

65–74

1,172

403

75–84

438

224

85+

243

← Male

Female →

Age summary

Group	Count	%
Under 18	1,481	13.5%
18 and over	9,449	86.5%
65 and over	3,555	32.5%
Median age	56.4 years

Race & ethnicity

White 88.1%

Hispanic or Latino 5%

Two or more races 3.7%

Other race 2.1%

Black or African American 0.9%

Asian 0.1%

Group	Count	%
White	10,139	88.1%
Hispanic or Latino	576	5%
Two or more races	431	3.7%
Other race	244	2.1%
Black or African American	102	0.9%
Asian	14	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.0%	31.6%	31.3%
$50k – $100k	32.1%	30.4%	25.9%
$100k – $200k	28.9%	27.2%	28.5%
Over $200k	7.9%	10.7%	14.3%

Under $10k 1.4%

$10k–$15k 2.9%

$15k–$25k 6.5%

$25k–$35k 3.1%

$35k–$50k 10.5%

$50k–$75k 15.3%

$75k–$100k 19.0%

$100k–$150k 16.2%

$150k–$200k 13.0%

$200k+ 12.1%

Range	% of households
Under $10k	1.4%
$10k–$15k	2.9%
$15k–$25k	6.5%
$25k–$35k	3.1%
$35k–$50k	10.5%
$50k–$75k	15.3%
$75k–$100k	19.0%
$100k–$150k	16.2%
$150k–$200k	13.0%
$200k+	12.1%
Median income	$84,693

Housing

Home values

Under $50k 1.2%

$50k–$100k 0.6%

$100k–$150k 0.3%

$150k–$200k 0.3%

$200k–$300k 5.8%

$300k–$500k 31.6%

$500k–$1M 55.2%

$1M+ 5.0%

Housing overview

Metric	Value
Median home value	$557,200
Median rent / month	$1,620
Owner occupied	83.4%
Renter occupied	16.6%
Vacant	29.9%
Single-family detached	94.0%
Large apartment buildings	0.4%
Mobile homes	0.1%
Median rooms	5.7
Avg household size (owned)	2.37

Year built

Era	%
2020 or later	0.0%
2010–2019	5.2%
2000–2009	9.8%
1990–1999	16.8%
1980–1989	18.3%
1970–1979	19.8%
1960–1969	12.9%
1950–1959	9.6%
1940–1949	0.6%
1939 or earlier	6.9%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	5.5%
2 bedrooms	21.0%
3 bedrooms	49.2%
4 bedrooms	20.4%
5+ bedrooms	3.9%

Vehicles per household

Vehicles	% of households
No vehicle	4.1%
1 vehicle	25.2%
2 vehicles	46.0%
3 or more	24.7%

Heating fuel

Fuel type	%
Utility gas	67.3%
Electricity	8.4%
Propane / LP gas	4.7%
Fuel oil	16.6%
Wood	2.8%
Solar	0.2%

Households & families

Household type	Count	%
Married-couple family	2,192	46.5%
Cohabiting couple	622	13.2%
Male householder, no spouse	518	11.0%
Female householder, no spouse	1,386	29.4%
Households with children under 18	862	18.3%
Households with seniors (65+)	2,595	55.0%
Average household size	2.28

Marital status

Status	Male	Female
Never married	34.6%	12.9%
Married	50.8%	46.2%
Separated	0.3%	0.9%
Widowed	2.4%	16.3%
Divorced	11.8%	23.7%

Education

Less than 9th grade 0.4%

Some HS, no diploma 1.8%

HS graduate 26.6%

Some college, no degree 20.6%

Associate's degree 8.9%

Bachelor's degree 21.6%

Graduate / professional 20.1%

Metric	%
HS diploma or higher	97.8%
Bachelor's or higher	41.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	36	2.7%
Kindergarten	161	12.2%
Elementary school	562	42.5%
High school	324	24.5%
College / grad school	239	18.1%

Employment

Industry of employment

Education & healthcare 23.9%

Professional & management 14.3%

Construction 13.1%

Arts, food & hospitality 12.1%

Retail trade 7.5%

Transportation & utilities 5.7%

Public administration 5.1%

Other services 5.0%

Finance & real estate 4.4%

Information 4.2%

Manufacturing 3.0%

Agriculture & mining 1.0%

Wholesale trade 0.9%

Occupation

Category	%
Management, business & arts	37.6%
Service	21.7%
Sales & office	19.1%
Natural resources & construction	13.8%
Production & transportation	7.8%

Employment type

Type	%
Private sector	68.2%
Government	20.1%
Self-employed	10.9%
Unpaid family workers	0.8%

Commute

Method	%
Drive alone	81.4%
Carpool	3.4%
Public transit	0.0%
Walk	0.8%
Work from home	12.3%
Other means	2.0%
Avg commute (minutes)	21.9

Poverty

All people 4.4%

Under 18 years 1.0%

18 and over 4.9%

Married-couple families 0.7%

Female-led households 9.7%

Income support

Source	% of households
Social Security	53.5%
Retirement income	33.4%
Supplemental Security	1.7%
Cash public assistance	0.0%
Food stamps / SNAP	5.6%

Health indicators

Condition	%
Obesity	25.2%
High blood pressure	34.3%
High cholesterol	34.8%
Diabetes	9.4%
Heart disease	7.5%
Stroke	3.3%
Asthma	10.4%
Arthritis	30.1%
Kidney disease	3.3%
Pulmonary disease	6.4%
Cancer	9.7%

Behavior / access	%
Smoking	12.1%
Binge drinking	15.2%
No physical activity	17.9%
Less than 7 hrs sleep	28.0%
Depression	18.9%
Fair or poor health	11.2%
Poor mental health	12.4%
Poor physical health	9.3%
No health insurance	5.3%
Visited doctor (checkup)	82.4%
Visited dentist	75.3%
Cholesterol screening	93.6%
Teeth loss	9.2%

Veterans & disability

Veterans	Count	%
Civilian veterans	629	6.7%

Disability	%
Any disability	10.6%
Under 18	4.1%
18–64 years	5.4%
65 and over	22.2%

Health insurance coverage

Type	%
Private insurance	77.4%
Public insurance	46.4%
No insurance	2.2%
Uninsured under 19	5.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	10,515	96.2%
Spanish	103	1.0%
Other Indo-European	15	0.1%
Asian & Pacific Islander	88	0.8%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	10,358	94.8%
Born in same state	10,280	94.1%
Born in different state	6,649	60.8%
Foreign born	78	0.7%
Naturalized citizen	572	5.2%
Not a US citizen	468	81.8%

Ancestry

Ancestry	Count	%
Italian	3,054	27.9%
French	2,307	21.1%
Arab	660	6%
Dutch	165	1.5%
Polish	154	1.4%

Ancestry	Count	%
German	123	1.1%
Norwegian	118	1.1%
Irish	64	0.6%
English	6	0.1%

Technology access

Metric	% of households
Computer access	43.2%
Internet access	96.1%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 02645

What city is ZIP code 02645 in?

ZIP code 02645 is primarily assigned to Harwich, Massachusetts.

What county is ZIP code 02645 in?

ZIP code 02645 falls within Barnstable County, Massachusetts.

Does ZIP code 02645 have an older population?

33% of residents in ZIP code 02645 are 65 or older, above the national average of ~17%.

Does ZIP code 02645 have a large retiree population?

54% of households in ZIP code 02645 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 02645 mostly owner-occupied?

83% of occupied units in ZIP code 02645 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 02645?

The median home value in ZIP code 02645 is $557,200.

What timezone is ZIP code 02645 in?

ZIP code 02645 observes the EST timezone.