02655 ZIP Code — Osterville, MA

Barnstable County, Massachusetts

ZIP code 02655 is located in Osterville, Massachusetts, within Barnstable County. It covers approximately 6.47 square miles and serves a population of 3,441 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 774/508.

About ZIP code 02655

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1980s, giving the area an established character. Median home value is $705,300. Owner-occupancy is high at 92%, well above the national average.

The gap between median ($95,563) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% 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 21 minutes is near the national average.

Educational attainment is high — 55% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 02655 reflects a community defined by a highly educated population, high homeownership, and a significant Social Security-dependent population.

3,441

population

6.47

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

02655 ZIP code map

Cities in ZIP code 02655

Below are the cities the US Postal Service accepts for ZIP code 02655. Using any city not on this list may result in mail delivery delays.

City	Status
Osterville	Preferred

Nearby ZIP codes

02635 Cotuit (2.5 mi) 02648 Marstons Mills (2.7 mi) 02632 Centerville (2.7 mi) 02601 Hyannis (5.2 mi) 02649 Mashpee (5.4 mi) 02668 West Barnstable (5.5 mi) 02630 Barnstable (6.5 mi) 02537 East Sandwich (6.9 mi) 02563 Sandwich (7.3 mi) 02644 Forestdale (7.6 mi) 02542 Buzzards Bay (8.5 mi) 02536 East Falmouth (9.2 mi)

Demographics updated 06/2026

Population
Total population	3,441
Population density	532 / sq mi
State FIPS	25
County FIPS	001

Geography
Land area	6.47 sq mi
Water area	1.76 sq mi
Latitude	41.6358
Longitude	-70.3911
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	20.4%	31.6%	31.3%
$50k – $100k	35.5%	30.4%	25.9%
$100k – $200k	33.8%	27.2%	28.5%
Over $200k	10.3%	10.7%	14.3%

Demographics & statistics

3,441

Population

532

People per sq mi

56.8

Median age

$95,563

Median household income

$79,000

Per capita income

$705,300

Median home value

$1,747

Median monthly rent

91.5%

Home ownership

5.1%

Poverty rate

3.2%

Unemployment

2,888

Housing units

55.0%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

109

200

35–44

234

45–54

113

136

55–59

158

110

60–64

128

344

65–74

401

166

75–84

195

117

85+

136

← Male

Female →

Age summary

Group	Count	%
Under 18	549	16.0%
18 and over	2,892	84.0%
65 and over	1,359	39.5%
Median age	56.8 years

Race & ethnicity

White 75.1%

Black or African American 7.5%

Hispanic or Latino 6.6%

Two or more races 5.5%

Other race 3.6%

Asian 1.3%

American Indian / Alaska Native 0.5%

Group	Count	%
White	2,766	75.1%
Black or African American	276	7.5%
Hispanic or Latino	242	6.6%
Two or more races	203	5.5%
Other race	131	3.6%
Asian	47	1.3%
American Indian / Alaska Native	18	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	20.4%	31.6%	31.3%
$50k – $100k	35.5%	30.4%	25.9%
$100k – $200k	33.8%	27.2%	28.5%
Over $200k	10.3%	10.7%	14.3%

Under $10k 5.1%

$10k–$15k 0.3%

$15k–$25k 2.2%

$25k–$35k 4.5%

$35k–$50k 5.1%

$50k–$75k 24.2%

$75k–$100k 11.2%

$100k–$150k 14.6%

$150k–$200k 11.9%

$200k+ 21.0%

Range	% of households
Under $10k	5.1%
$10k–$15k	0.3%
$15k–$25k	2.2%
$25k–$35k	4.5%
$35k–$50k	5.1%
$50k–$75k	24.2%
$75k–$100k	11.2%
$100k–$150k	14.6%
$150k–$200k	11.9%
$200k+	21.0%
Median income	$95,563

Housing

Home values

Under $50k 1.1%

$50k–$100k 0.6%

$200k–$300k 2.3%

$300k–$500k 26.3%

$500k–$1M 43.3%

$1M+ 26.3%

Housing overview

Metric	Value
Median home value	$705,300
Median rent / month	$1,747
Owner occupied	91.5%
Renter occupied	8.5%
Vacant	48.9%
Single-family detached	90.7%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	6.8
Avg household size (owned)	2.23

Year built

Era	%
2020 or later	0.2%
2010–2019	3.5%
2000–2009	9.6%
1990–1999	4.7%
1980–1989	28.8%
1970–1979	12.2%
1960–1969	6.0%
1950–1959	15.4%
1940–1949	1.4%
1939 or earlier	18.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.9%
1 bedroom	3.9%
2 bedrooms	16.1%
3 bedrooms	42.1%
4 bedrooms	23.0%
5+ bedrooms	14.0%

Vehicles per household

Vehicles	% of households
No vehicle	4.0%
1 vehicle	35.0%
2 vehicles	44.0%
3 or more	17.1%

Heating fuel

Fuel type	%
Utility gas	81.5%
Electricity	8.0%
Propane / LP gas	1.7%
Fuel oil	8.2%

Households & families

Household type	Count	%
Married-couple family	794	51.4%
Cohabiting couple	27	1.7%
Male householder, no spouse	273	17.7%
Female householder, no spouse	450	29.1%
Households with children under 18	359	23.3%
Households with seniors (65+)	987	63.9%
Average household size	2.17

Marital status

Status	Male	Female
Never married	25.4%	20.5%
Married	56.7%	49.5%
Separated	0.6%	0.0%
Widowed	3.9%	18.7%
Divorced	13.4%	11.4%

Education

Less than 9th grade 1.7%

Some HS, no diploma 0.8%

HS graduate 13.8%

Some college, no degree 15.0%

Associate's degree 13.6%

Bachelor's degree 29.8%

Graduate / professional 25.2%

Metric	%
HS diploma or higher	97.5%
Bachelor's or higher	55.0%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	62	9.8%
Kindergarten	39	6.1%
Elementary school	308	48.5%
High school	72	11.3%
College / grad school	154	24.3%

Employment

Industry of employment

Education & healthcare 24.3%

Retail trade 19.4%

Professional & management 14.8%

Finance & real estate 10.6%

Arts, food & hospitality 10.6%

Construction 6.0%

Manufacturing 3.5%

Other services 3.2%

Transportation & utilities 2.8%

Public administration 2.4%

Wholesale trade 1.4%

Information 0.9%

Occupation

Category	%
Management, business & arts	43.4%
Service	21.3%
Sales & office	27.8%
Natural resources & construction	5.0%
Production & transportation	2.6%

Employment type

Type	%
Private sector	87.2%
Government	6.3%
Self-employed	6.5%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	75.1%
Carpool	6.3%
Public transit	1.5%
Walk	9.0%
Work from home	8.1%
Other means	0.0%
Avg commute (minutes)	20.6

Poverty

All people 5.1%

Under 18 years 5.3%

18 and over 5.0%

Married-couple families 2.6%

Female-led households 0.0%

Income support

Source	% of households
Social Security	54.0%
Retirement income	46.2%
Supplemental Security	0.0%
Cash public assistance	4.9%
Food stamps / SNAP	5.4%

Health indicators

Condition	%
Obesity	24.2%
High blood pressure	34.9%
High cholesterol	35.8%
Diabetes	9.3%
Heart disease	7.7%
Stroke	3.2%
Asthma	10.0%
Arthritis	30.6%
Kidney disease	3.3%
Pulmonary disease	6.0%
Cancer	10.4%

Behavior / access	%
Smoking	10.6%
Binge drinking	14.7%
No physical activity	16.8%
Less than 7 hrs sleep	26.9%
Depression	18.0%
Fair or poor health	10.3%
Poor mental health	11.5%
Poor physical health	8.7%
No health insurance	4.8%
Visited doctor (checkup)	83.1%
Visited dentist	77.6%
Cholesterol screening	94.5%
Teeth loss	7.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	172	5.9%

Disability	%
Any disability	16.9%
Under 18	5.6%
18–64 years	8.9%
65 and over	30.5%

Health insurance coverage

Type	%
Private insurance	73.6%
Public insurance	52.7%
No insurance	5.7%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,317	96.4%
Spanish	163	4.9%
Other Indo-European	80	2.4%
Asian & Pacific Islander	61	1.8%
Other languages	22	0.7%

Place of birth & citizenship

Origin	Count	%
Native born (US)	2,905	84.4%
Born in same state	2,887	83.9%
Born in different state	1,968	57.2%
Foreign born	18	0.5%
Naturalized citizen	536	15.6%
Not a US citizen	274	51.1%

Ancestry

Ancestry	Count	%
Italian	966	28.1%
French	549	16%
Arab	115	3.3%
Norwegian	39	1.1%
English	33	1%

Ancestry	Count	%
German	30	0.9%
Polish	16	0.5%
Dutch	13	0.4%
Irish	8	0.2%

Technology access

Metric	% of households
Computer access	44.9%
Internet access	98.4%

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

Frequently asked questions about ZIP code 02655

What city is ZIP code 02655 in?

ZIP code 02655 is primarily assigned to Osterville, Massachusetts.

What county is ZIP code 02655 in?

ZIP code 02655 falls within Barnstable County, Massachusetts.

Does ZIP code 02655 have an older population?

40% of residents in ZIP code 02655 are 65 or older, above the national average of ~17%.

Does ZIP code 02655 have a large retiree population?

54% of households in ZIP code 02655 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 02655 mostly owner-occupied?

92% of occupied units in ZIP code 02655 are owner-occupied, well above the national average.

How educated is the population of ZIP code 02655?

55% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What timezone is ZIP code 02655 in?

ZIP code 02655 observes the EST timezone.