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Learn about the people, housing, costs and businesses in 04538
Real local data across mortgage, insurance, natural hazard, and place.
Rates, calculators, and lender comparisons
FHA, VA, Conventional & Jumbo · Purchase & Refi rates in 04538.
True all-in cost — P&I, taxes, insurance & utilities for homes in 04538.
Find and compare lenders active near 04538.
Homeowners, flood, and specialty coverage estimates
Flood, earthquake, and wildfire risk data
FEMA flood zones and flood insurance estimates for 04538.
Seismic risk and earthquake insurance estimates for 04538.
Wildfire exposure and insurance estimates for 04538.
Cost of living, demographics, and community profile
As of today, the 30-year fixed mortgage rate for ZIP code 04538 is approximately 6.971% (7.010% APR). Rates vary based on your credit score, loan type, down payment, and other factors. Safe Rate updates rates daily using live investor pricing.
View current rates for ZIP code 04538The median home value in ZIP code 04538 is $411k. The median monthly rent is $1,068. Annual property taxes average $3k. Home values are based on U.S. Census Bureau American Community Survey estimates.
Home values in ZIP code 04538 have increased 60.0% over the past two years. This indicates a strong appreciation trend. This data is sourced from the Federal Housing Finance Agency (FHFA) House Price Index.
Based on a typical all-in ownership cost of $992/month (mortgage, taxes, insurance), you'd generally need a household income of approximately $43k/year to keep housing costs at or below 28% of gross income — a common lender guideline. The median household income in ZIP code 04538 is $69k/year.
Calculate your buying powerThe largest employment sectors in ZIP code 04538 are public administration (18%) and wholesale trade (14%) of the local workforce. Industry data is sourced from the U.S. Census Bureau American Community Survey.