The basics
Total Population
1,810
Median Age
64.4
Home values & property tax
Ranked against U.S. ZIP codes.
Median Home Value
$388,100
Median Property Tax
$2,705
Effective Tax Rate
1%
Cost of living & affordability
Ranked against U.S. ZIP codes.
Price-to-Income Ratio
6.87
Median Rent
$1,058
Home prices & appreciation
Ranked against U.S. ZIP codes.
HPI Growth 5yr %
82%
Pandemic Gain %
51%
Recession Drop %
-24%
Climate & weather
Ranked against U.S. ZIP codes.
Summer Avg High (°F)
74.1
Winter Avg Low (°F)
17.4
Avg Temperature (°F)
46
Hot Days/yr (>90°F)
0.7
Freezing Days/yr (<32°F)
148.2
Annual Precipitation (in)
51.7
Annual Snowfall (in)
71.8
Flood & disaster risk
Ranked against U.S. ZIP codes.
FEMA Risk Score
70.5
EAL Flood/Coastal per $1K
0.34
The full report
Six pillars — each with percentile benchmarks, 16-year trends, and per-metric detail.
People
Work & Money
Housing
Amenities
Environment & Risk
ZIP Code 04538: frequently asked questions
- What is the median home value in ZIP Code 04538?
- The median home value in ZIP Code 04538 is $388,100, higher than 80% of U.S. ZIP codes.
- How much is property tax in ZIP Code 04538?
- The median annual property tax in ZIP Code 04538 is $2,705, an effective rate of 1% of home value.
- Is ZIP Code 04538 expensive to live in?
- Homes in ZIP Code 04538 cost about 6.87× the median household income, higher than 94% of U.S. ZIP codes.
- What is the average rent in ZIP Code 04538?
- The median gross rent in ZIP Code 04538 is $1,058 a month, higher than 64% of U.S. ZIP codes.
- How much have home prices grown in ZIP Code 04538?
- Home prices in ZIP Code 04538 have moved 82% over the past five years, per the FHFA House Price Index.
- What is the weather like in ZIP Code 04538?
- ZIP Code 04538 averages 46°F year-round, summer highs near 74.1°F, winter lows around 17.4°F (NOAA 1991–2020 normals). It sees about 71.8 inches of snow a year.
- Is ZIP Code 04538 at risk of flooding or natural disasters?
- ZIP Code 04538's FEMA National Risk Index score is 70.5 (higher than 57% of U.S. ZIP codes). Its greatest modeled natural hazard is hurricane. Expected annual loss from flooding is 0.34 per $1,000 of building value.
Sources: U.S. Census ACS, FEMA National Risk Index, FHFA House Price Index, OpenStreetMap, EPA. Explore the map →