ZIP code 01032

ZIP 01032 is a very small community in Hampshire County, Massachusetts, with 503 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #494 of 539 ranked by population — larger than 8% of them. The median age here is 55.7 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 01032 earn a median of $79,583 a year, 1.3% above the national figure of $78,538. Median household income counts every pre-tax dollar arriving at an address — wages, self-employment, Social Security, pensions, interest and public assistance — for everyone living there, so multi-earner households pull the figure up even where individual pay is modest. Poverty reaches 10.7% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 01032 is valued at $319,200, 5.2% above the national figure, while median gross rent runs $1,281 a month, 8.9% below the national figure, or roughly $15,372 across a full year. A household on the local median income would put about 19.3% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. The home-price-to-income ratio works out to 4×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 88.7% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 55.7 puts ZIP 01032 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages. With 503 residents, a handful of survey responses moves every median on this page. Compare ZIP 01032 against its county rather than against national figures.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 01032 is tabulated inside Hampshire County, Massachusetts, one of 26 ZIP areas the Census publishes for that county and 539 across Massachusetts. Fewer than 2,500 people are counted here, so the ZIP behaves like a village delivery route rather than a neighbourhood. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 01032 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 01032 reports a median household income of $79,583, 14% below the $92,334 county median, and 26% below the $107,198 typical MA ZIP. Owner-occupied homes are valued at a median of $319,200, 9% below the county figure and 34% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,281 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

Massachusetts charges 6.25% statewide, and no local sales tax is layered on top, so the state rate is the full amount collected in 01032.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 01032 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.