ZIP code 01103

ZIP 01103 is a small town in Hampden County, Massachusetts, with 2,336 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #413 of 539 ranked by population — larger than 23% of them. The median age here is 35.9 years against 39.1 nationally, a slightly younger profile than the country as a whole. 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 01103 earn a median of $21,458 a year, 72.7% below the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 44.4% of residents here, well above the 12.4% national rate, which is the single clearest signal in this dataset that median income here is carried by a narrow band of households.

The typical owner-occupied home in ZIP 01103 is valued at $148,000, 51.2% below the national figure, while median gross rent runs $1,053 a month, 25.1% below the national figure, or roughly $12,636 across a full year. A household on the local median income would put about 58.9% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is severely stretched — a median-income renter clears the cost-burden line by a wide margin before utilities beyond the gross-rent definition. The home-price-to-income ratio works out to 6.9×, against roughly 3.9× nationally, so buying is out of reach on local earnings alone and the ownership market leans on outside income, equity or dual high earners. 8.4% of occupied homes are owner-occupied versus 65% nationally, a renter-majority market, so rent figures matter more here than the home-value line. Gross rent folds in the utilities a tenant pays separately, so it is closer to the real monthly outlay than a headline rent figure.

Home values sit at 6.9× median household income, far past the 3.9× national mark, so ownership costs here are set by something other than local wages — second homes, retirees with equity, or commuters earning elsewhere.

No figure on this page is estimated by us; each one comes straight from the published ACS tables for this area. 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 01103 is tabulated inside Hampden County, Massachusetts, one of 39 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 01103 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 01103 reports a median household income of $21,458, 74% below the $82,364 county median, and 80% below the $107,198 typical MA ZIP. Owner-occupied homes are valued at a median of $148,000, 46% below the county figure and 69% below the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,053 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 01103.

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 01103 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.