ZIP code 01945

ZIP 01945 is a mid-size town in Essex County, Massachusetts, with 20,390 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #124 of 539 ranked by population — larger than 77% of them. The median age here is 49.2 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 01945 earn a median of $164,325 a year, 109.2% above the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 3.7% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 01945 is valued at $904,700, 198.2% above the national figure, while median gross rent runs $1,769 a month, 25.8% above the national figure, or roughly $21,228 across a full year. A household on the local median income would put about 12.9% 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 5.5×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 82.9% 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.

Every value on this page is published directly by the Census for this area — nothing is modelled or interpolated. 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 01945 is tabulated inside Essex County, Massachusetts, one of 44 ZIP areas the Census publishes for that county and 539 across Massachusetts. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. 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 01945 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 01945 reports a median household income of $164,325, 40% above the $117,072 county median, and 53% above the $107,198 typical MA ZIP. Owner-occupied homes are valued at a median of $904,700, 44% above the county figure and 88% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $1,769 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 01945.

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 01945 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.