ZIP Code 01085: Population, Income, Housing

State: MA
Total population: 41,102 Household income: $88,728 Rent: $1,117

Overview

Total population
41,102
Rent
$1,117
Year built
1965
Household income
$88,728
Per capita income
$42,122
Poverty rate
10.5%
Unemployment rate
N/A
Household size
2.4 persons
Rent over 30% of income
42.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State
Massachusetts
County
Hampden County
City
Westfield
Total population
41,102
Adults over 25
28,169
Total households
16,112
Household size
2.4 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Income & Poverty

Household income
$88,728
Per capita income
$42,122
Poverty rate
10.5%
Unemployment rate
N/A
Rent over 30% of income
42.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Housing

Rent
$1,117
Year built
1965
Households that rent
30.8%
Households that own
69.2%
Rooms per home (all homes)
5.7

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Race

White
85.1%
Black
0.9%
Asian
3%
Two or more races
6.9%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Ethnicity

Hispanic or Latino
9.3%
Not Hispanic or Latino
90.7%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Commute

Commute rate
18,656 (91.4%)
Commute time to work
27 mins
Work from home
1,766 (8.6%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Education

Less than high school
23.6%
High school graduate or GED
29.2%
Some college or associate degree
13.8%
Bachelor’s degree or higher
33.3%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

 

Comparison of ZIP Code 01085 with: Hampden County, MA Springfield metro area, MA Massachusetts United States

ZIP 01085

Total population41,102
Rent$1,117
Year built1965
Household income$88,728
Per capita income$42,122
Poverty rate10.5%
Unemployment rateN/A

Hampden County, MA

Total population462,815
Rent$1,136
Year built1959
Household income$71,306
Per capita income$38,219
Poverty rate16.3%
Unemployment rate5%

Springfield Metro Area, MA

Total population462,815
Rent$1,136
Year built1959
Household income$71,306
Per capita income$38,219
Poverty rate16.3%
Unemployment rate5.1%

Massachusetts State

Total population7,044,056
Rent$1,762
Year built1964
Household income$103,960
Per capita income$57,897
Poverty rate10%
Unemployment rate4%

United States

Total population334,922,499
Rent$1,413
Year built1980
Household income$80,734
Per capita income$44,673
Poverty rate12.5%
Unemployment rate4%
Metric ZIP01085 CountyHampden, MAMetro AreaSpringfield metro area, MAStateMassachusettsCountryUnited States
Total population41,102462,815462,8157,044,056334,922,499
Rent$1,117$1,136$1,136$1,762$1,413
Year built19651959195919641980
Household income$88,728$71,306$71,306$103,960$80,734
Per capita income$42,122$38,219$38,219$57,897$44,673
Poverty rate10.5%16.3%16.3%10%12.5%
Unemployment rateN/A5%5.1%4%4%

View the full multi-level comparison →

 

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Summary for 01085

Rent & Income

In 01085, the typical monthly rent is $1,117 and the typical household income is $88,728. Rent here is lower than Massachusetts, and household income is lower than Massachusetts. The estimated poverty rate is 10.5%.

Housing & Affordability

This ZIP Code is primarily owner-occupied, with renters accounting for about 30.8% of households. About 42.8% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is moderate, with about 33.3% of adults holding a bachelor’s degree or higher.

 

ZIP 01085 — Rent vs Household Income

 

 

ZIP 01085 — Poverty

 

 

How ZIP 01085 compares in Massachusetts (62 ZIP Codes)

Metric This ZIP Rank Starts from State range
Rent $1,117 3 / 62 from lower rent $1,021 – $2,873
Household income $88,728 37 / 62 from higher income $48,415 – $172,606
Poverty rate 10.5% 30 / 62 from lower poverty 2.9% – 30.5%

Rankings are calculated among ZIP Codes in Massachusetts with total population > 30,000 (year 2024).

 

Detailed Ranking Explanation for ZIP Code 01085

Rent

When it comes to rent, ZIP Code 01085 ranks 3rd out of 62 ZIP Codes in Massachusetts. Statewide, values range from $1,021 in ZIP 01040 up to $2,873 in ZIP 02446.

Household income

Income-wise, this area is placed 37th out of 62 ZIP Codes. Across Massachusetts, figures vary from $48,415 in ZIP 01109 up to $172,606 in ZIP 01810.

Poverty rate

When it comes to poverty, ZIP Code 01085 places 30th out of 62 ZIP Codes. Throughout Massachusetts, numbers span from 2.9% in ZIP 01810 up to 30.5% in ZIP 01610.

 

💰 Rent in ZIP Code 01085 (with Utilities)

Estimated Monthly Rent: $1,117 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 01085

Annual Household Income: $88,728

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 01085

Estimated Rate: 10.5%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 01085

In ZIP Code 01085, households that rent: 4,969 (30.8%)

📊 What does the renter household percentage reveal about this ZIP Code?
Household Type Count Share
Renter-Occupied 4,969 30.8%
Owner-Occupied 11,143 69.2%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 01085

In ZIP Code 01085, cost-burdened renters (households spending over 30% of income on housing): 2,128 (42.8%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?
Household Group Households Share
Cost-burdened renters (over 30%) 2,128 42.8%
Other renter households 2,841 57.2%
Total renter households 4,969 100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 01085

Less than High School: 6,658 people (23.6%)

Includes adults who did not complete high school.

High School Graduate or GED: 8,224 people (29.2%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 3,897 people (13.8%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 9,390 people (33.3%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 28,169

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

 

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.