ZIP 01040 vs ZIP 01013

This side-by-side compares ZIP 01040 (Holyoke, MA) and ZIP 01013 (Chicopee, MA) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 01040 has a population of 39,880 at 728 people per square mile, while ZIP 01013 has 23,188 at 1,590 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 01040 reports a median household income of $53,605 against $59,759 in ZIP 01013, with per-capita income of $31,236 vs $33,669. The share of adults holding a bachelor's degree or higher is 25.9% in 01040 and 21.4% in 01013. Poverty rate reads 27.0% vs 18.8%, and unemployment 7.7% vs 7.4% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $274,100 in 01040 versus $271,900 in 01013, with median rent of $1,021 and $1,054 per month respectively. Homeownership rate is 41.3% vs 49.2%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.