PlainZIP

Holyoke, MA · standard

ZIP Code 01040

Hampden County, Massachusetts - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

39,880
728/sq mi
$53,605
Median income
$274,100
Median home value
25.9%
Bachelor's or higher

The verdict

Holyoke pairs one of the lowest household incomes in the country with above-median home values, in a low-density, mixed-tenure area.

19th pct
household income, US ZIPs
Top 38%
home value, US ZIPs
728
people per sq mi
41%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 01040 against every reporting US ZIP.

ZIP code 01040 is a densely settled ZIP (a standard USPS delivery area) in Holyoke, Hampden County, Massachusetts, with 39,880 residents across 54.8 square miles, a density of 728 people per square mile, in the New York time zone.

ZIP 01040 reports a modest median household income of $53,605 (54% below the Massachusetts average), while per-capita income is $31,236. 27.0% of residents live below the poverty line, and the unemployment rate reads 7.7%. Median home value sits at $274,100 (54% below the state average), median rent at $1,021 a month, and owner-occupancy at 41.3%.

Educational attainment sits below the national norm: 25.9% of adults hold a bachelor's degree or higher, the median age is 40, and the average commute is 19 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 01040, plus 6 more within Hampden County, give a clearer read than the national average alone.

Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →

Top industries in ZIP 01040

Top 5 sectors by establishment count in Holyoke, MA

Which industries have the most business establishments in ZIP 01040.

establishments

What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.

Source U.S. Census Bureau · ZIP Code Business Patterns (ZBP) As of 2023

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 01040, Holyoke, MA · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.

Quick Facts

39,880

Population

54.8

Area (sq mi)

728

People / sq mi

New York

Time Zone

standard

ZIP Type

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 01040?

40.0

Median Age

48.5%

Male

51.5%

Female

6.2%

Foreign-Born

White 53.1%
African American 3.4%
Asian 1.3%
American Indian or Alaska Native 0.5%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 26.6%
Hispanic or Latino 52.4%

Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How much do residents earn?

$53,605

Median Household Income

-54% vs state

$31,236

Per Capita Income

27.0%

Poverty Rate

7.7%

Unemployment Rate

19.3 min

Mean Commute Time

How ZIP 01040 ranks nationally

Holyoke, MA household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$53,605 19th percentile higher than 19% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). This entry sits in this band. $60,000–$80,000: 9,980 US ZIPs (33%). Above this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Above this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Above this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What is the education profile here?

High School Graduate or Higher 54.8%
Bachelor's Degree or Higher 25.9%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

17,057

Total Housing Units

15,618

Occupied Units

1,439

Vacant Units

2.34

Avg Household Size

Occupancy Type

Owner 41.3%
Renter 58.7%

$274,100

Median Home Value

-54% vs state

$1,021

Median Rent

1950

Median Year Built

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

How have home values changed over time?

FHFA House Price Index, annual appreciation data based on repeat sales and appraisals

-2.4%

YoY Change (2024)

268

HPI Index (2000 = 100)

+168%

Total Change Since 2000

Home values in ZIP 01040 have decreased 2.4% over the past year (2024). Since 2000, this ZIP has seen +168% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.6% 185
2021 +13.9% 211
2022 +12.8% 237
2023 +15.8% 275
2024 -2.4% 268

Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 827 business establishments in ZIP 01040, employing approximately 16,879 people with a combined annual payroll of $929,704,000.

827

Businesses

16,879

Employees

$929.7M

Annual Payroll

15

Industry Sectors

Industry Establishments % of Total
Retail trade 180 21.8%
Health care and social assistance 133 16.1%
Accommodation and food services 95 11.5%
Other services (except public administration) 79 9.6%
Construction 52 6.3%
Professional, scientific, and technical services 52 6.3%
Manufacturing 45 5.4%
Real estate and rental and leasing 40 4.8%
Finance and insurance 36 4.3%
Administrative and support and waste management and remediation services 31 3.8%
Educational services 20 2.4%
Wholesale trade 18 2.2%
Arts, entertainment, and recreation 18 2.2%
Transportation and warehousing 16 1.9%
Information 8 1.0%

Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.

Nearby ZIP Codes

Want a side-by-side? Compare 01040 vs 01013 →

ZIP 01040 vs its nearest neighbors, by population

Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.

residents

What this shows Among its immediate neighbors, ZIP 01040 ranks the most populous - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 01040 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

median income

What this shows By household income, ZIP 01040 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
ZIP Code City Population Distance
01013 Chicopee, MA 23,188 4.0 mi
01089 West Springfield, MA 28,391 6.0 mi
01075 South Hadley, MA 17,527 4.4 mi
01063 Northampton, MA 430 7.4 mi
01020 Chicopee, MA 29,668 4.6 mi
01022 Chicopee, MA 2,451 5.1 mi
01073 Southampton, MA 5,792 5.1 mi
01060 Northampton, MA 15,284 7.6 mi
01107 Springfield, MA 11,611 6.6 mi
01199 Springfield, MA 0 6.6 mi

More ZIP Codes in Hampden County

01085 standard
Westfield, MA
Pop: 41,117
01109 standard
Springfield, MA
Pop: 30,250
01020 standard
Chicopee, MA
Pop: 29,668
01089 standard
West Springfield, MA
Pop: 28,391
01108 standard
Springfield, MA
Pop: 26,688
01013 standard
Chicopee, MA
Pop: 23,188

Related Areas

Hampden County Holyoke, MA Massachusetts

Frequently Asked Questions

What county is ZIP code 01040 in? ▼
ZIP code 01040 (Holyoke) is located in Hampden County, Massachusetts. Hampden County contains multiple ZIP codes, see the full list at /counties/hampden-ma.
What is the population of ZIP code 01040? ▼
ZIP code 01040 in Holyoke, MA has a population of 39,880 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 01040? ▼
The median household income in ZIP 01040 is $53,605, which is 30% below the national average of $76,288.
What is the average home value in ZIP 01040? ▼
The median home value in ZIP 01040 is $274,100, which is 1% below the national average of $278,155.
What is the demographic makeup of ZIP 01040? ▼
The largest racial group in ZIP 01040 is White at 53.1%. Hispanic or Latino residents make up 52.4% of the population.
How many businesses are in ZIP code 01040? ▼
ZIP code 01040 has 827 business establishments employing approximately 16,879 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 01040? ▼
The top industries by establishment count in ZIP 01040 are: Retail trade (180), Health care and social assistance (133), Accommodation and food services (95). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 01040? ▼
According to the FHFA House Price Index, home values in ZIP 01040 decreased by 2.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 168%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 01040? ▼
In ZIP code 01040, 54.8% of residents aged 25+ have a high school diploma or higher, and 25.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 01040? ▼
The mean commute time for workers in ZIP code 01040 is 19.3 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend less time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 01040? ▼
In ZIP code 01040, approximately 41.3% of occupied housing units are owner-occupied and 58.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 01040? ▼
The poverty rate in ZIP code 01040 is 27.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.

Read our methodology to see how this data is sourced, computed, and verified.