Gardner, MA · standard
ZIP Code 01440
Worcester County, Massachusetts - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 20,347
- 327/sq mi High-density area
- $67,440
- Median income Near-median income area
- $303,500
- Median home value Above-median home value
- 23.9%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Gardner pairs a below-median household income with above-median home values, in a low-density, mixed-tenure area.
- 43rd pct
- household income, US ZIPs
- Top 33%
- home value, US ZIPs
- 327
- people per sq mi
- 59%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 01440 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 01440 (Gardner, MA) rose +2.8% from 2023 to 2024. The all-transactions index moved from 267.7 in 2023 to 275.2 in 2024 (2000 = 100).
ZIP code 01440 is a densely settled ZIP (a standard USPS delivery area) in Gardner, Worcester County, Massachusetts, with 20,347 residents across 62.2 square miles, a density of 327 people per square mile, in the New York time zone.
ZIP 01440 reports a modest median household income of $67,440 (42% below the average Massachusetts ZIP), while per-capita income is $37,282. The poverty rate is 13.7%, with unemployment at 7.0%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $303,500 (49% below the average Massachusetts ZIP), and median rent is $1,109; owner occupancy is 59.1%.
Educational attainment sits below the national norm: 23.9% of adults hold a bachelor's degree or higher, the median age is 43.7, and the average commute is 31 minutes. The page also surfaces 8 ZIP codes within roughly 10 miles and 6 more in Worcester County, so 01440 can be compared with both its immediate and county-level context.
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 01440
Top 5 sectors by establishment count in Gardner, MA
Which industries have the most business establishments in ZIP 01440.
- Health care and social assistance
Health care and social assistance
82 establishments
- Retail trade
Retail trade
78 establishments
- Other services (except public administration)
Other services (except public administration)
44 establishments
- Accommodation and food services
Accommodation and food services
42 establishments
- Construction
Construction
41 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, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 01440, Gardner, 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
20,347
Population
62.2
Area (sq mi)
327
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 01440?
43.7
Median Age
51.6%
Male
48.4%
Female
7.9%
Foreign-Born
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?
$67,440
Median Household Income
-42% vs state ZIP avg
$37,282
Per Capita Income
13.7%
Poverty Rate
7.0%
Unemployment Rate
30.6 min
Mean Commute Time
How ZIP 01440 ranks among Massachusetts ZIPs
Gardner, MA household income vs. every Massachusetts ZIP code
Median household income among 505 reporting Massachusetts ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$67,440 10th percentile higher than 10% of 505 Massachusetts ZIPs
Each bar is a $20K-wide band; taller bars hold more Massachusetts 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
9,555housing units
9,555
Total Housing Units
9,007
Occupied Units
548
Vacant Units
2.22
Avg Household Size
Occupancy Type
$303,500
Median Home Value
-49% vs state ZIP avg
$1,109
Median Rent
1954
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
+2.8%
YoY Change (2024)
275
HPI Index (2000 = 100)
+175%
Total Change Since 2000
Home values in ZIP 01440 have increased 2.8% over the past year (2024). Since 2000, this ZIP has seen +175% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +8.1% | 172 |
| 2021 | +15.9% | 199 |
| 2022 | +18.1% | 235 |
| 2023 | +13.8% | 268 |
| 2024 | +2.8% | 275 |
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 430 business establishments in ZIP 01440, employing approximately 7,079 people with a combined annual payroll of $376,115,000.
430
Businesses
7,079
Employees
$376.1M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Health care and social assistance | 82 | 19.1% |
| Retail trade | 78 | 18.1% |
| Other services (except public administration) | 44 | 10.2% |
| Accommodation and food services | 42 | 9.8% |
| Construction | 41 | 9.5% |
| Manufacturing | 28 | 6.5% |
| Professional, scientific, and technical services | 24 | 5.6% |
| Administrative and support and waste management and remediation services | 19 | 4.4% |
| Real estate and rental and leasing | 15 | 3.5% |
| Finance and insurance | 13 | 3.0% |
| Transportation and warehousing | 11 | 2.6% |
| Arts, entertainment, and recreation | 10 | 2.3% |
| Wholesale trade | 8 | 1.9% |
| Information | 8 | 1.9% |
| Educational services | 6 | 1.4% |
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 01440 vs 01438 →
ZIP 01440 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 01440
Gardner (01440)
20,347 residents
- 01475
Winchendon (01475)
10,270 residents
- 01473 7,277
Westminster (01473)
7,277 residents
- 01430 6,089
Ashburnham (01430)
6,089 residents
- 01452 4,382
Hubbardston (01452)
4,382 residents
- 01468 4,021
Templeton (01468)
4,021 residents
- 01541 3,413
Princeton (01541)
3,413 residents
- 01436 3,336
Baldwinville (01436)
3,336 residents
- 01438 559
East Templeton (01438)
559 residents
What this shows Among its immediate neighbors, ZIP 01440 ranks the most populous - useful context the national average alone can't give.
ZIP 01440 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 01541
Princeton (01541)
$158,750 median income
- 01452
Hubbardston (01452)
$123,500 median income
- 01430
Ashburnham (01430)
$118,683 median income
- 01468
Templeton (01468)
$113,427 median income
- 01473
Westminster (01473)
$106,331 median income
- 01436
Baldwinville (01436)
$77,721 median income
- 01475
Winchendon (01475)
$76,552 median income
- 01440
Gardner (01440)
$67,440 median income
What this shows By household income, ZIP 01440 ranks #8 of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 01438 | East Templeton, MA | 559 | 2.9 mi |
| 01468 | Templeton, MA | 4,021 | 4.9 mi |
| 01473 | Westminster, MA | 7,277 | 4.9 mi |
| 01436 | Baldwinville, MA | 3,336 | 5.3 mi |
| 01452 | Hubbardston, MA | 4,382 | 7.2 mi |
| 01430 | Ashburnham, MA | 6,089 | 6.0 mi |
| 01475 | Winchendon, MA | 10,270 | 6.3 mi |
| 01541 | Princeton, MA | 3,413 | 10.5 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 01440, both outside MA so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (20,347 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Worcester County
Related Areas
Frequently Asked Questions
What county is ZIP code 01440 in?
ZIP code 01440 (Gardner) is located in Worcester County, Massachusetts. Worcester County contains multiple ZIP codes, see the full list at /counties/worcester-ma.
What is the population of ZIP code 01440?
ZIP code 01440 in Gardner, MA has a population of 20,347 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 01440?
The median household income in ZIP 01440 is $67,440, which is 12% below the national average of $76,288.
What is the average home value in ZIP 01440?
The median home value in ZIP 01440 is $303,500, which is 9% above the national average of $278,155.
What is the demographic makeup of ZIP 01440?
The largest racial group in ZIP 01440 is White at 79.7%. Hispanic or Latino residents make up 10.6% of the population.
How many businesses are in ZIP code 01440?
ZIP code 01440 has 430 business establishments employing approximately 7,079 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 01440?
The top industries by establishment count in ZIP 01440 are: Health care and social assistance (82), Retail trade (78), Other services (except public administration) (44). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 01440?
According to the FHFA House Price Index, home values in ZIP 01440 increased by 2.8% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 175%. 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 01440?
In ZIP code 01440, 59.0% of residents aged 25+ have a high school diploma or higher, and 23.9% 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 01440?
The mean commute time for workers in ZIP code 01440 is 30.6 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 01440?
In ZIP code 01440, approximately 59.1% of occupied housing units are owner-occupied and 40.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 01440?
The poverty rate in ZIP code 01440 is 13.7% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 01440's numbers, next.
- See how ZIP 01440 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Gardner, MA ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.