Residential delivery area · Massachusetts
ZIP Code 01440: Gardner, MA
ZIP code 01440 is in Gardner, Massachusetts, entirely in Worcester County (Census 2020 ZIP-county file). About 21,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $67,440 (Census Bureau, ACS 2020-2024). By Census place, 90% of its land lies in Gardner; 10% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Gardner · its only residential ZIP
- County
- Worcester County
- Census places
- Gardner
- Metro area
- Worcester, MA
- House districts
- MA-3 (98%), MA-2 (2%) 119th Congress, by share of land
- State
- Massachusetts
- Time zone
- Eastern
- Land area
- 24.5 sq mi · 868 people per sq mi
Where is ZIP code 01440?
01440 centers on 42.588°, -71.986° and covers 24.5 square miles of land plus 1.3 of water. It borders 7 ZIP codes: 01438, 01473, 01436, 01468, 01452, 01475, 01430.
The map draws ZIP code areas only. For the streets inside 01440, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 01440 compare with the rest of Worcester County?
| Measure | 01440 | In Worcester County | In MA |
|---|---|---|---|
| People (ACS 2020-2024) | 21,276 | 12th of 87 | 119th of 539 |
| Median household income | $67k | 62nd of 67 | 367th of 406 |
| Median home value | $304k | 73rd of 77 | 411th of 449 |
Its median household income is higher than in 43% of U.S. residential ZIP codes, and it is denser than 77% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 01440?
The 2020 Census counted 21,577 people in 01440; the ACS, which samples households over 2020-2024, estimates 21,276. Between the 2010 and 2020 censuses its population grew 6.0% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 21,276
- 2020 Census count
- 21,577+6.0% since 2010 (20,347)
- Households
- 9,007
- Median age
- 43.7
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 01440?
Of the 21,276 people the ACS estimates in 01440, 18.2% are under 18 and 19.7% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (77.8%), then Hispanic or Latino (10.6%).
- Under 1818.2%
- 18 to 6462.0%
- 65 and older19.7%
- White, not Hispanic77.8%
- Hispanic or Latino10.6%
- Other or two or more5.2%
- Black, not Hispanic4.0%
- Asian, not Hispanic2.4%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 01440 earn?
Median household income is $67,440 (ACS 2020-2024), the 62nd highest of the 67 ranked ZIP codes in Worcester County. It is not measurably different from 2015-2019 ($60,956 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $67,440±$8,206
- Income per person
- $37,282
- Below the poverty line
- 13.7%
- Unemployed (of the labor force)
- 7.0%
- Adults 25+ with a bachelor's degree
- 23.9%
- Adjusted gross income per tax return, 2022
- $60,5299,970 returns; wages 78% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 01440?
FHFA's house price index for 01440, built from repeat sales and appraisals of the same homes, rose 125% from 2015 to 2025 and rose 60% from 2020 to 2025, and moved +0.2% in 2025.
- Median home value (owners' estimate)
- $303,500
- Median gross rent
- $1,109
- Homes owned by their occupants
- 59.1%
- Housing units
- 9,555
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 01440?
430 business establishments had a location in this ZIP code in 2023, 15 more than in 2018; the most are in health care and social assistance (ZIP Code Business Patterns).
- Health care and social assistance82
- Retail trade78
- Other services (except public administration)44
- Accommodation and food services42
- Construction41
- Manufacturing28
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 01440?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 01438 | East Templeton | 330 | – | 3.2 mi |
| 01473 | Westminster | 8,374 | $106k | 4.7 mi |
| 01436 | Baldwinville | 3,720 | $78k | 5.2 mi |
| 01468 | Templeton | 4,183 | $113k | 5.2 mi |
| 01452 | Hubbardston | 4,371 | $124k | 6.5 mi |
| 01475 | Winchendon | 10,265 | $77k | 6.6 mi |
| 01430 | Ashburnham | 6,481 | $119k | 6.7 mi |
| 01420 | Fitchburg | 41,839 | $73k | 8.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.