PlainZIP

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
$67,440
Median income
$303,500
Median home value
23.9%
Bachelor's or higher

The verdict

Gardner pairs a below-median household income with above-median home values, in a low-density, mixed-tenure area.

43th 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.

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 Massachusetts average), while per-capita income is $37,282. The poverty rate stands at 13.7% and the unemployment rate at 7.0%. Housing costs here run $303,500 for a typical home value (49% below the state average), with rent averaging $1,109 a month; 59.1% of homes are owner-occupied.

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. A geography-based comparison follows: 8 ZIP codes within about 10 miles of 01440, plus 6 more within Worcester 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 01440

Top 5 sectors by establishment count in Gardner, MA

Which industries have the most business establishments in ZIP 01440.

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 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

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 01440?

43.7

Median Age

51.6%

Male

48.4%

Female

7.9%

Foreign-Born

White 79.7%
African American 4.1%
Asian 2.4%
American Indian or Alaska Native 0.1%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 10.7%
Hispanic or Latino 10.6%

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

$37,282

Per Capita Income

13.7%

Poverty Rate

7.0%

Unemployment Rate

30.6 min

Mean Commute Time

How ZIP 01440 ranks nationally

Gardner, MA household income vs. every US ZIP code

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

$67,440 43rd percentile higher than 43% 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%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). This entry sits in this band. $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 59.0%
Bachelor's Degree or Higher 23.9%

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

What does housing look like?

9,555

Total Housing Units

9,007

Occupied Units

548

Vacant Units

2.22

Avg Household Size

Occupancy Type

Owner 59.1%
Renter 40.9%

$303,500

Median Home Value

-49% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 01440 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 01440 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 01440 ranks #8 of 8 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
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

More ZIP Codes in Worcester County

01453 standard
Leominster, MA
Pop: 40,883
01420 standard
Fitchburg, MA
Pop: 40,337
01545 standard
Shrewsbury, MA
Pop: 35,299
01604 standard
Worcester, MA
Pop: 34,677
01757 standard
Milford, MA
Pop: 28,061
01605 standard
Worcester, MA
Pop: 26,221

Related Areas

Worcester County Gardner, MA Massachusetts

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.

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