Oxford, MA · standard
ZIP Code 01540
Worcester County, Massachusetts - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 11,291
- 225/sq mi High-density area
- $110,579
- Median income Above-median income area
- $376,100
- Median home value Above-median home value
- 29.8%
- Bachelor's or higher Near-average bachelor's attainment
National ZIP placement
Oxford pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 13%
- household income, US ZIPs
- Top 23%
- home value, US ZIPs
- 225
- people per sq mi
- 84%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 01540 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 01540 (Oxford, MA) rose +4.9% from 2023 to 2024. The all-transactions index moved from 248.1 in 2023 to 260.2 in 2024 (2000 = 100).
ZIP code 01540 is a mid-sized community (a standard USPS delivery area) in Oxford, Worcester County, Massachusetts, home to 11,291 residents across 50.1 square miles, a density of 225 people per square mile, in the New York time zone.
ZIP 01540 skews affluent, with a median household income of $110,579 (4% below the average Massachusetts ZIP), while per-capita income is $45,501. The poverty rate is 7.7%, with unemployment at 5.4%; those measures add context to the income figure. Home values sit below the statewide ZIP benchmark: the median is $376,100 (37% below the average Massachusetts ZIP), and median rent is $1,173; owner occupancy is 83.9%.
Educational attainment sits below the national norm: 29.8% of adults hold a bachelor's degree or higher, the median age is 44.2, and the average commute is 29 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Worcester County, so 01540 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 01540
Top 5 sectors by establishment count in Oxford, MA
Which industries have the most business establishments in ZIP 01540.
- Construction
Construction
49 establishments
- Other services (except public administration)
Other services (except public administration)
33 establishments
- Retail trade
Retail trade
26 establishments
- Accommodation and food services
Accommodation and food services
21 establishments
- Manufacturing 17
Manufacturing
17 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 01540, Oxford, 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
11,291
Population
50.1
Area (sq mi)
225
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 01540?
44.2
Median Age
47.7%
Male
52.3%
Female
6.2%
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?
$110,579
Median Household Income
-4% vs state ZIP avg
$45,501
Per Capita Income
7.7%
Poverty Rate
5.4%
Unemployment Rate
29.2 min
Mean Commute Time
How ZIP 01540 ranks among Massachusetts ZIPs
Oxford, 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)
$110,579 Top 50% higher than 50% 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
4,186housing units
4,186
Total Housing Units
4,039
Occupied Units
147
Vacant Units
2.71
Avg Household Size
Occupancy Type
$376,100
Median Home Value
-37% vs state ZIP avg
$1,173
Median Rent
1968
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
+4.9%
YoY Change (2024)
260
HPI Index (2000 = 100)
+160%
Total Change Since 2000
Home values in ZIP 01540 have increased 4.9% over the past year (2024). Since 2000, this ZIP has seen +160% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.8% | 176 |
| 2021 | +14.7% | 201 |
| 2022 | +11.7% | 225 |
| 2023 | +10.3% | 248 |
| 2024 | +4.9% | 260 |
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 235 business establishments in ZIP 01540, employing approximately 4,573 people with a combined annual payroll of $320,483,000.
235
Businesses
4,573
Employees
$320.5M
Annual Payroll
13
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 49 | 20.9% |
| Other services (except public administration) | 33 | 14.0% |
| Retail trade | 26 | 11.1% |
| Accommodation and food services | 21 | 8.9% |
| Manufacturing | 17 | 7.2% |
| Health care and social assistance | 17 | 7.2% |
| Professional, scientific, and technical services | 14 | 6.0% |
| Wholesale trade | 13 | 5.5% |
| Administrative and support and waste management and remediation services | 13 | 5.5% |
| Finance and insurance | 8 | 3.4% |
| Real estate and rental and leasing | 7 | 3.0% |
| Transportation and warehousing | 6 | 2.5% |
| Arts, entertainment, and recreation | 3 | 1.3% |
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 01540 vs 01570 →
ZIP 01540 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 01603
Worcester (01603)
19,916 residents
- 01570
Webster (01570)
16,767 residents
- 01501
Auburn (01501)
16,075 residents
- 01527
Millbury (01527)
13,246 residents
- 01507
Charlton (01507)
12,981 residents
- 01571
Dudley (01571)
11,390 residents
- 01540
Oxford (01540)
11,291 residents
- 01590
Sutton (01590)
8,875 residents
- 01537 2,248
North Oxford (01537)
2,248 residents
What this shows Among its immediate neighbors, ZIP 01540 ranks #7 by population - useful context the national average alone can't give.
ZIP 01540 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 01590
Sutton (01590)
$147,015 median income
- 01527
Millbury (01527)
$118,790 median income
- 01507
Charlton (01507)
$117,587 median income
- 01501
Auburn (01501)
$116,762 median income
- 01540
Oxford (01540)
$110,579 median income
- 01611
Cherry Valley (01611)
$109,868 median income
- 01537
North Oxford (01537)
$102,956 median income
- 01542
Rochdale (01542)
$96,111 median income
- 01571
Dudley (01571)
$84,604 median income
What this shows By household income, ZIP 01540 ranks #5 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 01570 | Webster, MA | 16,767 | 4.5 mi |
| 01537 | North Oxford, MA | 2,248 | 3.6 mi |
| 01501 | Auburn, MA | 16,075 | 5.6 mi |
| 01590 | Sutton, MA | 8,875 | 5.6 mi |
| 01507 | Charlton, MA | 12,981 | 5.8 mi |
| 01542 | Rochdale, MA | 2,202 | 6.5 mi |
| 01571 | Dudley, MA | 11,390 | 5.8 mi |
| 01603 | Worcester, MA | 19,916 | 8.8 mi |
| 01611 | Cherry Valley, MA | 2,242 | 8.5 mi |
| 01527 | Millbury, MA | 13,246 | 6.8 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 01540, 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 (11,291 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 01540 in?
ZIP code 01540 (Oxford) 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 01540?
ZIP code 01540 in Oxford, MA has a population of 11,291 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 01540?
The median household income in ZIP 01540 is $110,579, which is 45% above the national average of $76,288.
What is the average home value in ZIP 01540?
The median home value in ZIP 01540 is $376,100, which is 35% above the national average of $278,155.
What is the demographic makeup of ZIP 01540?
The largest racial group in ZIP 01540 is White at 88.6%. Hispanic or Latino residents make up 6.1% of the population.
How many businesses are in ZIP code 01540?
ZIP code 01540 has 235 business establishments employing approximately 4,573 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 01540?
The top industries by establishment count in ZIP 01540 are: Construction (49), Other services (except public administration) (33), Retail trade (26). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 01540?
According to the FHFA House Price Index, home values in ZIP 01540 increased by 4.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 160%. 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 01540?
In ZIP code 01540, 64.9% of residents aged 25+ have a high school diploma or higher, and 29.8% 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 01540?
The mean commute time for workers in ZIP code 01540 is 29.2 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 01540?
In ZIP code 01540, approximately 83.9% of occupied housing units are owner-occupied and 16.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 01540?
The poverty rate in ZIP code 01540 is 7.7% 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 01540's numbers, next.
- See how ZIP 01540 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Oxford, 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.