PlainZIP

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
$110,579
Median income
$376,100
Median home value
29.8%
Bachelor's or higher

The verdict

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.

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 Massachusetts average), while per-capita income is $45,501. 7.7% of residents live below the poverty line, and the unemployment rate reads 5.4%. The typical home here is valued at $376,100 (37% below the state average); renters pay a median of $1,173 monthly, and 83.9% of units are owner-occupied.

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. To put 01540 in local context, 10 ZIP codes within roughly 10 miles appear further down this page alongside 6 additional ZIPs in Worcester County, for a geography-aware comparison.

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.

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 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

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 01540?

44.2

Median Age

47.7%

Male

52.3%

Female

6.2%

Foreign-Born

White 88.6%
African American 0.5%
Asian 2.6%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 7.0%
Hispanic or Latino 6.1%

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

$45,501

Per Capita Income

7.7%

Poverty Rate

5.4%

Unemployment Rate

29.2 min

Mean Commute Time

How ZIP 01540 ranks nationally

Oxford, MA household income vs. every US ZIP code

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

$110,579 Top 13% higher than 87% 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%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). This entry sits in this band. $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 64.9%
Bachelor's Degree or Higher 29.8%

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

What does housing look like?

4,186

Total Housing Units

4,039

Occupied Units

147

Vacant Units

2.71

Avg Household Size

Occupancy Type

Owner 83.9%
Renter 16.1%

$376,100

Median Home Value

-37% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 01540 ranks #7 by population - useful context the national average alone can't give.

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

ZIP 01540 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 01540 ranks #5 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
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

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 Oxford, MA Massachusetts

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.

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