The 01431 ZIP Code is primarily associated with Ashby, MA in Middlesex County in the United States. The current population estimate is 3,220. The median household income is $97,958, while about 3% of the population is living below the poverty line. The median age in 01431 is estimated to at 45.9 years, and about 21.7% of residents are aged 62 years and older. In this Massachusetts region, an estimated 93.1% hold a high school degree or higher, and the per capita income is approximately $40,389.
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The median household income in ZIP Code 01431 is $97,958, while the region's mean household income is $108,790. Breaking income down further, per capita income in the region is $40,389. The per capita income in ZIP Code 01431 of $40,389 is approximately 7.71% less than the per capita income in the U.S. overall of $43,761. An estimated 2.7% of the population is living below the poverty line in this region. This rate is approximately 71.58% lower than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 27.8% of the population in 01431 earn $100,000 to $149,999 per year, while an estimated 19.5% earn $50,000 to $74,999 per year, and 0.5% of 01431 residents earn less than $10,000 per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 0.5% |
| $10,000 to $14,999 per year | 1.5% |
| $15,000 to $24,999 per year | 2.7% |
| $25,000 to $34,999 per year | 6.3% |
| $35,000 to $49,999 per year | 6.9% |
| $50,000 to $74,999 per year | 19.5% |
| $75,000 to $99,999 per year | 14.7% |
| $100,000 to $149,999 per year | 27.8% |
| $150,000 to $199,999 per year | 11.7% |
| $200,000 or more per year | 8.3% |
In ZIP Code 01431, 93.1% of the population graduated high school, while 33.2% have a bachelor's degree or higher. In this region, 1.9% achieved an education level less than 9th grade, while 11.6% hold a graduate or professional degree. Approximately 32.6% in this Middlesex County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 1.9% |
| 9th to 12th grade, no diploma | 5.0% |
| High school graduate (includes equivalency) | 32.6% |
| Some college, no degree | 15.6% |
| Associate's degree | 11.6% |
| Bachelor's degree | 21.6% |
| Graduate or professional degree | 11.6% |
Looking at race in the population that makes up ZIP Code 01431, 98.8% is one race, while 1.2% are two or more races. Approximately 2.5% of 01431 residents are hispanic or Latino (of any race). The most common race in 01431 (race alone or in combination with one or more other races), is White (98.4%), followed by Black or African American (1.6%) .
| Industry | Percent |
|---|---|
| White | 98.4% |
| Black or African American | 1.6% |
| American Indian and Alaska Native | 0.7% |
| Asian | 0.7% |
| Native Hawaiian and Other Pacific Islander | 0.0% |
| Some other race | 0.3% |
In ZIP Code 01431, 96.9% of the population lists "English only" as the language spoken in home, while 0.1% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 1.6% of homes, and other Indo-European languages are spoken in 0.6% of homes. Lastly, 0.7% of homes list "other languages" as spoken in the home. All percentages referenced are for the population 5 years and older in this Middlesex County region.
| Language Spoken | Percent |
|---|---|
| English only | 96.9% |
| Spanish | 0.1% |
| Other Indo-European languages | 1.6% |
| Asian and Pacific Islander languages | 0.6% |
| Other languages | 0.7% |
Regarding the age of homes in ZIP Code 01431, an estimated 21.0% of homes were built in 1939 or earlier. Additionally, 15.6% of homes in the region were built between 1980 and 1989, while an estimated 0.4% of homes were built between 2010 and 2013 in this Middlesex County region.
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 1.2% |
| Built between 2010 and 2013 | 0.4% |
| Built between 2000 and 2009 | 12.5% |
| Built between 1990 and 1999 | 11.5% |
| Built between 1980 and 1989 | 15.6% |
| Built between 1970 and 1979 | 5.3% |
| Built between 1960 and 1969 | 12.5% |
| Built between 1950 and 1959 | 14.0% |
| Built between 1940 and 1949 | 6.0% |
| Built in 1939 or earlier | 21.0% |
Residents of ZIP Code 01431 are older than average. The median age of 45.9 years in ZIP Code 01431 is approximately 20.47% higher than the overall median age in the U.S. of 38.1 years. About 80.6% of residents are aged 18 years and older, and 21.7% of residents are 62 years and over. Approximately 15.4% of the population in 01431 falls in the age group 45 to 54 years, while an estimated 11.6% are aged 35 to 44 years. On the low end of the scale, 1.3% of 01431 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 3.7% |
| 5 to 9 years | 5.2% |
| 10 to 14 years | 6.2% |
| 15 to 19 years | 7.0% |
| 20 to 24 years | 3.9% |
| 25 to 34 years | 10.6% |
| 35 to 44 years | 11.6% |
| 45 to 54 years | 15.4% |
| 55 to 59 years | 9.4% |
| 60 to 64 years | 11.3% |
| 65 to 74 years | 10.3% |
| 75 to 84 years | 4.1% |
| 85 years and over | 1.3% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 01431 is current access to health insurance, as an estimated 97.1% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 01431 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 97.1% |
| Risk Behavior | Percent of adults* |
|---|
Regarding solar power potential, ZIP Code 01431 has an average daily solar radiation level of 4.9 kWh/m2/day. This is approximately 18.93% greater than an area in the U.S. with historically low solar radiation levels (WA), and about 25.64% less than an area in the U.S. with historically high solar radiation levels (AZ).
| Region | Residential | Commercial | Industrial |
|---|---|---|---|
| ZIP Code 01431 | 16.95¢/kWh | 14.42¢/kWh | 7.27¢/kWh |
| Massachusetts | 29.17¢/kWh | 20.7¢/kWh | 18.03¢/kWh |
| United States | 16.83¢/kWh | 13.2¢/kWh | 8.21¢/kWh |
| Month | ZIP Code 01431 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 3.78 | 1.9 | 5.84 |
| Feb | 4.9 | 3 | 6.31 |
| Mar | 5.33 | 3.65 | 7.02 |
| Apr | 5.59 | 5.13 | 7.3 |
| May | 5.33 | 5.17 | 7.13 |
| Jun | 5.34 | 5.72 | 6.95 |
| Jul | 5.95 | 6.22 | 6.51 |
| Aug | 5.46 | 6.08 | 6.65 |
| Sep | 5.52 | 5.15 | 7.02 |
| Oct | 4.41 | 3.32 | 6.92 |
| Nov | 3.81 | 2.33 | 5.99 |
| Dec | 3.37 | 1.78 | 5.46 |
In 01431, 69.9% of the population is in the labor force. Recent estimates place 6.5% as working from home, while the total labor force in the region has a mean travel to time to work of 37.2 minutes. Approximately 25.4% of the employed population 16 years and over in 01431 work in educational services, and health care and social assistance, while an estimated 15.2% work in construction. On the lower end of the scale, just 0.6% of 01431 workers 16 years and over work in agriculture, forestry, fishing and hunting, and mining.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 0.6% |
| Construction | 15.2% |
| Manufacturing | 13.3% |
| Wholesale trade | 1.7% |
| Retail trade | 6.5% |
| Transportation and warehousing, and utilities | 4.1% |
| Information | 2.5% |
| Finance and insurance, and real estate and rental and leasing | 2.6% |
| Professional, scientific, management, and administrative | 12.8% |
| Educational services, and health care and social assistance | 25.4% |
| Arts, entertainment, and recreation, and accommodation and food services | 4.7% |
| Other services, except public administration | 5.0% |
| Public administration | 5.6% |
Regarding consumer complaints about financial products in ZIP Code 01431, credit reporting or credit repair services have received the most complaints in 01431 in the past 12 months. Credit reporting or other personal consumer reports received the second most complaints. The most frequent complaint overall in this Middlesex County region was incorrect information on a report.
| Complaint Product | Number of Complaints* |
|---|---|
| Credit reporting or credit repair services | 4 |
| Credit reporting or other personal consumer reports | 1 |
| Mortgage | 1 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Incorrect information on your report | 4 |
| Improper use of your report | 1 |
| Struggling to pay mortgage | 1 |