The 02138 ZIP Code is primarily associated with Cambridge, MA in Middlesex County in the United States. The current population estimate is 38,504. Approximately 87.5% of residents in this Massachusetts region have a bachelor's degree or higher, and the per capita income is an estimated $61,017. The median age in the 02138 ZIP Code is 29.4 years, with 15.0% of residents aged 62 years and older. Median househould income in this region is $105,065, while about 4% of the population lives below the poverty line.
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The median household income in ZIP Code 02138 is $105,065, while the region's mean household income is $158,333. Breaking income down further, per capita income in the region is $61,017. The per capita income in ZIP Code 02138 of $61,017 is approximately 39.43% more than the per capita income in Massachusetts overall of $43,761. An estimated 4.1% of the population is living below the poverty line in this region. This rate is approximately 56.84% lower than the overall poverty rate in the U.S. of 9.5%. Regarding household income, approximately 23.6% of the population in 02138 earn $200,000 or more per year, while an estimated 17.4% earn $100,000 to $149,999 per year, and 2.4% of 02138 residents earn $10,000 to $14,999 per year.
| Household Income | Percent |
|---|---|
| Less than $10,000 per year | 7.0% |
| $10,000 to $14,999 per year | 2.4% |
| $15,000 to $24,999 per year | 3.9% |
| $25,000 to $34,999 per year | 5.4% |
| $35,000 to $49,999 per year | 7.4% |
| $50,000 to $74,999 per year | 11.0% |
| $75,000 to $99,999 per year | 10.1% |
| $100,000 to $149,999 per year | 17.4% |
| $150,000 to $199,999 per year | 11.7% |
| $200,000 or more per year | 23.6% |
In ZIP Code 02138, 97.8% of the population graduated high school, while 87.5% have a bachelor's degree or higher. In this region, 1.0% achieved an education level less than 9th grade, while 58.5% hold a graduate or professional degree. Approximately 4.1% in this Middlesex County region reached the highest level of high school graduate (including equivalency).
| Education Level | Percent |
|---|---|
| Less than 9th grade | 1.0% |
| 9th to 12th grade, no diploma | 1.2% |
| High school graduate (includes equivalency) | 4.1% |
| Some college, no degree | 5.0% |
| Associate's degree | 1.2% |
| Bachelor's degree | 29.0% |
| Graduate or professional degree | 58.5% |
Looking at race in the population that makes up ZIP Code 02138, 94.4% is one race, while 5.6% are two or more races. Approximately 8.7% of 02138 residents are hispanic or Latino (of any race). The most common race in 02138 (race alone or in combination with one or more other races), is White (75.9%), followed by Asian (19.5%) .
| Industry | Percent |
|---|---|
| White | 75.9% |
| Black or African American | 7.1% |
| American Indian and Alaska Native | 0.5% |
| Asian | 19.5% |
| Native Hawaiian and Other Pacific Islander | 0.2% |
| Some other race | 2.6% |
In ZIP Code 02138, 69.3% of the population lists "English only" as the language spoken in home, while 6.3% of lists Spanish. Additionally, Asian and Pacific Islander languages are spoken in 11.1% of homes, and other Indo-European languages are spoken in 10.7% of homes. Lastly, 2.6% 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 | 69.3% |
| Spanish | 6.3% |
| Other Indo-European languages | 11.1% |
| Asian and Pacific Islander languages | 10.7% |
| Other languages | 2.6% |
The median home value in ZIP Code 02138 in July 2024 comes in at $2,477,564. The July 2024 value is approximately 2% higher than the $2,439,427 median value in February 2024, and 3% higher than the $2,411,915 median value in August 2023. Regarding the age of homes in ZIP Code 02138, an estimated 57.2% of homes were built in 1939 or earlier. Additionally, 8.6% of homes in the region were built between 1960 and 1969, while an estimated 1.7% of homes were built in 2014 or later in this Middlesex County region.
| Month | Home value |
|---|---|
| Jul 2024 | $2,477,564 |
| Jun 2024 | $2,496,539 |
| May 2024 | $2,505,653 |
| Apr 2024 | $2,493,877 |
| Mar 2024 | $2,466,150 |
| Feb 2024 | $2,439,427 |
| Jan 2024 | $2,428,227 |
| Dec 2023 | $2,426,419 |
| Nov 2023 | $2,429,021 |
| Oct 2023 | $2,425,701 |
| Sep 2023 | $2,423,330 |
| Aug 2023 | $2,411,915 |
| Year Home Built | Percent |
|---|---|
| Built in 2014 or later | 1.7% |
| Built between 2010 and 2013 | 2.7% |
| Built between 2000 and 2009 | 3.9% |
| Built between 1990 and 1999 | 3.2% |
| Built between 1980 and 1989 | 4.8% |
| Built between 1970 and 1979 | 7.3% |
| Built between 1960 and 1969 | 8.6% |
| Built between 1950 and 1959 | 4.5% |
| Built between 1940 and 1949 | 6.0% |
| Built in 1939 or earlier | 57.2% |
Residents of ZIP Code 02138 are younger than average. The median age of 29.4 years in ZIP Code 02138 is approximately 22.83% lower than the overall median age in the U.S. of 38.1 years. About 89.2% of residents are aged 18 years and older, and 15.0% of residents are 62 years and over. Approximately 22.6% of the population in 02138 falls in the age group 25 to 34 years, while an estimated 17.1% are aged 20 to 24 years. On the low end of the scale, 2.1% of 02138 residents are aged 85 years and over.
| Age Range | Percent |
|---|---|
| Under 5 years | 4.3% |
| 5 to 9 years | 2.6% |
| 10 to 14 years | 2.8% |
| 15 to 19 years | 12.2% |
| 20 to 24 years | 17.1% |
| 25 to 34 years | 22.6% |
| 35 to 44 years | 11.4% |
| 45 to 54 years | 7.6% |
| 55 to 59 years | 3.0% |
| 60 to 64 years | 3.7% |
| 65 to 74 years | 7.3% |
| 75 to 84 years | 3.4% |
| 85 years and over | 2.1% |
| Health Issue | Percent of adults* |
|---|
One of the top preventative health measures in ZIP Code 02138 is current access to health insurance, as an estimated 97.2% of adults 18 and older take part in this preventive measure. Additionally, % of those 18 and above in 02138 list , as a preventive measure.
| Preventive Measure | Percent of adults* |
|---|---|
| Current access to health insurance | 97.2% |
| Risk Behavior | Percent of adults* |
|---|
Regarding solar power potential, ZIP Code 02138 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 02138 | 14.91¢/kWh | 13.84¢/kWh | 12.57¢/kWh |
| Massachusetts | 29.17¢/kWh | 20.7¢/kWh | 18.03¢/kWh |
| United States | 16.83¢/kWh | 13.47¢/kWh | 8.51¢/kWh |
| Month | ZIP Code 02138 | Low (WA) | High (AZ) |
|---|---|---|---|
| Jan | 3.89 | 1.9 | 5.84 |
| Feb | 4.65 | 3 | 6.31 |
| Mar | 5.2 | 3.65 | 7.02 |
| Apr | 5.55 | 5.13 | 7.3 |
| May | 5.51 | 5.17 | 7.13 |
| Jun | 5.64 | 5.72 | 6.95 |
| Jul | 5.76 | 6.22 | 6.51 |
| Aug | 5.83 | 6.08 | 6.65 |
| Sep | 5.46 | 5.15 | 7.02 |
| Oct | 4.44 | 3.32 | 6.92 |
| Nov | 3.53 | 2.33 | 5.99 |
| Dec | 3.35 | 1.78 | 5.46 |
In 02138, 63.8% of the population is in the labor force. Recent estimates place 9.9% as working from home, while the total labor force in the region has a mean travel to time to work of 25.4 minutes. Approximately 46.3% of the employed population 16 years and over in 02138 work in educational services, and health care and social assistance, while an estimated 22.0% work in professional, scientific, management, and administrative. On the lower end of the scale, just 0.1% of 02138 workers 16 years and over work in agriculture, forestry, fishing and hunting, and mining.
| Industry | Percent |
|---|---|
| Agriculture, forestry, fishing and hunting, and mining | 0.1% |
| Construction | 1.0% |
| Manufacturing | 4.9% |
| Wholesale trade | 0.5% |
| Retail trade | 4.4% |
| Transportation and warehousing, and utilities | 0.8% |
| Information | 3.2% |
| Finance and insurance, and real estate and rental and leasing | 6.7% |
| Professional, scientific, management, and administrative | 22.0% |
| Educational services, and health care and social assistance | 46.3% |
| Arts, entertainment, and recreation, and accommodation and food services | 5.0% |
| Other services, except public administration | 3.2% |
| Public administration | 1.9% |
Regarding consumer complaints about financial products in ZIP Code 02138, credit reporting or other personal consumer reports have received the most complaints in 02138 in the past 12 months. Checking or savings account 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 other personal consumer reports | 39 |
| Checking or savings account | 30 |
| Credit reporting or credit repair services | 20 |
| Student loan | 11 |
| Money transfer, virtual currency, or money service | 9 |
| Other | 26 |
| Complaint Issue | Number of Complaints* |
|---|---|
| Incorrect information on your report | 28 |
| Improper use of your report | 22 |
| Managing an account | 20 |
| Dealing with your lender or servicer | 9 |
| Closing an account | 8 |
| Other | 48 |