01431 ZIP Code — Ashby, MA

Middlesex County, Massachusetts

ZIP code 01431 is located in Ashby, Massachusetts, within Middlesex County. It covers approximately 23.66 square miles and serves a population of 3,187 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 978/351.

About ZIP code 01431

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $328,700. Owner-occupancy is high at 96%, well above the national average.

The gap between median ($105,750) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 3% is below the national average. 33% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 33 minutes is near the national average.

Educational attainment is near the national average, with 42% of residents holding a bachelor's degree or higher.

Overall, ZIP code 01431 reflects a community defined by high homeownership and a significant Social Security-dependent population.

3,187

population

23.66

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

01431 ZIP code map

Cities in ZIP code 01431

Below are the cities the US Postal Service accepts for ZIP code 01431. Using any city not on this list may result in mail delivery delays.

City	Status
Ashby	Preferred

Nearby ZIP codes

01430 Ashburnham (4.6 mi) 01474 West Townsend (4.6 mi) 03071 New Ipswich (5.7 mi) 01420 Fitchburg (6.4 mi) 03048 Greenville (6.5 mi) 01469 Townsend (6.8 mi) 01462 Lunenburg (8.3 mi) 01473 Westminster (8.7 mi) 03461 Rindge (9.3 mi) 01440 Gardner (9.6 mi) 03033 Brookline (9.7 mi) 01453 Leominster (10.8 mi)

Demographics updated 05/2026

Population
Total population	3,187
Population density	135 / sq mi
State FIPS	25
County FIPS	017

Geography
Land area	23.66 sq mi
Water area	0.39 sq mi
Latitude	42.6736
Longitude	-71.8343
Timezone	Eastern (ET)
Area code	978/351

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	18.4%	23.8%	31.3%
$50k – $100k	31.8%	23.1%	25.9%
$100k – $200k	41.3%	32.1%	28.5%
Over $200k	8.5%	20.9%	14.3%

Demographics & statistics

3,187

Population

135

People per sq mi

51.6

Median age

$105,750

Median household income

$51,270

Per capita income

$328,700

Median home value

$987

Median monthly rent

95.5%

Home ownership

2.9%

Poverty rate

5.0%

Unemployment

1,247

Housing units

41.5%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

112

10–14

109

15–19

20–24

137

25–34

133

154

35–44

150

241

45–54

235

227

55–59

221

177

60–64

173

229

65–74

222

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	496	15.6%
18 and over	2,691	84.4%
65 and over	657	20.6%
Median age	51.6 years

Race & ethnicity

White 96.1%

Two or more races 2.6%

Hispanic or Latino 0.9%

Asian 0.5%

Group	Count	%
White	3,089	96.1%
Two or more races	83	2.6%
Hispanic or Latino	29	0.9%
Asian	15	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	18.4%	23.8%	31.3%
$50k – $100k	31.8%	23.1%	25.9%
$100k – $200k	41.3%	32.1%	28.5%
Over $200k	8.5%	20.9%	14.3%

$10k–$15k 2.3%

$15k–$25k 2.6%

$25k–$35k 6.8%

$35k–$50k 3.2%

$50k–$75k 14.3%

$75k–$100k 13.4%

$100k–$150k 29.0%

$150k–$200k 13.3%

$200k+ 15.1%

Range	% of households
$10k–$15k	2.3%
$15k–$25k	2.6%
$25k–$35k	6.8%
$35k–$50k	3.2%
$50k–$75k	14.3%
$75k–$100k	13.4%
$100k–$150k	29.0%
$150k–$200k	13.3%
$200k+	15.1%
Median income	$105,750

Housing

Home values

Under $50k 0.8%

$50k–$100k 0.4%

$100k–$150k 0.8%

$150k–$200k 11.2%

$200k–$300k 31.1%

$300k–$500k 37.0%

$500k–$1M 17.5%

$1M+ 1.1%

Housing overview

Metric	Value
Median home value	$328,700
Median rent / month	$987
Owner occupied	95.5%
Renter occupied	4.5%
Vacant	4.8%
Single-family detached	95.9%
Large apartment buildings	0.0%
Mobile homes	0.4%
Median rooms	6.7
Avg household size (owned)	2.61

Year built

Era	%
2020 or later	0.0%
2010–2019	2.5%
2000–2009	13.8%
1990–1999	10.3%
1980–1989	9.4%
1970–1979	9.0%
1960–1969	8.9%
1950–1959	14.1%
1940–1949	4.5%
1939 or earlier	27.6%

Bedrooms

Size	% of units
No bedroom (studio)	0.3%
1 bedroom	9.2%
2 bedrooms	16.2%
3 bedrooms	50.0%
4 bedrooms	19.6%
5+ bedrooms	4.8%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	17.6%
2 vehicles	43.9%
3 or more	38.4%

Heating fuel

Fuel type	%
Utility gas	8.0%
Electricity	4.7%
Propane / LP gas	7.0%
Fuel oil	67.4%
Wood	11.2%
Solar	0.4%

Households & families

Household type	Count	%
Married-couple family	814	65.6%
Cohabiting couple	139	11.2%
Male householder, no spouse	137	11.0%
Female householder, no spouse	151	12.2%
Households with children under 18	271	21.8%
Households with seniors (65+)	492	39.6%
Average household size	2.57

Marital status

Status	Male	Female
Never married	28.3%	20.5%
Married	61.4%	60.8%
Separated	0.0%	0.0%
Widowed	1.5%	9.3%
Divorced	8.9%	9.4%

Education

Less than 9th grade 2.1%

Some HS, no diploma 4.5%

HS graduate 28.7%

Some college, no degree 13.6%

Associate's degree 9.7%

Bachelor's degree 21.8%

Graduate / professional 19.7%

Metric	%
HS diploma or higher	93.5%
Bachelor's or higher	41.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	23	3.8%
Kindergarten	28	4.7%
Elementary school	278	46.3%
High school	132	22.0%
College / grad school	140	23.3%

Employment

Industry of employment

Education & healthcare 22.8%

Manufacturing 16.8%

Construction 12.0%

Retail trade 8.7%

Professional & management 8.4%

Public administration 6.7%

Other services 6.6%

Arts, food & hospitality 6.3%

Transportation & utilities 5.2%

Finance & real estate 2.5%

Agriculture & mining 1.8%

Information 1.4%

Wholesale trade 0.8%

Occupation

Category	%
Management, business & arts	39.1%
Service	16.6%
Sales & office	21.5%
Natural resources & construction	14.9%
Production & transportation	7.9%

Employment type

Type	%
Private sector	70.4%
Government	17.0%
Self-employed	12.3%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	76.7%
Carpool	7.2%
Public transit	0.2%
Walk	1.7%
Work from home	14.2%
Other means	0.0%
Avg commute (minutes)	33.1

Poverty

All people 2.9%

Under 18 years 3.0%

18 and over 2.8%

Married-couple families 2.5%

Female-led households 0.0%

Income support

Source	% of households
Social Security	32.7%
Retirement income	28.5%
Supplemental Security	1.8%
Cash public assistance	1.4%
Food stamps / SNAP	1.7%

Health indicators

Condition	%
Obesity	23.4%
High blood pressure	27.4%
High cholesterol	30.5%
Diabetes	7.5%
Heart disease	5.1%
Stroke	2.3%
Asthma	10.3%
Arthritis	22.1%
Kidney disease	2.4%
Pulmonary disease	5.2%
Cancer	6.7%

Behavior / access	%
Smoking	12.9%
Binge drinking	17.9%
No physical activity	16.7%
Less than 7 hrs sleep	29.4%
Depression	19.4%
Fair or poor health	9.4%
Poor mental health	13.5%
Poor physical health	8.1%
No health insurance	5.6%
Visited doctor (checkup)	75.5%
Visited dentist	74.5%
Cholesterol screening	92.1%
Teeth loss	10.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	124	4.6%

Disability	%
Any disability	8.0%
Under 18	0.0%
18–64 years	6.1%
65 and over	19.9%

Health insurance coverage

Type	%
Private insurance	80.8%
Public insurance	28.7%
No insurance	2.8%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	3,157	99.1%
Spanish	0	0.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,063	96.1%
Born in same state	3,009	94.4%
Born in different state	2,289	71.8%
Foreign born	54	1.7%
Naturalized citizen	124	3.9%
Not a US citizen	109	87.9%

Ancestry

Ancestry	Count	%
Italian	649	20.4%
French	467	14.7%
Arab	449	14.1%
German	352	11%

Ancestry	Count	%
English	98	3.1%
Polish	44	1.4%
Irish	18	0.6%
Dutch	5	0.2%

Technology access

Metric	% of households
Computer access	38.9%
Internet access	96.5%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 01431

What city is ZIP code 01431 in?

ZIP code 01431 is primarily assigned to Ashby, Massachusetts.

What county is ZIP code 01431 in?

ZIP code 01431 falls within Middlesex County, Massachusetts.

Is ZIP code 01431 mostly owner-occupied?

96% of occupied units in ZIP code 01431 are owner-occupied, well above the national average.

What is the typical home value in ZIP code 01431?

The median home value in ZIP code 01431 is $328,700.

What is the median household income in ZIP code 01431?

The median household income in ZIP code 01431 is $105,750, above the national median of ~$75,000.

What is the population of ZIP code 01431?

ZIP code 01431 has an estimated population of 3,187 residents, with a density of 135 people per square mile.

What timezone is ZIP code 01431 in?

ZIP code 01431 observes the EST timezone.