02540 ZIP Code — Falmouth, MA

Barnstable County, Massachusetts

ZIP code 02540 is located in Falmouth, Massachusetts, within Barnstable County. It covers approximately 11.01 square miles and serves a population of 8,615 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 508/774.

About ZIP code 02540

The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $708,000. Owner-occupancy sits near the national average at 69%.

The gap between median ($85,117) and mean household income suggests income inequality — a small number of higher earners pull the average up. 53% 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 20 minutes is near the national average. Remote work is prevalent — 22% of workers work from home.

Educational attainment is high — 60% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 02540 reflects a community defined by a highly educated population, a high rate of remote workers, and a significant Social Security-dependent population.

8,615

population

11.01

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

02540 ZIP code map

Cities in ZIP code 02540

Below are the cities the US Postal Service accepts for ZIP code 02540. Using any city not on this list may result in mail delivery delays.

City	Status
Falmouth	Preferred

Nearby ZIP codes

02536 East Falmouth (3.6 mi) 02543 Woods Hole (4 mi) 02556 North Falmouth (4.1 mi) 02542 Buzzards Bay (6.7 mi) 02649 Mashpee (7.4 mi) 02559 Pocasset (7.6 mi) 02644 Forestdale (9.7 mi) 02635 Cotuit (10.2 mi) 02532 Buzzards Bay (10.5 mi) 02568 Vineyard Haven (11.3 mi) 02739 Mattapoisett (11.3 mi) 02738 Marion (11.9 mi)

Demographics updated 06/2026

Population
Total population	8,615
Population density	782 / sq mi
State FIPS	25
County FIPS	001

Geography
Land area	11.01 sq mi
Water area	1.90 sq mi
Latitude	41.5783
Longitude	-70.6251
Timezone	Eastern (ET)
Area code	508/774

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	39.5%	31.6%	31.3%
$50k – $100k	19.9%	30.4%	25.9%
$100k – $200k	27.1%	27.2%	28.5%
Over $200k	13.5%	10.7%	14.3%

Demographics & statistics

8,615

Population

782

People per sq mi

61.0

Median age

$85,117

Median household income

$65,192

Per capita income

$708,000

Median home value

$1,185

Median monthly rent

69.1%

Home ownership

13.9%

Poverty rate

5.0%

Unemployment

5,053

Housing units

60.1%

Bachelor's or higher

Age distribution

Male Female

Under 5

118

130

5–9

165

131

10–14

167

186

15–19

237

118

20–24

150

312

25–34

397

229

35–44

292

328

45–54

416

306

55–59

388

370

60–64

471

781

65–74

992

451

75–84

572

359

85+

457

← Male

Female →

Age summary

Group	Count	%
Under 18	1,038	12.0%
18 and over	7,577	88.0%
65 and over	3,612	41.9%
Median age	61.0 years

Race & ethnicity

White 87.1%

Two or more races 5.1%

Asian 2.5%

Hispanic or Latino 1.6%

American Indian / Alaska Native 1.6%

Black or African American 1.1%

Other race 1%

Group	Count	%
White	7,630	87.1%
Two or more races	443	5.1%
Asian	220	2.5%
Hispanic or Latino	142	1.6%
American Indian / Alaska Native	138	1.6%
Black or African American	99	1.1%
Other race	85	1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	39.5%	31.6%	31.3%
$50k – $100k	19.9%	30.4%	25.9%
$100k – $200k	27.1%	27.2%	28.5%
Over $200k	13.5%	10.7%	14.3%

Under $10k 6.6%

$10k–$15k 6.4%

$15k–$25k 6.5%

$25k–$35k 5.8%

$35k–$50k 7.8%

$50k–$75k 9.9%

$75k–$100k 11.5%

$100k–$150k 11.1%

$150k–$200k 12.1%

$200k+ 22.4%

Range	% of households
Under $10k	6.6%
$10k–$15k	6.4%
$15k–$25k	6.5%
$25k–$35k	5.8%
$35k–$50k	7.8%
$50k–$75k	9.9%
$75k–$100k	11.5%
$100k–$150k	11.1%
$150k–$200k	12.1%
$200k+	22.4%
Median income	$85,117

Housing

Home values

Under $50k 0.8%

$100k–$150k 0.5%

$150k–$200k 1.0%

$200k–$300k 2.1%

$300k–$500k 13.8%

$500k–$1M 61.7%

$1M+ 20.1%

Housing overview

Metric	Value
Median home value	$708,000
Median rent / month	$1,185
Owner occupied	69.1%
Renter occupied	30.9%
Vacant	35.3%
Single-family detached	67.9%
Large apartment buildings	10.4%
Mobile homes	0.0%
Median rooms	6.1
Avg household size (owned)	2.18

Year built

Era	%
2020 or later	0.0%
2010–2019	1.3%
2000–2009	8.5%
1990–1999	7.2%
1980–1989	18.3%
1970–1979	10.8%
1960–1969	12.6%
1950–1959	16.8%
1940–1949	4.3%
1939 or earlier	20.2%

Bedrooms

Size	% of units
No bedroom (studio)	4.0%
1 bedroom	12.2%
2 bedrooms	19.4%
3 bedrooms	29.9%
4 bedrooms	26.7%
5+ bedrooms	7.9%

Vehicles per household

Vehicles	% of households
No vehicle	13.2%
1 vehicle	37.0%
2 vehicles	35.6%
3 or more	14.2%

Heating fuel

Fuel type	%
Utility gas	57.2%
Electricity	15.2%
Propane / LP gas	2.7%
Fuel oil	22.6%
Wood	0.2%
Solar	0.4%
No fuel used	0.7%

Households & families

Household type	Count	%
Married-couple family	1,880	46.0%
Cohabiting couple	111	2.7%
Male householder, no spouse	605	14.8%
Female householder, no spouse	1,490	36.5%
Households with children under 18	668	16.3%
Households with seniors (65+)	2,395	58.6%
Average household size	2.03

Marital status

Status	Male	Female
Never married	28.7%	24.6%
Married	58.8%	45.5%
Separated	0.5%	1.3%
Widowed	3.2%	15.8%
Divorced	8.9%	12.8%

Education

Less than 9th grade 2.3%

Some HS, no diploma 3.2%

HS graduate 11.3%

Some college, no degree 14.9%

Associate's degree 8.2%

Bachelor's degree 27.2%

Graduate / professional 32.9%

Metric	%
HS diploma or higher	94.5%
Bachelor's or higher	60.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	18	1.4%
Kindergarten	58	4.5%
Elementary school	435	33.8%
High school	365	28.4%
College / grad school	410	31.9%

Employment

Industry of employment

Education & healthcare 26.0%

Professional & management 24.4%

Arts, food & hospitality 9.5%

Retail trade 9.0%

Manufacturing 5.8%

Finance & real estate 5.7%

Construction 5.6%

Public administration 3.5%

Other services 3.2%

Wholesale trade 2.9%

Transportation & utilities 2.9%

Information 1.4%

Occupation

Category	%
Management, business & arts	60.2%
Service	13.7%
Sales & office	14.2%
Natural resources & construction	5.9%
Production & transportation	6.0%

Employment type

Type	%
Private sector	80.4%
Government	9.2%
Self-employed	10.1%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	61.2%
Carpool	7.7%
Public transit	2.3%
Walk	4.1%
Work from home	21.5%
Other means	3.2%
Avg commute (minutes)	19.7

Poverty

All people 13.9%

Under 18 years 15.8%

18 and over 13.7%

Married-couple families 3.3%

Female-led households 23.2%

Income support

Source	% of households
Social Security	53.0%
Retirement income	35.8%
Supplemental Security	5.9%
Cash public assistance	1.8%
Food stamps / SNAP	11.7%

Health indicators

Condition	%
Obesity	23.8%
High blood pressure	36.9%
High cholesterol	36.9%
Diabetes	10.1%
Heart disease	8.5%
Stroke	3.7%
Asthma	10.1%
Arthritis	32.7%
Kidney disease	3.7%
Pulmonary disease	6.6%
Cancer	11.2%

Behavior / access	%
Smoking	10.3%
Binge drinking	13.2%
No physical activity	18.0%
Less than 7 hrs sleep	26.3%
Depression	17.7%
Fair or poor health	11.5%
Poor mental health	11.2%
Poor physical health	9.3%
No health insurance	4.9%
Visited doctor (checkup)	84.2%
Visited dentist	76.6%
Cholesterol screening	94.7%
Teeth loss	8.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	697	9.2%

Disability	%
Any disability	18.8%
Under 18	10.2%
18–64 years	16.3%
65 and over	24.2%

Health insurance coverage

Type	%
Private insurance	72.7%
Public insurance	56.0%
No insurance	1.6%
Uninsured under 19	1.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,405	97.6%
Spanish	272	3.2%
Other Indo-European	8	0.1%
Asian & Pacific Islander	166	2.0%
Other languages	28	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	7,663	88.9%
Born in same state	7,539	87.5%
Born in different state	4,417	51.3%
Foreign born	124	1.4%
Naturalized citizen	952	11.1%
Not a US citizen	433	45.5%

Ancestry

Ancestry	Count	%
Italian	2,019	23.4%
French	1,426	16.6%
Arab	385	4.5%
German	186	2.2%
Norwegian	103	1.2%

Ancestry	Count	%
Polish	68	0.8%
Dutch	61	0.7%
English	51	0.6%
Irish	6	0.1%

Technology access

Metric	% of households
Computer access	47.4%
Internet access	94.3%

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

Frequently asked questions about ZIP code 02540

What city is ZIP code 02540 in?

ZIP code 02540 is primarily assigned to Falmouth, Massachusetts.

What county is ZIP code 02540 in?

ZIP code 02540 falls within Barnstable County, Massachusetts.

Does ZIP code 02540 have an older population?

42% of residents in ZIP code 02540 are 65 or older, above the national average of ~17%.

Does ZIP code 02540 have a large retiree population?

53% of households in ZIP code 02540 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 02540?

60% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the typical home value in ZIP code 02540?

The median home value in ZIP code 02540 is $708,000.

What timezone is ZIP code 02540 in?

ZIP code 02540 observes the EST timezone.