01440 ZIP Code — Gardner, MA

Worcester County, Massachusetts

ZIP code 01440 is located in Gardner, Massachusetts, within Worcester County. It covers approximately 24.51 square miles and serves a population of 21,231 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 978.

About ZIP code 01440

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 $243,700. Owner-occupancy sits near the national average at 58%.

Median household income is $57,289. SNAP benefit usage at 18% of households reflects economic stress in the area. 39% 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 32 minutes is near the national average.

College attainment at 20% is below the national average, consistent with a trades and production-oriented local economy.

Overall, ZIP code 01440 reflects a community defined by a trades-oriented workforce, a significant Social Security-dependent population, and elevated reliance on food assistance.

21,231

population

24.51

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

01440 ZIP code map

Cities in ZIP code 01440

Below are the cities the US Postal Service accepts for ZIP code 01440. Using any city not on this list may result in mail delivery delays.

City	Status
Gardner	Preferred

Nearby ZIP codes

01441 Westminster (1.2 mi) 01473 Westminster (4.5 mi) 01436 Baldwinville (5.1 mi) 01468 Templeton (5.2 mi) 01430 Ashburnham (5.6 mi) 01475 Winchendon (5.8 mi) 01452 Hubbardston (7.4 mi) 01420 Fitchburg (9.1 mi) 01431 Ashby (9.6 mi) 01331 Athol (10.3 mi) 01541 Princeton (10.4 mi) 03461 Rindge (11.3 mi)

Demographics updated 05/2026

Population
Total population	21,231
Population density	866 / sq mi
State FIPS	25
County FIPS	027

Geography
Land area	24.51 sq mi
Water area	1.26 sq mi
Latitude	42.5900
Longitude	-71.9861
Timezone	Eastern (ET)
Area code	978

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.6%	33.6%	31.3%
$50k – $100k	31.4%	27.5%	25.9%
$100k – $200k	17.6%	28.7%	28.5%
Over $200k	2.4%	10.3%	14.3%

Demographics & statistics

21,231

Population

866

People per sq mi

45.1

Median age

$57,289

Median household income

$32,916

Per capita income

$243,700

Median home value

$1,041

Median monthly rent

57.9%

Home ownership

14.8%

Poverty rate

6.4%

Unemployment

5,878

Housing units

19.5%

Bachelor's or higher

Age distribution

Male Female

582

Under 5

524

458

5–9

413

573

10–14

515

537

15–19

484

447

20–24

403

1,736

25–34

1,562

1,238

35–44

1,114

1,340

45–54

1,206

959

55–59

864

1,176

60–64

1,058

1,179

65–74

1,062

632

75–84

568

316

85+

285

← Male

Female →

Age summary

Group	Count	%
Under 18	3,685	17.4%
18 and over	17,546	82.6%
65 and over	4,042	19.0%
Median age	45.1 years

Race & ethnicity

White 80.8%

Hispanic or Latino 5.7%

Two or more races 5%

Other race 3.1%

Asian 3%

Black or African American 2.2%

American Indian / Alaska Native 0.2%

Group	Count	%
White	18,204	80.8%
Hispanic or Latino	1,293	5.7%
Two or more races	1,115	5%
Other race	694	3.1%
Asian	678	3%
Black or African American	496	2.2%
American Indian / Alaska Native	44	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	48.6%	33.6%	31.3%
$50k – $100k	31.4%	27.5%	25.9%
$100k – $200k	17.6%	28.7%	28.5%
Over $200k	2.4%	10.3%	14.3%

Under $10k 4.0%

$10k–$15k 4.4%

$15k–$25k 13.0%

$25k–$35k 8.4%

$35k–$50k 12.6%

$50k–$75k 18.6%

$75k–$100k 11.8%

$100k–$150k 17.0%

$150k–$200k 5.9%

$200k+ 4.2%

Range	% of households
Under $10k	4.0%
$10k–$15k	4.4%
$15k–$25k	13.0%
$25k–$35k	8.4%
$35k–$50k	12.6%
$50k–$75k	18.6%
$75k–$100k	11.8%
$100k–$150k	17.0%
$150k–$200k	5.9%
$200k+	4.2%
Median income	$57,289

Housing

Home values

Under $50k 2.5%

$50k–$100k 1.3%

$100k–$150k 10.2%

$150k–$200k 19.8%

$200k–$300k 36.9%

$300k–$500k 27.7%

$500k–$1M 0.9%

$1M+ 0.7%

Housing overview

Metric	Value
Median home value	$243,700
Median rent / month	$1,041
Owner occupied	57.9%
Renter occupied	42.1%
Vacant	7.3%
Single-family detached	48.8%
Large apartment buildings	13.4%
Mobile homes	1.4%
Median rooms	5.2
Avg household size (owned)	2.43

Year built

Era	%
2020 or later	0.2%
2010–2019	3.0%
2000–2009	5.2%
1990–1999	5.7%
1980–1989	12.8%
1970–1979	9.8%
1960–1969	6.6%
1950–1959	9.9%
1940–1949	6.3%
1939 or earlier	40.4%

Bedrooms

Size	% of units
No bedroom (studio)	3.3%
1 bedroom	14.6%
2 bedrooms	34.2%
3 bedrooms	34.6%
4 bedrooms	11.4%
5+ bedrooms	1.8%

Vehicles per household

Vehicles	% of households
No vehicle	10.0%
1 vehicle	38.3%
2 vehicles	35.9%
3 or more	15.8%

Heating fuel

Fuel type	%
Utility gas	16.8%
Electricity	18.2%
Propane / LP gas	3.0%
Fuel oil	58.0%
Wood	2.6%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	3,768	42.2%
Cohabiting couple	1,025	11.5%
Male householder, no spouse	1,825	20.4%
Female householder, no spouse	2,321	26.0%
Households with children under 18	2,384	26.7%
Households with seniors (65+)	2,946	33.0%
Average household size	2.25

Marital status

Status	Male	Female
Never married	39.9%	28.2%
Married	43.7%	45.7%
Separated	1.7%	2.4%
Widowed	2.9%	12.5%
Divorced	11.8%	11.2%

Education

Less than 9th grade 3.9%

Some HS, no diploma 7.8%

HS graduate 34.2%

Some college, no degree 22.2%

Associate's degree 12.5%

Bachelor's degree 13.1%

Graduate / professional 6.4%

Metric	%
HS diploma or higher	88.3%
Bachelor's or higher	19.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	273	6.8%
Kindergarten	99	2.5%
Elementary school	1,657	41.1%
High school	924	22.9%
College / grad school	1,075	26.7%

Employment

Industry of employment

Education & healthcare 29.7%

Manufacturing 15.9%

Retail trade 10.6%

Construction 8.0%

Arts, food & hospitality 7.3%

Professional & management 5.9%

Public administration 5.6%

Finance & real estate 5.0%

Other services 4.8%

Transportation & utilities 4.7%

Wholesale trade 1.5%

Information 0.8%

Agriculture & mining 0.1%

Occupation

Category	%
Management, business & arts	37.2%
Service	16.6%
Sales & office	21.5%
Natural resources & construction	10.4%
Production & transportation	14.4%

Employment type

Type	%
Private sector	79.5%
Government	14.4%
Self-employed	5.9%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	72.5%
Carpool	11.0%
Public transit	1.4%
Walk	2.6%
Work from home	9.8%
Other means	2.7%
Avg commute (minutes)	31.6

Poverty

All people 14.8%

Under 18 years 27.1%

18 and over 12.1%

Married-couple families 4.4%

Female-led households 33.7%

Income support

Source	% of households
Social Security	38.8%
Retirement income	24.5%
Supplemental Security	6.7%
Cash public assistance	2.1%
Food stamps / SNAP	18.0%

Health indicators

Condition	%
Obesity	32.1%
High blood pressure	31.3%
High cholesterol	31.6%
Diabetes	9.5%
Heart disease	6.7%
Stroke	3.1%
Asthma	11.2%
Arthritis	28.8%
Kidney disease	2.9%
Pulmonary disease	7.1%
Cancer	7.0%

Behavior / access	%
Smoking	18.3%
Binge drinking	17.2%
No physical activity	24.9%
Less than 7 hrs sleep	34.2%
Depression	20.3%
Fair or poor health	13.7%
Poor mental health	15.4%
Poor physical health	10.3%
No health insurance	7.9%
Visited doctor (checkup)	79.7%
Visited dentist	68.4%
Cholesterol screening	89.3%
Teeth loss	16.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,262	7.2%

Disability	%
Any disability	15.9%
Under 18	7.8%
18–64 years	14.5%
65 and over	28.4%

Health insurance coverage

Type	%
Private insurance	63.8%
Public insurance	47.5%
No insurance	3.3%
Uninsured under 19	0.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	20,125	94.8%
Spanish	693	3.4%
Other Indo-European	473	2.4%
Asian & Pacific Islander	87	0.4%
Other languages	88	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	19,410	91.4%
Born in same state	18,705	88.1%
Born in different state	16,145	76.0%
Foreign born	705	3.3%
Naturalized citizen	1,821	8.6%
Not a US citizen	1,204	66.1%

Ancestry

Ancestry	Count	%
German	2,733	12.9%
Arab	2,601	12.3%
French	2,580	12.2%
Italian	2,338	11%
Norwegian	202	1%

Ancestry	Count	%
English	156	0.7%
Polish	73	0.3%
Irish	27	0.1%
Dutch	12	0.1%

Technology access

Metric	% of households
Computer access	42.1%
Internet access	90.3%

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

Frequently asked questions about ZIP code 01440

What city is ZIP code 01440 in?

ZIP code 01440 is primarily assigned to Gardner, Massachusetts.

What county is ZIP code 01440 in?

ZIP code 01440 falls within Worcester County, Massachusetts.

Does ZIP code 01440 have a large retiree population?

39% of households in ZIP code 01440 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 01440?

ZIP code 01440 has an estimated population of 21,231 residents, with a density of 866 people per square mile.

What is the median household income in ZIP code 01440?

The median household income in ZIP code 01440 is $57,289, below the national median of ~$75,000.

What is the typical home value in ZIP code 01440?

The median home value in ZIP code 01440 is $243,700.

What timezone is ZIP code 01440 in?

ZIP code 01440 observes the EST timezone.