01040 ZIP Code — Holyoke, MA

Hampden County, Massachusetts

ZIP code 01040 is located in Holyoke, Massachusetts, within Hampden County. It covers approximately 21.17 square miles and serves a population of 38,210 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 413.

About ZIP code 01040

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 $236,800. Renters make up the majority at 59%, typical of denser urban areas.

Median household income is $49,007. Poverty affects 26% of residents, above the national average. SNAP benefit usage at 35% of households reflects economic stress in the area. 32% 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 21 minutes is near the national average.

Educational attainment is near the national average, with 22% of residents holding a bachelor's degree or higher.

Notable community characteristics include a significant foreign-born population at 23%.

Overall, ZIP code 01040 reflects a community defined by economic challenges above the national average, a diverse immigrant population, a significant Social Security-dependent population, and elevated reliance on food assistance.

38,210

population

21.17

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

01040 ZIP code map

Cities in ZIP code 01040

Below are the cities the US Postal Service accepts for ZIP code 01040. Using any city not on this list may result in mail delivery delays.

City	Status
Holyoke	Acceptable
Holyoke	Preferred

Nearby ZIP codes

01075 South Hadley (4.1 mi) 01013 Chicopee (4.7 mi) 01020 Chicopee (5.1 mi) 01073 Southampton (5.2 mi) 01022 Chicopee (5.4 mi) 01027 Easthampton (6.3 mi) 01063 Northampton (6.6 mi) 01089 West Springfield (6.7 mi) 01107 Springfield (7.2 mi) 01033 Granby (7.3 mi) 01104 Springfield (7.4 mi) 01060 Northampton (7.4 mi)

Demographics updated 05/2026

Population
Total population	38,210
Population density	1,805 / sq mi
State FIPS	25
County FIPS	013

Geography
Land area	21.17 sq mi
Water area	1.63 sq mi
Latitude	42.2227
Longitude	-72.6405
Timezone	Eastern (ET)
Area code	413

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	57.1%	44.2%	31.3%
$50k – $100k	24.4%	28.3%	25.9%
$100k – $200k	14.9%	21.6%	28.5%
Over $200k	3.6%	5.9%	14.3%

Demographics & statistics

38,210

Population

1,805

People per sq mi

37.5

Median age

$49,007

Median household income

$27,973

Per capita income

$236,800

Median home value

$937

Median monthly rent

41.5%

Home ownership

26.0%

Poverty rate

6.8%

Unemployment

7,903

Housing units

22.2%

Bachelor's or higher

Age distribution

Male Female

1,070

Under 5

1,105

996

5–9

1,028

1,345

10–14

1,388

1,296

15–19

1,337

1,398

20–24

1,442

2,743

25–34

2,831

2,288

35–44

2,362

2,172

45–54

2,242

1,063

55–59

1,097

1,234

60–64

1,273

1,676

65–74

1,729

893

75–84

922

630

85+

650

← Male

Female →

Age summary

Group	Count	%
Under 18	8,465	22.2%
18 and over	29,745	77.8%
65 and over	6,500	17.0%
Median age	37.5 years

Race & ethnicity

White 54.3%

Hispanic or Latino 19.7%

Two or more races 15.3%

Other race 6%

Black or African American 3.7%

Asian 0.7%

American Indian / Alaska Native 0.4%

Group	Count	%
White	25,804	54.3%
Hispanic or Latino	9,346	19.7%
Two or more races	7,288	15.3%
Other race	2,853	6%
Black or African American	1,758	3.7%
Asian	310	0.7%
American Indian / Alaska Native	197	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	57.1%	44.2%	31.3%
$50k – $100k	24.4%	28.3%	25.9%
$100k – $200k	14.9%	21.6%	28.5%
Over $200k	3.6%	5.9%	14.3%

Under $10k 9.0%

$10k–$15k 9.3%

$15k–$25k 11.3%

$25k–$35k 7.9%

$35k–$50k 13.6%

$50k–$75k 16.8%

$75k–$100k 11.7%

$100k–$150k 9.4%

$150k–$200k 5.9%

$200k+ 5.1%

Range	% of households
Under $10k	9.0%
$10k–$15k	9.3%
$15k–$25k	11.3%
$25k–$35k	7.9%
$35k–$50k	13.6%
$50k–$75k	16.8%
$75k–$100k	11.7%
$100k–$150k	9.4%
$150k–$200k	5.9%
$200k+	5.1%
Median income	$49,007

Housing

Home values

Under $50k 2.6%

$50k–$100k 3.0%

$100k–$150k 8.5%

$150k–$200k 14.2%

$200k–$300k 44.9%

$300k–$500k 22.2%

$500k–$1M 3.8%

$1M+ 0.7%

Housing overview

Metric	Value
Median home value	$236,800
Median rent / month	$937
Owner occupied	41.5%
Renter occupied	58.5%
Vacant	9.7%
Single-family detached	33.9%
Large apartment buildings	13.2%
Mobile homes	0.1%
Median rooms	4.8
Avg household size (owned)	2.50

Year built

Era	%
2020 or later	0.1%
2010–2019	1.1%
2000–2009	2.6%
1990–1999	2.6%
1980–1989	8.8%
1970–1979	8.7%
1960–1969	10.5%
1950–1959	14.0%
1940–1949	7.1%
1939 or earlier	44.6%

Bedrooms

Size	% of units
No bedroom (studio)	3.5%
1 bedroom	18.4%
2 bedrooms	32.9%
3 bedrooms	34.1%
4 bedrooms	8.7%
5+ bedrooms	2.4%

Vehicles per household

Vehicles	% of households
No vehicle	17.9%
1 vehicle	44.5%
2 vehicles	27.4%
3 or more	10.2%

Heating fuel

Fuel type	%
Utility gas	48.6%
Electricity	32.0%
Propane / LP gas	1.0%
Fuel oil	16.3%
Wood	0.3%
Solar	0.4%
No fuel used	0.8%

Households & families

Household type	Count	%
Married-couple family	4,411	29.2%
Cohabiting couple	1,718	11.4%
Male householder, no spouse	3,193	21.1%
Female householder, no spouse	5,790	38.3%
Households with children under 18	4,283	28.3%
Households with seniors (65+)	4,577	30.3%
Average household size	2.45

Marital status

Status	Male	Female
Never married	53.8%	48.5%
Married	32.9%	29.7%
Separated	1.5%	2.9%
Widowed	3.4%	7.7%
Divorced	8.3%	11.2%

Education

Less than 9th grade 8.0%

Some HS, no diploma 13.1%

HS graduate 31.4%

Some college, no degree 16.2%

Associate's degree 9.1%

Bachelor's degree 14.0%

Graduate / professional 8.2%

Metric	%
HS diploma or higher	78.8%
Bachelor's or higher	22.2%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	597	6.7%
Kindergarten	317	3.6%
Elementary school	3,914	44.0%
High school	2,320	26.1%
College / grad school	1,755	19.7%

Employment

Industry of employment

Education & healthcare 36.4%

Retail trade 11.6%

Manufacturing 11.1%

Professional & management 7.6%

Arts, food & hospitality 7.5%

Finance & real estate 5.1%

Construction 4.3%

Transportation & utilities 4.2%

Public administration 4.2%

Other services 3.0%

Wholesale trade 2.8%

Information 1.9%

Agriculture & mining 0.4%

Occupation

Category	%
Management, business & arts	33.5%
Service	25.2%
Sales & office	18.3%
Natural resources & construction	6.0%
Production & transportation	17.0%

Employment type

Type	%
Private sector	76.7%
Government	17.7%
Self-employed	5.6%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	75.1%
Carpool	9.7%
Public transit	2.8%
Walk	2.8%
Work from home	8.7%
Other means	1.0%
Avg commute (minutes)	20.5

Poverty

All people 26.0%

Under 18 years 38.5%

18 and over 22.4%

Married-couple families 9.1%

Female-led households 37.6%

Income support

Source	% of households
Social Security	32.3%
Retirement income	15.7%
Supplemental Security	18.9%
Cash public assistance	5.7%
Food stamps / SNAP	35.4%

Health indicators

Condition	%
Obesity	34.6%
High blood pressure	32.6%
High cholesterol	30.8%
Diabetes	12.5%
Heart disease	7.3%
Stroke	3.7%
Asthma	12.0%
Arthritis	27.5%
Kidney disease	3.6%
Pulmonary disease	7.5%
Cancer	6.2%

Behavior / access	%
Smoking	18.4%
Binge drinking	14.9%
No physical activity	30.7%
Less than 7 hrs sleep	36.9%
Depression	21.3%
Fair or poor health	20.7%
Poor mental health	17.3%
Poor physical health	12.8%
No health insurance	15.9%
Visited doctor (checkup)	75.6%
Visited dentist	60.6%
Cholesterol screening	87.1%
Teeth loss	20.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,649	5.5%

Disability	%
Any disability	20.3%
Under 18	8.3%
18–64 years	18.5%
65 and over	44.4%

Health insurance coverage

Type	%
Private insurance	44.9%
Public insurance	62.0%
No insurance	3.5%
Uninsured under 19	3.7%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	36,035	94.3%
Spanish	7,071	19.6%
Other Indo-European	6,656	18.5%
Asian & Pacific Islander	345	1.0%
Other languages	65	0.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	36,103	94.5%
Born in same state	27,465	71.9%
Born in different state	22,265	58.3%
Foreign born	8,638	22.6%
Naturalized citizen	2,107	5.5%
Not a US citizen	1,355	64.3%

Ancestry

Ancestry	Count	%
Italian	4,814	12.6%
Arab	3,362	8.8%
German	1,440	3.8%
French	1,227	3.2%

Ancestry	Count	%
Norwegian	70	0.2%
English	52	0.1%
Dutch	22	0.1%
Irish	5	0%

Technology access

Metric	% of households
Computer access	39.5%
Internet access	89.0%

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

Frequently asked questions about ZIP code 01040

What city is ZIP code 01040 in?

ZIP code 01040 is primarily assigned to Holyoke, Massachusetts.

What county is ZIP code 01040 in?

ZIP code 01040 falls within Hampden County, Massachusetts.

What is the poverty rate in ZIP code 01040?

26% of residents in ZIP code 01040 live below the poverty line, above the national average.

Is ZIP code 01040 mostly rentals?

59% of occupied units in ZIP code 01040 are renter-occupied.

What share of ZIP code 01040 residents are foreign-born?

23% of residents in ZIP code 01040 are foreign-born, well above the national average of ~14%.

What is the population of ZIP code 01040?

ZIP code 01040 has an estimated population of 38,210 residents, with a density of 1,805 people per square mile.

What timezone is ZIP code 01040 in?

ZIP code 01040 observes the EST timezone.