01245 ZIP Code — Monterey, MA

Berkshire County, Massachusetts

ZIP code 01245 is located in Monterey, Massachusetts, within Berkshire County. It covers approximately 25.87 square miles and serves a population of 828 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 413.

About ZIP code 01245

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 $520,700. Owner-occupancy is high at 99%, well above the national average.

The gap between median ($111,354) and mean household income suggests income inequality — a small number of higher earners pull the average up. 71% 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 24 minutes is near the national average.

Educational attainment is high — 55% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Notable community characteristics include a notable veteran presence at 14% of civilians, above the national average of 7%.

Overall, ZIP code 01245 reflects a community defined by a highly educated population, a strong veteran community, high homeownership, and a significant Social Security-dependent population.

828

population

25.87

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

01245 ZIP code map

Cities in ZIP code 01245

Below are the cities the US Postal Service accepts for ZIP code 01245. Using any city not on this list may result in mail delivery delays.

City	Status
Monterey	Acceptable
Monterey	Preferred

Nearby ZIP codes

01253 Otis (5.4 mi) 01255 Sandisfield (6 mi) 01230 Great Barrington (6.9 mi) 01259 Southfield (7.3 mi) 01238 Lee (7.5 mi) 01263 Stockbridge (9.8 mi) 01222 Ashley Falls (10 mi) 01257 Sheffield (10.2 mi) 01223 Becket (10.5 mi) 01236 Housatonic (11.1 mi) 06018 Canaan (11.9 mi) 01266 West Stockbridge (11.9 mi)

Demographics updated 06/2026

Population
Total population	828
Population density	32 / sq mi
State FIPS	25
County FIPS	003

Geography
Land area	25.87 sq mi
Water area	0.68 sq mi
Latitude	42.1798
Longitude	-73.1969
Timezone	Eastern (ET)
Area code	413

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.1%	40.7%	31.3%
$50k – $100k	22.3%	30.9%	25.9%
$100k – $200k	22.5%	21.9%	28.5%
Over $200k	30.1%	6.5%	14.3%

Demographics & statistics

828

Population

People per sq mi

64.4

Median age

$111,354

Median household income

$71,444

Per capita income

$520,700

Median home value

Median monthly rent

98.5%

Home ownership

8.3%

Poverty rate

8.4%

Unemployment

788

Housing units

55.4%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	102	12.3%
18 and over	726	87.7%
65 and over	400	48.3%
Median age	64.4 years

Race & ethnicity

White 91.9%

Hispanic or Latino 3.7%

Other race 2.8%

Two or more races 0.9%

Black or African American 0.3%

Asian 0.3%

Group	Count	%
White	790	91.9%
Hispanic or Latino	32	3.7%
Other race	24	2.8%
Two or more races	8	0.9%
Black or African American	3	0.3%
Asian	3	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.1%	40.7%	31.3%
$50k – $100k	22.3%	30.9%	25.9%
$100k – $200k	22.5%	21.9%	28.5%
Over $200k	30.1%	6.5%	14.3%

$15k–$25k 11.6%

$25k–$35k 3.0%

$35k–$50k 9.6%

$50k–$75k 5.1%

$75k–$100k 9.9%

$100k–$150k 20.6%

$150k–$200k 6.3%

$200k+ 34.0%

Range	% of households
$15k–$25k	11.6%
$25k–$35k	3.0%
$35k–$50k	9.6%
$50k–$75k	5.1%
$75k–$100k	9.9%
$100k–$150k	20.6%
$150k–$200k	6.3%
$200k+	34.0%
Median income	$111,354

Housing

Home values

$50k–$100k 1.5%

$150k–$200k 1.2%

$200k–$300k 0.3%

$300k–$500k 43.9%

$500k–$1M 37.9%

$1M+ 15.2%

Housing overview

Metric	Value
Median home value	$520,700
Median rent / month	$0
Owner occupied	98.5%
Renter occupied	1.5%
Vacant	57.8%
Single-family detached	97.6%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	6.5
Avg household size (owned)	2.26

Year built

Era	%
2020 or later	0.0%
2010–2019	2.8%
2000–2009	16.4%
1990–1999	7.9%
1980–1989	17.3%
1970–1979	9.3%
1960–1969	8.3%
1950–1959	4.2%
1940–1949	3.8%
1939 or earlier	30.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	4.3%
2 bedrooms	15.0%
3 bedrooms	39.6%
4 bedrooms	35.8%
5+ bedrooms	5.3%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	27.2%
2 vehicles	56.1%
3 or more	16.7%

Heating fuel

Fuel type	%
Utility gas	2.7%
Electricity	3.0%
Propane / LP gas	41.8%
Fuel oil	40.0%
Wood	9.0%

Households & families

Household type	Count	%
Married-couple family	246	73.4%
Cohabiting couple	0	0.0%
Male householder, no spouse	32	9.6%
Female householder, no spouse	57	17.0%
Households with children under 18	65	19.4%
Households with seniors (65+)	241	71.9%
Average household size	2.24

Marital status

Status	Male	Female
Never married	22.9%	19.2%
Married	70.0%	58.7%
Separated	1.1%	0.0%
Widowed	0.0%	15.8%
Divorced	6.1%	6.2%

Education

Less than 9th grade 11.9%

Some HS, no diploma 1.7%

HS graduate 10.0%

Some college, no degree 15.8%

Associate's degree 5.2%

Bachelor's degree 18.2%

Graduate / professional 37.2%

Metric	%
HS diploma or higher	86.4%
Bachelor's or higher	55.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	0	0.0%
Kindergarten	8	5.8%
Elementary school	43	31.4%
High school	53	38.7%
College / grad school	33	24.1%

Employment

Industry of employment

Education & healthcare 38.9%

Professional & management 22.2%

Construction 11.4%

Finance & real estate 7.0%

Manufacturing 4.1%

Arts, food & hospitality 3.8%

Other services 3.8%

Public administration 3.8%

Agriculture & mining 2.8%

Transportation & utilities 2.2%

Occupation

Category	%
Management, business & arts	59.2%
Service	14.2%
Sales & office	11.7%
Natural resources & construction	11.1%
Production & transportation	3.8%

Employment type

Type	%
Private sector	63.9%
Government	17.1%
Self-employed	19.0%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	75.0%
Carpool	1.3%
Public transit	2.2%
Walk	2.5%
Work from home	10.4%
Other means	8.5%
Avg commute (minutes)	23.7

Poverty

All people 8.3%

Under 18 years 0.0%

18 and over 9.5%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	71.3%
Retirement income	47.8%
Supplemental Security	6.3%
Cash public assistance	0.0%
Food stamps / SNAP	3.0%

Health indicators

Condition	%
Obesity	23.2%
High blood pressure	31.0%
High cholesterol	34.4%
Diabetes	9.2%
Heart disease	6.9%
Stroke	3.0%
Asthma	10.3%
Arthritis	30.2%
Kidney disease	3.0%
Pulmonary disease	6.2%
Cancer	8.9%

Behavior / access	%
Smoking	12.2%
Binge drinking	16.1%
No physical activity	18.2%
Less than 7 hrs sleep	28.0%
Depression	18.5%
Fair or poor health	10.9%
Poor mental health	12.2%
Poor physical health	9.1%
No health insurance	5.1%
Visited doctor (checkup)	79.4%
Visited dentist	78.4%
Cholesterol screening	93.4%
Teeth loss	9.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	98	13.5%

Disability	%
Any disability	16.5%
Under 18	0.0%
18–64 years	18.7%
65 and over	19.0%

Health insurance coverage

Type	%
Private insurance	74.9%
Public insurance	63.2%
No insurance	0.0%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	823	99.4%
Spanish	46	5.6%
Other Indo-European	24	2.9%
Asian & Pacific Islander	22	2.7%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	806	97.3%
Born in same state	771	93.1%
Born in different state	451	54.5%
Foreign born	35	4.2%
Naturalized citizen	22	2.7%
Not a US citizen	22	100.0%

Ancestry

Ancestry	Count	%
French	133	16.1%
Italian	132	15.9%
Norwegian	9	1.1%

Ancestry	Count	%
Arab	6	0.7%
Irish	4	0.5%

Technology access

Metric	% of households
Computer access	40.5%
Internet access	96.4%

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

Frequently asked questions about ZIP code 01245

What city is ZIP code 01245 in?

ZIP code 01245 is primarily assigned to Monterey, Massachusetts.

What county is ZIP code 01245 in?

ZIP code 01245 falls within Berkshire County, Massachusetts.

Does ZIP code 01245 have an older population?

48% of residents in ZIP code 01245 are 65 or older, above the national average of ~17%.

Does ZIP code 01245 have a large retiree population?

71% of households in ZIP code 01245 receive Social Security income, suggesting a significant retiree or disability population.

Is ZIP code 01245 mostly owner-occupied?

99% of occupied units in ZIP code 01245 are owner-occupied, well above the national average.

How educated is the population of ZIP code 01245?

55% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What timezone is ZIP code 01245 in?

ZIP code 01245 observes the EST timezone.