01098 ZIP Code — Worthington, MA

Hampshire County, Massachusetts

ZIP code 01098 is located in Worthington, Massachusetts, within Hampshire County. It covers approximately 31.89 square miles and serves a population of 951 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 413.

About ZIP code 01098

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 $309,500. Owner-occupancy is high at 96%, well above the national average.

Median household income is $91,181. The poverty rate of 3% is below the national average. 47% 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. An above-average commute of 39 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 31% of workers work from home.

Educational attainment is high — 48% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 01098 reflects a community defined by high homeownership, a high rate of remote workers, and a significant Social Security-dependent population.

951

population

31.89

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

01098 ZIP code map

Cities in ZIP code 01098

Below are the cities the US Postal Service accepts for ZIP code 01098. Using any city not on this list may result in mail delivery delays.

City	Status
Worthington	Preferred

Nearby ZIP codes

01026 Cummington (3.9 mi) 01235 Hinsdale (6.6 mi) 01012 Chesterfield (6.7 mi) 01032 Goshen (7.6 mi) 01050 Huntington (8.5 mi) 01011 Chester (8.6 mi) 01070 Plainfield (9 mi) 01096 Williamsburg (9.6 mi) 01223 Becket (10.4 mi) 01330 Ashfield (11.7 mi) 01226 Dalton (11.8 mi) 01053 Leeds (12.1 mi)

Demographics updated 05/2026

Population
Total population	951
Population density	30 / sq mi
State FIPS	25
County FIPS	015

Geography
Land area	31.89 sq mi
Water area	0.14 sq mi
Latitude	42.3902
Longitude	-72.9472
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	26.0%	35.4%	31.3%
$50k – $100k	36.1%	28.3%	25.9%
$100k – $200k	31.6%	27.4%	28.5%
Over $200k	6.3%	8.9%	14.3%

Demographics & statistics

951

Population

People per sq mi

61.1

Median age

$91,181

Median household income

$52,963

Per capita income

$309,500

Median home value

$533

Median monthly rent

95.5%

Home ownership

2.9%

Poverty rate

2.8%

Unemployment

579

Housing units

47.5%

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

132

65–74

139

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	118	12.4%
18 and over	833	87.6%
65 and over	334	35.1%
Median age	61.1 years

Race & ethnicity

White 95.3%

Two or more races 2.4%

Hispanic or Latino 1.9%

Other race 0.5%

Group	Count	%
White	923	95.3%
Two or more races	23	2.4%
Hispanic or Latino	18	1.9%
Other race	5	0.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	26.0%	35.4%	31.3%
$50k – $100k	36.1%	28.3%	25.9%
$100k – $200k	31.6%	27.4%	28.5%
Over $200k	6.3%	8.9%	14.3%

Under $10k 2.6%

$10k–$15k 2.8%

$15k–$25k 5.4%

$25k–$35k 2.1%

$35k–$50k 7.7%

$50k–$75k 16.3%

$75k–$100k 24.6%

$100k–$150k 16.7%

$150k–$200k 13.5%

$200k+ 8.4%

Range	% of households
Under $10k	2.6%
$10k–$15k	2.8%
$15k–$25k	5.4%
$25k–$35k	2.1%
$35k–$50k	7.7%
$50k–$75k	16.3%
$75k–$100k	24.6%
$100k–$150k	16.7%
$150k–$200k	13.5%
$200k+	8.4%
Median income	$91,181

Housing

Home values

Under $50k 0.9%

$50k–$100k 1.6%

$100k–$150k 1.3%

$150k–$200k 5.8%

$200k–$300k 38.3%

$300k–$500k 30.0%

$500k–$1M 17.3%

$1M+ 4.7%

Housing overview

Metric	Value
Median home value	$309,500
Median rent / month	$533
Owner occupied	95.5%
Renter occupied	4.5%
Vacant	22.2%
Single-family detached	91.5%
Large apartment buildings	0.5%
Mobile homes	0.0%
Median rooms	5.9
Avg household size (owned)	2.06

Year built

Era	%
2020 or later	0.0%
2010–2019	2.7%
2000–2009	7.8%
1990–1999	11.2%
1980–1989	9.3%
1970–1979	12.5%
1960–1969	9.2%
1950–1959	6.8%
1940–1949	5.3%
1939 or earlier	35.2%

Bedrooms

Size	% of units
No bedroom (studio)	0.7%
1 bedroom	11.8%
2 bedrooms	22.3%
3 bedrooms	43.5%
4 bedrooms	17.8%
5+ bedrooms	3.8%

Vehicles per household

Vehicles	% of households
No vehicle	1.7%
1 vehicle	24.8%
2 vehicles	55.7%
3 or more	17.8%

Heating fuel

Fuel type	%
Utility gas	1.9%
Electricity	6.6%
Propane / LP gas	16.3%
Fuel oil	34.7%
Wood	28.7%
Solar	2.4%

Households & families

Household type	Count	%
Married-couple family	289	61.9%
Cohabiting couple	20	4.3%
Male householder, no spouse	64	13.7%
Female householder, no spouse	94	20.1%
Households with children under 18	60	12.8%
Households with seniors (65+)	232	49.7%
Average household size	2.04

Marital status

Status	Male	Female
Never married	12.8%	16.5%
Married	71.9%	67.7%
Separated	0.0%	0.0%
Widowed	4.1%	7.4%
Divorced	11.1%	8.4%

Education

Less than 9th grade 1.1%

Some HS, no diploma 3.0%

HS graduate 28.1%

Some college, no degree 13.0%

Associate's degree 7.3%

Bachelor's degree 24.8%

Graduate / professional 22.7%

Metric	%
HS diploma or higher	95.9%
Bachelor's or higher	47.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	11	10.5%
Kindergarten	11	10.5%
Elementary school	49	46.7%
High school	21	20.0%
College / grad school	13	12.4%

Employment

Industry of employment

Education & healthcare 23.6%

Manufacturing 13.2%

Retail trade 12.5%

Professional & management 11.3%

Construction 10.8%

Public administration 8.3%

Other services 6.8%

Arts, food & hospitality 6.4%

Transportation & utilities 2.1%

Finance & real estate 1.9%

Agriculture & mining 1.3%

Wholesale trade 1.3%

Information 0.4%

Occupation

Category	%
Management, business & arts	49.5%
Service	8.1%
Sales & office	20.6%
Natural resources & construction	10.0%
Production & transportation	11.7%

Employment type

Type	%
Private sector	59.5%
Government	18.3%
Self-employed	22.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	62.2%
Carpool	4.7%
Public transit	0.0%
Walk	1.7%
Work from home	30.6%
Other means	0.8%
Avg commute (minutes)	38.5

Poverty

All people 2.9%

Under 18 years 0.0%

18 and over 3.2%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	46.9%
Retirement income	33.0%
Supplemental Security	0.6%
Cash public assistance	6.0%
Food stamps / SNAP	4.5%

Health indicators

Condition	%
Obesity	24.7%
High blood pressure	30.8%
High cholesterol	30.5%
Diabetes	9.3%
Heart disease	6.5%
Stroke	2.9%
Asthma	10.4%
Arthritis	28.7%
Kidney disease	2.9%
Pulmonary disease	6.5%
Cancer	7.8%

Behavior / access	%
Smoking	13.8%
Binge drinking	15.8%
No physical activity	18.2%
Less than 7 hrs sleep	30.5%
Depression	20.0%
Fair or poor health	11.2%
Poor mental health	13.0%
Poor physical health	9.4%
No health insurance	5.3%
Visited doctor (checkup)	78.8%
Visited dentist	73.5%
Cholesterol screening	93.2%
Teeth loss	10.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	56	6.7%

Disability	%
Any disability	8.7%
Under 18	1.7%
18–64 years	6.4%
65 and over	14.7%

Health insurance coverage

Type	%
Private insurance	74.4%
Public insurance	45.8%
No insurance	3.4%
Uninsured under 19	2.5%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	907	95.4%
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)	921	96.8%
Born in same state	899	94.5%
Born in different state	610	64.1%
Foreign born	22	2.3%
Naturalized citizen	30	3.2%
Not a US citizen	23	76.7%

Ancestry

Ancestry	Count	%
French	235	24.7%
Italian	124	13%
Arab	88	9.3%
German	42	4.4%

Ancestry	Count	%
English	19	2%
Dutch	8	0.8%
Polish	4	0.4%

Technology access

Metric	% of households
Computer access	49.1%
Internet access	95.7%

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

Frequently asked questions about ZIP code 01098

What city is ZIP code 01098 in?

ZIP code 01098 is primarily assigned to Worthington, Massachusetts.

What county is ZIP code 01098 in?

ZIP code 01098 falls within Hampshire County, Massachusetts.

Does ZIP code 01098 have an older population?

35% of residents in ZIP code 01098 are 65 or older, above the national average of ~17%.

Is ZIP code 01098 mostly owner-occupied?

96% of occupied units in ZIP code 01098 are owner-occupied, well above the national average.

Does ZIP code 01098 have a large retiree population?

47% of households in ZIP code 01098 receive Social Security income, suggesting a significant retiree or disability population.

How educated is the population of ZIP code 01098?

48% 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 01098 in?

ZIP code 01098 observes the EST timezone.