ZIP Code 01011 — Chester CDP, MA Demographics & Data

ZIP code 01011 covers Chester, MA in Hampden County with a population of about 1,205.

At a glance, the area shows median age of 46.0 versus a U.S. median of about 38.9.

It sits in telephone area code 413; U.S. House district MA-1; the SPRINGFIELD - HOLYOKE media market.

Median household income in ZIP 01011 is about $87,012 — about 16% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.2%; unemployment rate near 2.1%; 22.9% of adults with a bachelor’s degree or higher (about 10.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Transportation; about 4.1% of workers reporting work-from-home (about 11.1 points below the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $280,900 — about 19% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $856 (about 26% below the U.S. median rent ($1,163)), and owner-occupancy near 83.2% (about 17.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 01011 in Chester, MA, a household would need roughly $77,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $1,804. That sits below the local median household income ($87,012), suggesting the typical household income is closer to a workable buy-in level under these assumptions. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Chester CDP, MA as Relatively Moderate (composite score 92.8), which is among the highest nationally. The strongest component scores on US5 are flood (95.9) and hurricane (93.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Chester CDP, MA show little to no average snow and around 54.1 inches of annual precipitation.

IRS migration statistics show a net inflow of about 57 for ZIP 01011 (Chester CDP, MA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.