ZIP Code 01020 — Chicopee city, MA Demographics & Data

ZIP code 01020 covers Chicopee, MA in Hampden County with a population of about 30,230.

At a glance, the area shows median age of 43.8 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 01020 is about $70,971 — about 6% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 14.0%; unemployment rate near 6.0%; 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 Healthcare, Manufacturing, and Retail trade; about 8.4% of workers reporting work-from-home (about 6.8 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 $259,100 — about 26% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,053 (about 9% below the U.S. median rent ($1,163)), and owner-occupancy near 59.7% (about 5.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 01020 in Chicopee, MA, a household would need roughly $71,000 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 $1,664. That is roughly in line with the local median household income ($70,971). 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 Chicopee city, 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 Chicopee city, MA show little to no average snow and around 45.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,427 for ZIP 01020 (Chicopee city, 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.