ZIP Code 01085 — Westfield city, MA Demographics & Data

ZIP code 01085 covers Westfield, MA in Hampden County with a population of about 41,466.

At a glance, the area shows median age of 39.2 (near the U.S. median).

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

Westfield, MA sits in a university / college context (near westfield state university (1.9 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 01085 is about $83,821 — about 12% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.8%; unemployment rate near 4.0%; 32.8% of adults with a bachelor’s degree or higher (roughly in line with the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Manufacturing; about 7.5% of workers reporting work-from-home (about 7.6 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 $296,300 — about 15% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $943 (about 19% below the U.S. median rent ($1,163)), and owner-occupancy near 68.6% (about 3.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 01085 in Westfield, MA, a household would need roughly $82,000 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 $1,903. That is roughly in line with the local median household income ($83,821). 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 Westfield 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 Westfield 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 1,957 for ZIP 01085 (Westfield 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.