ZIP Code 01104 — Springfield city, MA Demographics & Data

ZIP code 01104 covers Springfield, MA in Hampden County with a population of about 21,745.

At a glance, the area shows median age of 34.6 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.

Springfield, MA sits in a university / college context (near american international college (1.5 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 01104 is about $47,530 — about 37% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 21.8%; unemployment rate near 10.3%; 12.8% of adults with a bachelor’s degree or higher (about 20.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Manufacturing, and Retail trade; about 3.8% of workers reporting work-from-home (about 11.4 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 $210,800 — about 39% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $748 (about 36% below the U.S. median rent ($1,163)), and owner-occupancy near 46.1% (about 19.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 01104 in Springfield, MA, a household would need roughly $58,000 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 $1,354. That is about 22% above the local median household income ($47,530), so the median earner would likely stretch or need a larger down payment. 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 Springfield 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 Springfield 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 1,026 for ZIP 01104 (Springfield 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.