ZIP Code 01540 — Oxford CDP, MA Demographics & Data

ZIP code 01540 covers Oxford, MA in Worcester County with a population of about 11,521.

At a glance, the area shows median age of 43.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 508, 774; U.S. House district MA-1; the BOSTON (MANCHESTER) media market.

Median household income in ZIP 01540 is about $118,389 — about 58% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.3%; unemployment rate near 5.6%; 26.8% of adults with a bachelor’s degree or higher (about 6.9 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Retail trade, and Education; about 14.0% of workers reporting work-from-home (about 1.2 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 $346,000 — about even with the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $973 (about 16% below the U.S. median rent ($1,163)), and owner-occupancy near 83.6% (about 18.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 01540 in Oxford, MA, a household would need roughly $95,000 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 $2,223. That sits below the local median household income ($118,389), 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 Oxford CDP, MA as Relatively Moderate (composite score 93.5), which is among the highest nationally. The strongest component scores on US5 are hurricane (96.6) and flood (95.3). 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 Oxford CDP, MA show little to no average snow and around 48.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 544 for ZIP 01540 (Oxford 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.