ZIP Code 01604 — Worcester city, MA Demographics & Data

ZIP code 01604 covers Worcester, MA in Worcester County with a population of about 39,988.

At a glance, the area shows median age of 38.1 (near the U.S. median).

It sits in telephone area codes 508, 774; U.S. House district MA-2; the BOSTON (MANCHESTER) media market.

Worcester, MA sits in a university / college context (near university of massachusetts chan medical school (1.7 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 01604 is about $72,911 — about 3% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 15.3%; unemployment rate near 5.1%; 31.2% of adults with a bachelor’s degree or higher (about 2.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Manufacturing; about 11.5% of workers reporting work-from-home (about 3.7 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 $321,900 — about 8% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,305 (about 12% above the U.S. median rent ($1,163)), and owner-occupancy near 43.4% (about 22.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 01604 in Worcester, MA, a household would need roughly $89,000 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 $2,068. That is about 22% above the local median household income ($72,911), 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 Worcester city, 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 Worcester city, MA show little to no average snow and around 48.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,887 for ZIP 01604 (Worcester 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.