ZIP Code 02540 — West Falmouth CDP, MA Demographics & Data

ZIP code 02540 covers West Falmouth, MA in Barnstable County with a population of about 8,354.

At a glance, the area shows median age of 62.4 versus a U.S. median of about 38.9.

It sits in telephone area codes 508, 774; U.S. House district MA-9; the BOSTON (MANCHESTER) media market.

West Falmouth, MA fits a retirement-oriented profile (high share of residents 65+ (43.1%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 02540 is about $88,266 — about 17% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 16.2%; unemployment rate near 5.1%; 58.7% of adults with a bachelor’s degree or higher (about 25.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Education; about 22.5% of workers reporting work-from-home (about 7.3 points above 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 $756,300 — about 117% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,210 (about 4% above the U.S. median rent ($1,163)), and owner-occupancy near 65.7% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 02540 in West Falmouth, MA, a household would need roughly $208,000 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 $4,858. That is about 136% above the local median household income ($88,266), 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 West Falmouth CDP, MA as Relatively Moderate (composite score 89.1), which is elevated versus much of the country. The strongest component scores on US5 are hurricane (94.5) and flood (90.7). 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 West Falmouth CDP, MA show little to no average snow.

IRS migration statistics show a net inflow of about 394 for ZIP 02540 (West Falmouth 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.