ZIP Code 02804 — Ashaway CDP, RI Demographics & Data

ZIP code 02804 covers Ashaway, RI in Washington County with a population of about 2,661.

At a glance, the area shows median age of 48.4 versus a U.S. median of about 38.9.

It sits in telephone area code 401; U.S. House district RI-2; the PROVIDENCE - NEW BEDFORD media market.

Median household income in ZIP 02804 is about $101,392 — about 35% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 6.5%; unemployment rate near 3.2%; 23.9% of adults with a bachelor’s degree or higher (about 9.8 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Other services; about 3.9% of workers reporting work-from-home (about 11.3 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 $303,000 — about 13% below the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,312 (about 13% above the U.S. median rent ($1,163)), and owner-occupancy near 81.1% (about 15.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 02804 in Ashaway, RI, a household would need roughly $83,000 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 $1,946. That sits below the local median household income ($101,392), 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 Ashaway CDP, RI as Relatively Low (composite score 64.0), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (82.2) and flood (75.4). 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 Ashaway CDP, RI show little to no average snow and around 42.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 98 for ZIP 02804 (Ashaway CDP, RI) 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.