ZIP Code 02814 — Chepachet CDP, RI Demographics & Data

ZIP code 02814 covers Chepachet, RI in Providence County with a population of about 7,421.

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 02814 is about $109,632 — about 46% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.9%; unemployment rate near 1.9%; 32.2% of adults with a bachelor’s degree or higher (about 1.5 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Construction, and Retail trade; about 12.6% of workers reporting work-from-home (about 2.6 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 $376,200 — about 8% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $901 (about 23% below the U.S. median rent ($1,163)), and owner-occupancy near 90.1% (about 24.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 02814 in Chepachet, RI, a household would need roughly $104,000 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 $2,417. That is roughly in line with the local median household income ($109,632). 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 Chepachet CDP, RI as Relatively Moderate (composite score 93.7), which is among the highest nationally. The strongest component scores on US5 are flood (96.6) and hurricane (91.7). 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 Chepachet CDP, RI show little to no average snow and around 53.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 274 for ZIP 02814 (Chepachet 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.