ZIP Code 01060 — Northampton city, MA Demographics & Data

ZIP code 01060 covers Northampton, MA in Hampshire County with a population of about 15,237.

At a glance, the area shows median age of 40.9 versus a U.S. median of about 38.9.

It sits in telephone area code 413; U.S. House district MA-2; the SPRINGFIELD - HOLYOKE media market.

Northampton, MA sits in a university / college context (near smith college (0.5 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 01060 is about $75,077 — about even with the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.8%; unemployment rate near 5.0%; 68.5% of adults with a bachelor’s degree or higher (about 34.8 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Professional services; about 23.0% of workers reporting work-from-home (about 7.8 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 $427,100 — about 23% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,280 (about 10% above the U.S. median rent ($1,163)), and owner-occupancy near 45.4% (about 20.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 01060 in Northampton, MA, a household would need roughly $118,000 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 $2,744. That is about 57% above the local median household income ($75,077), 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 Northampton city, MA as Relatively Low (composite score 69.9), which is near the middle of the national distribution. The strongest component scores on US5 are hurricane (83.8) and flood (79.4). 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 Northampton city, MA show little to no average snow and around 46.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 719 for ZIP 01060 (Northampton 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.