ZIP Code 01464 — Shirley CDP, MA Demographics & Data

ZIP code 01464 covers Shirley, MA in Middlesex County with a population of about 7,017.

At a glance, the area shows median age of 44.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 351, 978; U.S. House district MA-3; the BOSTON (MANCHESTER) media market.

Median household income in ZIP 01464 is about $121,875 — about 62% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 2.1%; unemployment rate near 4.2%; 35.6% of adults with a bachelor’s degree or higher (about 1.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Manufacturing, Healthcare, and Professional services; about 19.5% of workers reporting work-from-home (about 4.3 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 $412,700 — about 19% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,127 (about 3% below the U.S. median rent ($1,163)), and owner-occupancy near 82.3% (about 16.9 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 01464 in Shirley, MA, a household would need roughly $114,000 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 $2,651. That is roughly in line with the local median household income ($121,875). 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 Shirley CDP, MA as Relatively High (composite score 96.9), which is among the highest nationally. The strongest component scores on US5 are flood (98.5) and hurricane (95.5). 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 Shirley CDP, MA show little to no average snow and around 43.4 inches of annual precipitation.

IRS migration statistics show a net inflow of about 331 for ZIP 01464 (Shirley 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.