ZIP Code 02148 — Malden city, MA Demographics & Data

ZIP code 02148 covers Malden, MA in Middlesex County with a population of about 65,509.

At a glance, the area shows median age of 35.8 versus a U.S. median of about 38.9.

It sits in telephone area codes 339, 781; U.S. House district MA-5; the BOSTON (MANCHESTER) media market.

Median household income in ZIP 02148 is about $95,298 — about 27% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 13.3%; unemployment rate near 5.6%; 44.9% of adults with a bachelor’s degree or higher (about 11.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; about 17.6% of workers reporting work-from-home (about 2.4 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 $607,500 — about 75% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,869 (about 61% above the U.S. median rent ($1,163)), and owner-occupancy near 42.1% (about 23.3 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 02148 in Malden, MA, a household would need roughly $167,000 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 $3,902. That is about 75% above the local median household income ($95,298), 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 Malden city, 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 Malden city, MA show little to no average snow and around 43.6 inches of annual precipitation.

IRS migration statistics show a net inflow of about 3,092 for ZIP 02148 (Malden 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.