Estimated median household income in 2007: $54,747
| This zip code: | $54,747 | | Massachusetts: | $62,365 |
Nearest zip codes: 01037, 01531, 01585, 01082, 01005, 01083.
Housing units in zip code 01031 with a mortgage: 147 (3 second mortgage, 11 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 76
Median monthly owner costs for units with a mortgage: $1,479
Median monthly owner costs for units without a mortgage: $550
Residents with income below the poverty level in 2007:
| This zip code: | 7.9% | | Whole state: | 9.9% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 3.5% | | Whole state: | 4.4% |
Median number of rooms in houses and condos:
| Here: | 6.0 | | State: | 6.4 |
Median number of rooms in apartments:
| Here: | 4.3 | | State: | 4.0 |
Year house built: |
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- 1999 to March 2000: 0
- 1995 to 1998: 30
- 1990 to 1994: 26
- 1980 to 1989: 81
- 1970 to 1979: 23
- 1960 to 1969: 33
- 1950 to 1959: 49
- 1940 to 1949: 23
- 1939 or earlier: 264
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Bedrooms in owner-occupied houses in 01031: |
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- no bedroom: 0
- 1 bedrooms: 18
- 2 bedrooms: 51
- 3 bedrooms: 164
- 4 bedrooms: 56
- 5 or more bedrooms: 9
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 0
- 1 bedrooms: 62
- 2 bedrooms: 55
- 3 bedrooms: 54
- 4 bedrooms: 13
- 5 or more bedrooms: 5
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Vehicles available in 01031 zip code in owner-occupied houses/condos: |
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- no vehicle: 6
- 1 vehicle: 75
- 2 vehicles: 144
- 3 vehicles: 53
- 4 vehicles: 20
- 5 or more vehicles: 0
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 35
- 1 vehicle: 96
- 2 vehicles: 54
- 3 vehicles: 4
- 4 vehicles: 0
- 5 or more vehicles: 0
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Estimated household income distribution in 2007:

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Estimate of home value of owner-occupied houses/condos in 2007 in zip code 01031:
- $100,000 to $124,999: 9
- $125,000 to $149,999: 11
- $150,000 to $174,999: 25
- $175,000 to $199,999: 48
- $200,000 to $249,999: 89
- $250,000 to $299,999: 32
- $300,000 to $399,999: 70
- $400,000 to $499,999: 13
- $500,000 to $749,999: 5
- $750,000 to $999,999: 1
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Rent paid by renters in 2007 in zip code 01031:
- Less than $100: 3
- $100 to $149: 6
- $150 to $199: 2
- $200 to $249: 9
- $300 to $349: 16
- $350 to $399: 2
- $400 to $449: 20
- $450 to $499: 8
- $500 to $549: 6
- $550 to $599: 10
- $600 to $649: 3
- $650 to $699: 8
- $750 to $799: 3
- No cash rent: 10
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Median price asked for vacant for-sale houses and condos in 2007: $275,601.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $236,315
Estimated median house or condo value in 2007: $238,561 (it was $116,500 in 2000)
| 01031: | $238,561 | | Massachusetts: | $366,400 |
Lower value quartile - upper value quartile: $0 - $0
Mean price in 2007:
Detached houses: $246,338| Here: | $246,338 | | State: | $440,475 |
Townhouses or other attached units: $165,484| Here: | $165,484 | | State: | $384,213 |
In 2-unit structures: $174,605| Here: | $174,605 | | State: | $414,317 |
Mobile homes: $75,000| Here: | $75,000 | | State: | $71,966 |
Owners and renters by unit type in %
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Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 286
- One, attached: 14
- Two: 96
- 3 or 4: 79
- 5 to 9: 47
- 20 to 49: 4
- Mobile homes: 3

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Means of transportation to work
- Drove a car alone: 497 (82%)
- Carpooled: 70 (12%)
- Bus or trolley bus: 6 (1%)
- Walked: 3 (0%)
- Other means: 7 (1%)
- Worked at home: 22 (4%)
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Travel time to work
- Less than 5 minutes: 14
- 5 to 9 minutes: 28
- 10 to 14 minutes: 55
- 15 to 19 minutes: 114
- 20 to 24 minutes: 58
- 25 to 29 minutes: 25
- 30 to 34 minutes: 92
- 35 to 39 minutes: 42
- 40 to 44 minutes: 33
- 45 to 59 minutes: 54
- 60 to 89 minutes: 59
- 90 or more minutes: 9
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Percentage of zip code residents living and working in this county: 52.7%
Household type by relationship
Households: 1,243
- In family households: 1,028 (259 male householders, 51 female householders)
247 spouses, 417 children (381 natural, 9 adopted, 27 stepchildren), 13 grandchildren, 0 brothers or sisters, 5 parents, 9 other relatives, 27 non-relatives
- In nonfamily households: 215 (63 male householders (44 living alone)), 117 female householders (93 living alone)), 35 nonrelatives
Size of family households: 90 2-persons, 96 3-persons, 69 4-persons, 43 5-persons, 12 6-persons.
Size of nonfamily households: 137 1-person, 43 2-persons.
254 married couples with children.
62 single-parent households (15 men, 47 women).
95.6% of residents of 01031 zip code speak English at home.
3.1% of residents speak other Indo-European language at home (58% very well, 17% well, 25% not well).
0.3% of residents speak Asian or Pacific Island language at home (100% not well).
0.9% of residents speak other language at home (27% very well, 73% well).
Foreign born population: 34 (2.7%)
(50.0% of them are naturalized citizens)
| This zip code: | 2.7% | | Whole state: | 12.2% |
Most common places of birth for the foreign-born residents:
- Egypt (32%)
- United Kingdom (26%)
- Netherlands (15%)
- France (9%)
- Germany (9%)
- Canada (9%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 11
- 1990 to 1994: 0
- 1985 to 1989: 3
- 1980 to 1984: 0
- 1975 to 1979: 0
- 1970 to 1974: 3
- 1970 to 1974: 4
- 1965 to 1969: 13
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White population: 1,239
Black population: 2
American Indian population: 2
Asian population: 0
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 4
Two or more races population: 16

First ancestries reported:
|  Polish: 200 |
|  French (except Basque): 180 |
|  Irish: 151 |
|  French Canadian: 118 |
|  English: 94 |
|  German: 83 |
|  Other groups: 53 |
|  Italian: 41 |
|  Dutch: 23 |
|  United States or American: 22 |
|  Scottish: 21 |
|  Swedish: 21 |
|  Lithuanian: 19 |
|  Arab:: 11 |
|  Egyptian: 11 |
|  Welsh: 10 |
|  Russian: 8 |
|  British: 5 |
|  Canadian: 5 |
|  Armenian: 4 |
|  Finnish: 4 |
|  Scotch-Irish: 3 |

Public primary/middle school in zip code 01031 not listed on the city page:- HARDWICK ELEM (Students: 272; Location: LOWER RD, GILBERTVILLE, MA; Grades: KG - 06)
Median worth of mobile homes: $128,137
Most commonly used house heating fuel: |
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- Fuel oil, kerosene, etc. (63%)
- Electricity (19%)
- Bottled, tank, or LP gas (10%)
- Wood (6%)
- Utility gas (1%)
- Coal or coke (1%)
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Place of birth for U.S.-born residents:
- This state: 994
- Northeast: 132
- Midwest: 34
- South: 27
- West: 13
62% of the 01031 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 62% lived in this county.
Out of people who lived in different counties, 62% lived in Massachusetts.
Population in 1990: 2,385. Population change in the 1990s: -1,122 (-47.0%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 16
| Here: | 10.3% | | Massachusetts: | 10.8% |
Students in private schools in grades 9 to 12 (high school): 2
| Here: | 2.2% | | Massachusetts: | 12.2% |
Students in private undergraduate colleges: 12
| Here: | 30.0% | | Massachusetts: | 48.2% |
School Enrollment by Level of School
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Top industries in this zip code by the number of employees in 2005:
- Administrative and Support and Waste Management and Remediation Services: Septic Tank and Related Services (10-19 employees: 1 establishment)
- Other Services (except Public Administration): Civic and Social Organizations (1-4: 2)
- Other Services (except Public Administration): General Automotive Repair (1-4: 2)
- Educational Services: Elementary and Secondary Schools (1-4: 1)
Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)
Age and Sex of Physically-Disabled Residents (Noninstitutionalized)
Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)
Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)
Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)
Age and Sex of Residents with Employment Disability (Noninst.)
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 18 | $189,433 | 30 | $165,062 | 9 | $73,780 | 3 | $144,693 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 2 | $167,415 | 5 | $234,948 | 1 | $151,170 | 0 | $0 |
| APPLICATIONS DENIED | 4 | $219,603 | 21 | $180,182 | 2 | $83,180 | 1 | $131,390 |
| APPLICATIONS WITHDRAWN | 1 | $280,090 | 11 | $188,192 | 1 | $153,290 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 4 | $170,330 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 partial tracts)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| E) Loans on Dwellings For 5+ Families
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 18 | $171,145 | 33 | $169,054 | 15 | $69,345 | 1 | $299,160 | 2 | $119,735 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $307,640 | 6 | $143,223 | 2 | $50,510 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 5 | $190,870 | 25 | $231,205 | 4 | $127,328 | 0 | $0 | 1 | $123,620 |
| APPLICATIONS WITHDRAWN | 2 | $214,040 | 20 | $211,214 | 2 | $74,170 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $134,570 | 5 | $188,608 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $175,890 | 22 | $165,811 | 35 | $152,159 | 11 | $64,893 | 4 | $132,980 | 1 | $147,640 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 4 | $136,865 | 4 | $185,873 | 0 | $0 | 1 | $216,510 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 3 | $133,863 | 13 | $172,035 | 3 | $38,147 | 1 | $56,510 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 3 | $174,953 | 14 | $185,606 | 2 | $89,715 | 1 | $208,390 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $231,170 | 8 | $189,404 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $216,160 | 21 | $170,007 | 36 | $142,556 | 10 | $99,920 | 3 | $144,930 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 4 | $136,953 | 6 | $140,750 | 1 | $118,320 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 3 | $194,260 | 13 | $199,259 | 1 | $75,940 | 1 | $66,050 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $200,970 | 10 | $193,059 | 2 | $61,810 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 11 | $172,425 | 1 | $114,790 | 0 | $0 |
Detailed HMDA statistics for the following Tracts:
7231.00
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 5 | $159,858 | 2 | $310,640 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $163,530 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $130,680 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans |
| Number | Average Value |
| LOANS ORIGINATED | 1 | $180,840 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $305,870 |
| APPLICATIONS DENIED | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $203,090 | 1 | $119,030 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 3 | $191,317 | 1 | $197,790 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Detailed PMIC statistics for the following Tracts:
7231.00
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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