Estimated median household income in 2007: $46,084
| This zip code: | $46,084 | | Massachusetts: | $62,365 |
Nearest zip codes: 01438, 01468, 01436, 01473, 01452, 01430.
Gardner Zip Code Map
Housing units in zip code 01440 with a mortgage: 2,511 (245 second mortgage, 234 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 1,079
Median monthly owner costs for units with a mortgage: $1,491
Median monthly owner costs for units without a mortgage: $501
Residents with income below the poverty level in 2007:
| This zip code: | 10.2% | | Whole state: | 9.9% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 3.6% | | 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: | 3.9 | | State: | 4.0 |
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Notable locations in this zip code not listed on our city pages:
Notable location: Gardner Sewage Disposal Plant (A). Display/hide its location on the map
Church in zip code 01440: Bethany Church (A). Display/hide its location on the map
Reservoirs: Parker Pond (A), Cowee Pond (B), Murdock Pond (C), Perley Brook Reservoir (D), Beagle Pond (E), Dunn Pond (F), Ramsdall Pond (G), Wrights Reservoir (H). Display/hide their locations on the map
Streams, rivers, and creeks: Hubbardston Brook (A), Perley Brook (B). Display/hide their locations on the map
Parks in zip code 01440 include: Wilder Field (1), Bickford Playground (2). Display/hide their locations on the map
Post office: Gardner Post Office (A). Display/hide its location on the map
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Year house built: |
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- 1999 to March 2000: 70
- 1995 to 1998: 232
- 1990 to 1994: 297
- 1980 to 1989: 981
- 1970 to 1979: 871
- 1960 to 1969: 684
- 1950 to 1959: 941
- 1940 to 1949: 788
- 1939 or earlier: 4,138
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Bedrooms in owner-occupied houses in Gardner, MA (01440): |
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- no bedroom: 0
- 1 bedrooms: 141
- 2 bedrooms: 1,264
- 3 bedrooms: 2,295
- 4 bedrooms: 739
- 5 or more bedrooms: 214
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 124
- 1 bedrooms: 1,305
- 2 bedrooms: 1,638
- 3 bedrooms: 611
- 4 bedrooms: 87
- 5 or more bedrooms: 10
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Vehicles available in 01440 zip code in owner-occupied houses/condos: |
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- no vehicle: 147
- 1 vehicle: 1,587
- 2 vehicles: 2,196
- 3 vehicles: 501
- 4 vehicles: 186
- 5 or more vehicles: 36
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 903
- 1 vehicle: 1,919
- 2 vehicles: 854
- 3 vehicles: 51
- 4 vehicles: 0
- 5 or more vehicles: 48
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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 01440:
- $20,000 to $24,999: 3
- $25,000 to $29,999: 3
- $40,000 to $49,999: 5
- $50,000 to $59,999: 34
- $60,000 to $69,999: 18
- $70,000 to $79,999: 22
- $80,000 to $89,999: 21
- $90,000 to $99,999: 21
- $100,000 to $124,999: 159
- $125,000 to $149,999: 363
- $150,000 to $174,999: 658
- $175,000 to $199,999: 762
- $200,000 to $249,999: 1,354
- $250,000 to $299,999: 629
- $300,000 to $399,999: 395
- $400,000 to $499,999: 89
- $500,000 to $749,999: 59
- $750,000 to $999,999: 12
- $1,000,000 or more: 16
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Rent paid by renters in 2007 in zip code 01440:
- Less than $100: 29
- $100 to $149: 76
- $150 to $199: 67
- $200 to $249: 234
- $250 to $299: 130
- $300 to $349: 159
- $350 to $399: 144
- $400 to $449: 314
- $450 to $499: 190
- $500 to $549: 270
- $550 to $599: 82
- $600 to $649: 92
- $650 to $699: 41
- $700 to $749: 53
- $750 to $799: 79
- $800 to $899: 42
- $900 to $999: 68
- No cash rent: 109
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Median price asked for vacant for-sale houses and condos in 2007: $238,119.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $212,864
- Black or African American householders: $239,723
- American Indian or Alaska Native householders: $275,601
- Asian householders: $204,045
- Some other race householders: $190,415
- Two or more races householders: $225,492
- Hispanic or Latino householders: $225,492
Estimated median house or condo value in 2007: $208,644 (it was $104,200 in 2000)
| 01440: | $208,644 | | Massachusetts: | $366,400 |
Lower value quartile - upper value quartile: $164,759 - $233,565
Mean price in 2007:
Detached houses: $217,682| Here: | $217,682 | | State: | $440,475 |
Townhouses or other attached units: $148,565| Here: | $148,565 | | State: | $384,213 |
In 2-unit structures: $219,028| Here: | $219,028 | | State: | $414,317 |
In 3-to-4-unit structures: $194,477| Here: | $194,477 | | State: | $431,982 |
In 5-or-more-unit structures: $157,357| Here: | $157,357 | | State: | $335,381 |
Mobile homes: $70,646| Here: | $70,646 | | 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: 4,141
- One, attached: 187
- Two: 1,037
- 3 or 4: 1,299
- 5 to 9: 668
- 10 to 19: 431
- 20 to 49: 438
- 50 or more: 632
- Mobile homes: 169

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Means of transportation to work
- Drove a car alone: 7,655 (80%)
- Carpooled: 1,216 (13%)
- Bus or trolley bus: 122 (1%)
- Subway or elevated: 6 (0%)
- Taxi: 45 (0%)
- Walked: 322 (3%)
- Other means: 41 (0%)
- Worked at home: 203 (2%)
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Travel time to work
- Less than 5 minutes: 432
- 5 to 9 minutes: 1751
- 10 to 14 minutes: 1722
- 15 to 19 minutes: 1102
- 20 to 24 minutes: 1084
- 25 to 29 minutes: 332
- 30 to 34 minutes: 761
- 35 to 39 minutes: 177
- 40 to 44 minutes: 405
- 45 to 59 minutes: 922
- 60 to 89 minutes: 474
- 90 or more minutes: 245
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Percentage of zip code residents living and working in this county: 85.1%
Household type by relationship
Households: 19,828
- In family households: 15,932 (3,754 male householders, 1,455 female householders)
3,660 spouses, 5,989 children (5,487 natural, 179 adopted, 323 stepchildren), 193 grandchildren, 167 brothers or sisters, 74 parents, 178 other relatives, 462 non-relatives
- In nonfamily households: 3,896 (1,491 male householders (1,182 living alone)), 1,756 female householders (1,547 living alone)), 649 nonrelatives
- In group quarters: 1,283 (1,254 institutionalized population)
Size of family households: 2,253 2-persons, 1,170 3-persons, 1,127 4-persons, 436 5-persons, 131 6-persons, 92 7-or-more-persons.
Size of nonfamily households: 2,729 1-person, 449 2-persons, 56 3-persons, 13 4-persons.
3,084 married couples with children.
1,539 single-parent households (316 men, 1,223 women).
87.1% of residents of 01440 zip code speak English at home.
4.1% of residents speak Spanish at home (61% very well, 22% well, 15% not well, 2% not at all).
7.3% of residents speak other Indo-European language at home (73% very well, 22% well, 5% not well).
0.8% of residents speak Asian or Pacific Island language at home (43% very well, 32% well, 16% not well, 9% not at all).
0.8% of residents speak other language at home (67% very well, 18% well, 14% not well).
Foreign born population: 1,483 (7.0%)
(58.9% of them are naturalized citizens)
| This zip code: | 7.0% | | Whole state: | 12.2% |
Most common places of birth for the foreign-born residents:
- Canada (55%)
- Mexico (9%)
- Korea (3%)
- Vietnam (3%)
- Germany (3%)
- United Kingdom (2%)
- Chile (2%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 191
- 1990 to 1994: 60
- 1985 to 1989: 147
- 1980 to 1984: 72
- 1975 to 1979: 25
- 1970 to 1974: 49
- 1970 to 1974: 49
- 1965 to 1969: 890
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White population: 19,692
Black population: 476
American Indian population: 72
Asian population: 286
Native Hawaiian and Other Pacific Islander population: 16
Some other race population: 253
Two or more races population: 335

First ancestries reported:
|  French Canadian: 3438 |
|  French (except Basque): 3200 |
|  Irish: 2249 |
|  Other groups: 1568 |
|  English: 1216 |
|  Polish: 1103 |
|  Italian: 1099 |
|  United States or American: 836 |
|  German: 647 |
|  Finnish: 500 |
|  Swedish: 307 |
|  Scottish: 238 |
|  Lithuanian: 231 |
|  Canadian: 218 |
|  Subsaharan African:: 108 |
|  Scotch-Irish: 104 |
|  Greek: 103 |
|  Portuguese: 95 |
|  Arab:: 90 |
|  African: 83 |
|  Lebanese: 61 |
|  Norwegian: 44 |
|  Russian: 43 |
|  Danish: 34 |
|  Austrian: 34 |
|  Welsh: 34 |
|  Acadian/Cajun: 27 |
|  Armenian: 25 |
|  Dutch: 25 |
|  Palestinian: 20 |
|  Swiss: 20 |
|  British: 19 |
|  Northern European: 18 |
|  West Indian (excluding Hispanic groups):: 18 |
|  Ghanian: 17 |
|  European: 13 |
|  Scandinavian: 12 |
|  Brazilian: 11 |
|  Bermudan: 11 |
|  Czechoslovakian: 10 |
|  Egyptian: 9 |
|  Belgian: 8 |
|  Cape Verdean: 8 |
|  Estonian: 7 |
|  Jamaican: 7 |
|  Ukrainian: 7 |
|  Eastern European: 6 |
|  Pennsylvania German: 5 |
|  Hungarian: 4 |

Major facitilies with environmental interests located in this zip code:
- NICHOLS & STONE CO (232 SHERMAN ST in GARDNER, MA)
AIR MAJOR (AIRS/AFS)
(Integrated Compliance Information System) - ICIS-01-2000-0027, FORMAL ENFORCEMENT ACTION, ICIS-01-2000-0037,
CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
HAZARDOUS WASTE BIENNIAL REPORTER (Resource Conservation and Recovery Act (tracking hazardous waste))
Large Quantity Generators, more that 1000 kg of hazardous waste/month (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
TRI REPORTER (Tracking of toxic chemicals releasing facilities)
Business SIC classification: WOOD HOUSEHOLD FURNITURE, EXCEPT UPHOLSTERED
Business NAICS classification: NONUPHOLSTERED WOOD HOUSEHOLD FURNITURE MANUFACTURING.; SHOWCASE, PARTITION, SHELVING, AND LOCKER MANUFACTURING.
Organizations: A.J. PETERSON (CONTACT/OPERATOR)
, CARLETON E. NICHOLS, MR (CONTACT/OWNER)
- MOUNT WACHUSETT COMMUNITY COLLEGE (444 GREEN STREET in GARDNER, MA)
AIR MINOR (AIRS/AFS)
ENFORCEMENT/COMPLIANCE ACTIVITY (Integrated Compliance Information System) - ICIS-01-2003-9045, FORMAL ENFORCEMENT ACTION,
(Integrated Compliance Information System) - ICIS-01-2003-9045, FORMAL ENFORCEMENT ACTION,
Business SIC classification: ELECTRIC SERVICES
Alternative names: MT. WACHUSETT COMMUNITY COLLEGE, MT. WACHUSETT COMMUN, SOUTHBRIDGE POWER AN, SOUTHBRIDGE POWER AND THERMAL
- ELM ST SCHOOL (160 ELM STREET in GARDNER, MA)
AIR MINOR (AIRS/AFS)
AIR MONITORING SITE (Airborne pollution emission tracking)
(National Center for Education Statistics) - STATE ID-103001
CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
Business SIC classification: ELEMENTARY AND SECONDARY SCHOOLS
Organizations: GARDNER (SCHOOL DISTRICT)
Alternative names: ELM STREET SCHOOL
- MODERN CONTRACT FURNITURE INC (424 MAIN STREET in GARDNER, MA)
AIR MINOR (AIRS/AFS)
(Resource Conservation and Recovery Act (tracking hazardous waste))
TRI REPORTER (Tracking of toxic chemicals releasing facilities)
Business SIC classification: WOOD HOUSEHOLD FURNITURE, EXCEPT UPHOLSTERED; WOOD OFFICE FURNITURE
Business NAICS classification: NONUPHOLSTERED WOOD HOUSEHOLD FURNITURE MANUFACTURING.
Organizations: HERBERT ROSE (CONTACT/OWNER)
Alternative names: BENT GEORGE B CO INC, CONROY ASSOCIATES
- NEW ENGLAND PEPTIDE LLC (65 ZUB LN in GARDNER, MA)
STATE MASTER (MA-EPICS) - RCRAINFO-MAR000509612, HAZARDOUS WASTE PROGRAM
Small Quantity Generators, between 100 kg and 1000 kg of hazardous waste/month (Resource Conservation and Recovery Act (tracking hazardous waste))
Business NAICS classification: PHARMACEUTICAL PREPARATION MANUFACTURING.
Organizations: NEW ENGLAND PEPTIDE INC (CONTACT/OPERATOR)
, PATRIOT ENTERPRISE TRUST CO (CONTACT/OWNER)
Alternative names: NEW ENGLAND PEPTIDE INC
- NEW ENGLAND WOODEN WARE (75 LOGAN ST in GARDNER, MA)
AIR MINOR (AIRS/AFS)
CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
(Resource Conservation and Recovery Act (tracking hazardous waste))
Business SIC classification: CORRUGATED AND SOLID FIBER BOXES
Organizations: E MURDOCK INC (CONTACT/OWNER)
Alternative names: NEW ENG WOODEN WARE
- C&W FABRICATORS (35 WILKINS RD. in GARDNER, MA)
AIR MINOR (AIRS/AFS)
CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
(Resource Conservation and Recovery Act (tracking hazardous waste))
TRI REPORTER (Tracking of toxic chemicals releasing facilities)
Business SIC classification: FABRICATED STRUCTURAL METAL
Business NAICS classification: PLATE WORK MANUFACTURING.
- KIRK EASTERN STEEL TUBING (79 WILKINS RD in GARDNER, MA)
AIR MINOR (AIRS/AFS)
ENFORCEMENT/COMPLIANCE ACTIVITY (Integrated Compliance Information System)
CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
Small Quantity Generators, between 100 kg and 1000 kg of hazardous waste/month (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
TRI REPORTER (Tracking of toxic chemicals releasing facilities)
Business SIC classification: STEEL PIPE AND TUBES; FABRICATED METAL PRODUCTS
Organizations: KE TUBE INC (CONTACT/OWNER)
Alternative names: KE TUBE INC, KE TUBE INC D/B/A KIRK EASTERN CO
- COLLIER KEYWORTH CO (1 TUTTLE PL in GARDNER, MA)
AIR MINOR (AIRS/AFS)
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
TRI REPORTER (Tracking of toxic chemicals releasing facilities)
Business SIC classification: HARDWARE
Business NAICS classification: ELECTROPLATING, PLATING, POLISHING, ANODIZING, AND COLORING.; ALL OTHER MISCELLANEOUS FABRICATED METAL PRODUCT MANUFACTURING.; NONUPHOLSTERED WOOD HOUSEHOLD FURNITURE MANUFACTURING.; GAME, TOY, AND CHILDREN'S VEHICLE MANUFACTURING.
Organizations: COLLIER KEYWORTH COMPANY (CONTACT/OPERATOR)
, R A KEYWORTH (CONTACT/OWNER)
- ANDERSON WOODTURNING (134 CHELSEA STREET in GARDNER, MA)
AIR MINOR (AIRS/AFS)
CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
(Resource Conservation and Recovery Act (tracking hazardous waste))
Business SIC classification: MILLWORK
Alternative names: ANDERSSON WOODTURNIN
- ANDREU WORLD AMERICA, LLC (14 LEAMY STREET in GARDNER, MA)
AIR MINOR (AIRS/AFS)
CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
Business SIC classification: WOOD HOUSEHOLD FURNITURE, UPHOLSTERED
Organizations: FONTAINE BROTHERS INC (CONTACT/OPERATOR)
Alternative names: FONTAINE BROTHERS
- MILLERS GARAGE (207 EAST BROADWAY in GARDNER, MA)
(Resource Conservation and Recovery Act (tracking hazardous waste))
Conditionally Exempt Small Quantity Generators, less than 100 kg/month of hazardous waste (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
Business NAICS classification: GENERAL AUTOMOTIVE REPAIR.
Organizations: SUN OIL CO OF PENN (CONTACT/OWNER)
, RONALD MILLER (CONTACT/OWNER)
Alternative names: MILLERS GARAGE SUNOCO SERVICE STATION, SUNOCO SERVICE STA
- N CENTRAL CORRECTION INSTITUTE (500 COLONY ROAD in GARDNER, MA)
AIR SYNTHETIC MINOR (AIRS/AFS)
CRITERIA AND HAZARDOUS AIR POLLUTANT INVENTORY (Inventory of air pollution sources)
Small Quantity Generators, between 100 kg and 1000 kg of hazardous waste/month (Resource Conservation and Recovery Act (tracking hazardous waste)) - notification
Business SIC classification: CORRECTIONAL INSTITUTIONS
Organizations: COMMONWEALTH OF MASS (CONTACT/OWNER)
Alternative names: N C C I GARDNER IND, NO CENTRAL CORR INST, NORTH CENTRAL CORRECTIONAL INSTITUTE
Fire-safe hotels and motels in zip code 01440
- Super 8 Motel, 22 Pearson Blvd, Gardner, MA 01440, Phone: (978) 630-2888, Fax: (978) 630-1716
- Colonial Hotel By Clarion, 625 Betty Spring Rd, Gardner, MA 01440, Phone: (888) 214-4991, Fax: (978) 632-0913
All 2 fire-safe hotels and motels in zip code 01440
Median worth of mobile homes: $113,615
Housing units lacking complete plumbing facilities: 0%
Housing units lacking complete kitchen facilities: 0%
Most commonly used house heating fuel: |
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- Fuel oil, kerosene, etc. (69%)
- Electricity (13%)
- Utility gas (13%)
- Bottled, tank, or LP gas (4%)
- Other fuel (1%)
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Place of birth for U.S.-born residents:
- This state: 15998
- Northeast: 1742
- Midwest: 260
- South: 743
- West: 376
58% of the 01440 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 75% lived in this county.
Out of people who lived in different counties, 44% lived in Massachusetts.
Population in 1990: 20,125. Population change in the 1990s: +1,005 (+5.0%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 330
| Here: | 13.4% | | Massachusetts: | 10.8% |
Students in private schools in grades 9 to 12 (high school): 61
| Here: | 4.9% | | Massachusetts: | 12.2% |
Students in private undergraduate colleges: 126
| Here: | 15.3% | | Massachusetts: | 48.2% |
School Enrollment by Level of School
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Companies with federal contracts located in this zip code (GARDNER, MA):
- GSH INTELLIGENT INTEGRATED SYS (246 SUFFOLK LANE; small business): $231,660 in 6 contracts from 1999 to 2002
Contracts for ADP Components, ADPE System Configuration by Navy, Air Force Signed by year: 2000: $146,400; 2001: $0; 2002: $32,610; 2003: $0; 2004: $0; 2005: $0; 2006: $0.
Biggest contracts:
$66,720 with Navy for ADP Components. Signed on 2000-07-21. Completion date: 2000-08-30.
$43,200, same as above. Signed on 2000-04-25. Completion date: 2000-06-15.
$36,480, same as above. Signed on 2000-03-14. Completion date: 2000-04-07.
$32,610 with Air Force for ADPE System Configuration. Signed on 2002-09-12. Completion date: 2002-10-11.
- ADVANCED CABLE TIES INC (245 SUFFOLK LANE; small business): $19,723 in 2 contracts from 2005 to 2006
$17,079 with Defense Logistics Agency for Electrical Hardware and Supplies. Signed on 2005-09-22. Completion date: 2005-11-22.
$2,644, same as above. Signed on 2006-02-13. Completion date: 2006-03-15.
- MACK PROTOTYPE INC (424 MAIN ST; small business): $16,270 in 3 contracts from 2003 to 2005
$8,550 with Navy for ADP Components. Signed on 2003-03-31. Completion date: 2003-05-16.
$4,300 with Navy for Plastics Fabricated Materials. Signed on 2005-11-09. Completion date: 2005-12-02.
$3,420 with Navy for Plastics Fabricated Materials. Taking place in VA. Signed on 2003-08-13. Completion date: 2003-09-27.
- PARKER GLASS CONTRACTING, LLC (441 CHESTNUT ST; small business): $16,080 in 2 contracts from 2002 to 2003
$8,580 with U.S. Army Corps of Engineers - civil program financing only for Maintenance, Repair or Alteration of Real Property -- Office Buildings. Signed on 2002-09-03. Completion date: 2002-09-30.
$7,500, same as above. Signed on 2003-05-28. Completion date: 2003-06-30.
- BIOMEDICAL POLYMERS INC (42 LINUS ALLAIN AVE)
$15,777 with Navy for Laboratory Equipment and Supplies. Signed on 2005-10-01. Completion date: 2006-09-30.
- SALVADORE AUTO BODY (431 W BROADWAY)
$3,562 with Army for Maintenance, Repair and Rebuilding of Equipment -- Ground Effect Vehicles, Motor Vehicles, Trailers, and Cycles. Signed on 2005-02-08. Completion date: 2005-03-02.
Top industries in this zip code by the number of employees in 2005:
- Health Care and Social Assistance: General Medical and Surgical Hospitals (500-999 employees: 1 establishment)
- Health Care and Social Assistance: Nursing Care Facilities (100-249: 2, 10-19: 1)
- Accommodation and Food Services: Limited-Service Restaurants (50-99: 1, 20-49: 4, 10-19: 3, 5-9: 3, 1-4: 5)
- Health Care and Social Assistance: Vocational Rehabilitation Services (50-99: 2, 20-49: 1, 10-19: 2, 1-4: 1)
- Health Care and Social Assistance: Offices of Physicians (except Mental Health Specialists) (50-99: 1, 10-19: 6, 5-9: 3, 1-4: 13)
- Health Care and Social Assistance: Freestanding Ambulatory Surgical and Emergency Centers (100-249: 1, 10-19: 1)
- Information: Wired Telecommunications Carriers (100-249: 1, 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.)
People in group quarters
- 982 people in state prisons
- 256 people in nursing homes
- 15 people in homes or halfway houses for drug/alcohol abuse
- 10 people in religious group quarters
- 9 people in homes for the mentally retarded
- 9 people in other nonhousehold living situations
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 8 full tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | 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) | 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 | Number | Average Value |
| LOANS ORIGINATED | 19 | $206,241 | 351 | $155,420 | 486 | $147,298 | 173 | $47,217 | 15 | $341,732 | 53 | $158,566 | 16 | $54,963 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $190,000 | 34 | $130,688 | 89 | $159,019 | 21 | $66,539 | 0 | $0 | 6 | $119,630 | 0 | $0 |
| APPLICATIONS DENIED | 5 | $186,234 | 53 | $151,431 | 539 | $185,276 | 83 | $59,566 | 2 | $122,985 | 29 | $137,419 | 4 | $63,793 |
| APPLICATIONS WITHDRAWN | 6 | $192,735 | 30 | $146,715 | 210 | $171,225 | 18 | $96,326 | 0 | $0 | 3 | $116,703 | 2 | $46,045 |
| FILES CLOSED FOR INCOMPLETENESS | 4 | $207,098 | 10 | $177,046 | 57 | $206,571 | 5 | $40,560 | 0 | $0 | 0 | $0 | 2 | $51,800 |
Aggregated Statistics For Year 2006 (Based on 8 full tracts)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | 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) | 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 | Number | Average Value |
| LOANS ORIGINATED | 16 | $215,098 | 568 | $139,206 | 808 | $154,001 | 215 | $71,489 | 15 | $211,143 | 100 | $150,429 | 13 | $77,212 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 68 | $134,123 | 129 | $151,383 | 26 | $71,185 | 1 | $187,000 | 27 | $118,687 | 0 | $0 |
| APPLICATIONS DENIED | 3 | $256,123 | 103 | $135,769 | 570 | $167,263 | 130 | $92,562 | 4 | $480,310 | 37 | $144,926 | 8 | $112,945 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 60 | $133,357 | 428 | $167,411 | 37 | $123,089 | 1 | $17,000 | 31 | $164,512 | 2 | $122,985 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 11 | $163,011 | 108 | $181,761 | 8 | $75,465 | 0 | $0 | 5 | $162,090 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 8 full tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | 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) | 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 | Number | Average Value |
| LOANS ORIGINATED | 42 | $200,770 | 749 | $135,649 | 949 | $152,733 | 198 | $72,942 | 11 | $231,717 | 137 | $150,069 | 20 | $78,178 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 68 | $156,074 | 115 | $174,637 | 29 | $36,688 | 1 | $285,000 | 9 | $166,169 | 4 | $32,790 |
| APPLICATIONS DENIED | 15 | $213,059 | 144 | $116,641 | 572 | $162,156 | 119 | $71,139 | 1 | $528,000 | 33 | $131,972 | 6 | $126,445 |
| APPLICATIONS WITHDRAWN | 2 | $221,380 | 69 | $150,949 | 443 | $176,746 | 65 | $159,762 | 2 | $196,780 | 28 | $162,815 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $156,000 | 45 | $132,961 | 200 | $177,880 | 5 | $101,370 | 0 | $0 | 4 | $187,418 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 8 full tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | 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) | 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 | Number | Average Value |
| LOANS ORIGINATED | 81 | $196,392 | 663 | $140,818 | 1,033 | $141,671 | 206 | $75,707 | 13 | $280,028 | 120 | $124,358 | 4 | $56,598 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 4 | $186,228 | 70 | $124,239 | 121 | $158,141 | 7 | $64,533 | 5 | $255,478 | 6 | $99,593 | 2 | $16,845 |
| APPLICATIONS DENIED | 11 | $198,305 | 117 | $128,331 | 404 | $153,493 | 118 | $42,846 | 2 | $284,345 | 19 | $148,074 | 7 | $43,241 |
| APPLICATIONS WITHDRAWN | 1 | $234,000 | 48 | $145,501 | 385 | $146,851 | 28 | $55,145 | 0 | $0 | 16 | $143,844 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 19 | $108,849 | 279 | $153,107 | 18 | $153,058 | 0 | $0 | 6 | $153,672 | 2 | $62,970 |
Aggregated Statistics For Year 2003 (Based on 8 full tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | 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 | Number | Average Value |
| LOANS ORIGINATED | 89 | $156,826 | 553 | $135,754 | 1,992 | $119,719 | 97 | $34,982 | 21 | $196,686 | 129 | $100,322 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 5 | $155,754 | 40 | $155,920 | 192 | $124,327 | 22 | $28,612 | 0 | $0 | 14 | $139,311 |
| APPLICATIONS DENIED | 7 | $139,820 | 60 | $124,043 | 546 | $124,817 | 80 | $27,703 | 1 | $238,000 | 31 | $86,084 |
| APPLICATIONS WITHDRAWN | 2 | $145,815 | 37 | $132,908 | 470 | $135,290 | 16 | $31,918 | 0 | $0 | 25 | $103,678 |
| FILES CLOSED FOR INCOMPLETENESS | 4 | $163,820 | 7 | $137,459 | 39 | $126,039 | 4 | $62,355 | 0 | $0 | 4 | $83,758 |
Aggregated Statistics For Year 2002 (Based on 8 full tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | 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 | Number | Average Value |
| LOANS ORIGINATED | 123 | $144,695 | 433 | $123,548 | 1,298 | $110,363 | 116 | $34,058 | 15 | $177,432 | 90 | $87,393 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 8 | $116,373 | 28 | $129,277 | 153 | $103,211 | 13 | $26,569 | 4 | $109,360 | 14 | $78,091 |
| APPLICATIONS DENIED | 12 | $160,818 | 35 | $120,447 | 272 | $102,061 | 41 | $20,338 | 1 | $263,000 | 11 | $104,515 |
| APPLICATIONS WITHDRAWN | 6 | $123,883 | 39 | $114,737 | 275 | $110,016 | 20 | $37,744 | 0 | $0 | 7 | $155,467 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 64 | $118,548 | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2001 (Based on 8 full tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | 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 | Number | Average Value |
| LOANS ORIGINATED | 119 | $131,115 | 473 | $99,628 | 989 | $100,655 | 102 | $33,660 | 14 | $233,379 | 83 | $95,660 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 8 | $125,076 | 21 | $100,600 | 102 | $72,861 | 16 | $23,574 | 0 | $0 | 11 | $50,655 |
| APPLICATIONS DENIED | 9 | $129,956 | 50 | $72,152 | 292 | $84,448 | 76 | $24,723 | 0 | $0 | 18 | $77,089 |
| APPLICATIONS WITHDRAWN | 8 | $147,720 | 27 | $121,101 | 247 | $97,457 | 29 | $39,933 | 0 | $0 | 6 | $86,665 |
| FILES CLOSED FOR INCOMPLETENESS | 4 | $121,385 | 4 | $75,218 | 31 | $115,245 | 2 | $33,455 | 0 | $0 | 2 | $64,935 |
Aggregated Statistics For Year 2000 (Based on 8 full tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | 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 | Number | Average Value |
| LOANS ORIGINATED | 156 | $106,500 | 439 | $84,069 | 208 | $76,554 | 89 | $19,487 | 8 | $65,020 | 51 | $57,157 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $121,000 | 20 | $74,322 | 63 | $78,445 | 32 | $24,428 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 10 | $95,126 | 73 | $75,582 | 195 | $58,208 | 55 | $22,665 | 0 | $0 | 16 | $55,898 |
| APPLICATIONS WITHDRAWN | 5 | $78,164 | 46 | $66,548 | 169 | $80,145 | 13 | $37,542 | 1 | $76,000 | 20 | $64,250 |
| FILES CLOSED FOR INCOMPLETENESS | 4 | $82,163 | 4 | $182,718 | 7 | $65,379 | 2 | $44,275 | 0 | $0 | 2 | $126,630 |
Aggregated Statistics For Year 1999 (Based on 4 full and 1 partial tracts)
|
| A) FHA, FSA/RHS & VA Home Purchase Loans | 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 | Number | Average Value |
| LOANS ORIGINATED | 91 | $96,167 | 236 | $75,486 | 240 | $76,878 | 53 | $18,215 | 8 | $149,329 | 33 | $64,413 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $81,273 | 14 | $83,401 | 46 | $76,739 | 19 | $22,972 | 0 | $0 | 10 | $78,402 |
| APPLICATIONS DENIED | 12 | $82,109 | 27 | $60,686 | 113 | $64,131 | 42 | $18,249 | 1 | $96,930 | 18 | $42,663 |
| APPLICATIONS WITHDRAWN | 14 | $95,122 | 34 | $67,784 | 108 | $71,441 | 5 | $15,994 | 0 | $0 | 5 | $41,468 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $77,540 | 1 | $18,960 | 16 | $68,879 | 0 | $0 | 0 | $0 | 1 | $69,000 |
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 8 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 115 | $183,319 | 57 | $199,938 | 3 | $179,667 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 21 | $185,857 | 20 | $214,480 | 3 | $112,550 |
| APPLICATIONS DENIED | 0 | $0 | 3 | $171,597 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 11 | $210,775 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 8 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 88 | $192,765 | 56 | $224,519 | 5 | $155,436 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 15 | $208,614 | 16 | $206,761 | 3 | $195,083 |
| APPLICATIONS DENIED | 2 | $200,715 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 3 | $177,873 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $302,180 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 8 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 103 | $181,329 | 44 | $203,980 | 7 | $161,146 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 14 | $144,171 | 8 | $190,120 | 0 | $0 |
| APPLICATIONS DENIED | 1 | $114,000 | 2 | $247,725 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 3 | $226,833 | 2 | $247,725 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 8 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 138 | $178,464 | 48 | $176,559 | 9 | $191,286 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 21 | $139,777 | 28 | $184,220 | 2 | $190,255 |
| APPLICATIONS DENIED | 2 | $333,935 | 2 | $120,890 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 4 | $156,440 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 3 | $173,000 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 8 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 167 | $155,647 | 71 | $153,405 | 11 | $142,134 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 27 | $187,578 | 25 | $167,113 | 1 | $162,000 |
| APPLICATIONS DENIED | 2 | $235,990 | 6 | $171,527 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 2 | $162,345 | 7 | $168,181 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $122,790 | 0 | $0 |
Aggregated Statistics For Year 2002 (Based on 8 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 165 | $141,808 | 103 | $134,116 | 8 | $100,886 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 14 | $115,269 | 10 | $151,908 | 0 | $0 |
| APPLICATIONS DENIED | 2 | $109,000 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 2 | $117,000 | 6 | $129,783 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $98,390 | 0 | $0 |
Aggregated Statistics For Year 2001 (Based on 8 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 125 | $117,221 | 80 | $132,604 | 13 | $111,537 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 12 | $129,582 | 13 | $119,312 | 0 | $0 |
| APPLICATIONS DENIED | 4 | $71,110 | 3 | $90,000 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 4 | $121,000 | 2 | $102,000 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 1 | $108,000 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2000 (Based on 8 full tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 120 | $103,565 | 35 | $108,408 | 4 | $67,150 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 16 | $94,754 | 10 | $101,211 | 2 | $53,510 |
| APPLICATIONS DENIED | 3 | $101,430 | 4 | $114,145 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 5 | $84,764 | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 4 full and 1 partial tracts)
|
| A) Conventional Home Purchase Loans | B) Refinancings
| C) Non-occupant Loans on < 5 Family Dwellings (A & B) |
| Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 65 | $101,575 | 30 | $101,454 | 2 | $76,090 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 4 | $111,183 | 1 | $91,000 | 0 | $0 |
| APPLICATIONS DENIED | 2 | $113,800 | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 1 | $96,930 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 2 | $108,560 | 0 | $0 |
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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