Best Places01095, MA Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 01095, scored on 40 measures of daily life and ranked to fit what matters to you. Local pay runs high here, and housing takes the biggest bite out of it. To work out which city fits you best, start with the best places to live tool.
01095 ranks 2,117th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on low crime by a wide margin, and childcare costs are the weak spot.
The best neighborhoods in 01095
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
01095's strengths and weaknesses
Where 01095 ranks high
- Crime safetyBetter than 99% of zip codes
- Healthcare accessBetter than 96% of zip codes
- Voter turnoutBetter than 94% of zip codes
- Tree shadeBetter than 92% of zip codes
- Household income$127,175 median, better than 92% of zip codes
Where 01095 ranks low
- Cheap childcare$1,385 a month, better than only 10% of zip codes
- Low property taxBetter than only 16% of zip codes
- Nice weatherabout 65 pleasant days a year, better than only 16% of zip codes
- Housing crash safetyBetter than only 23% of zip codes
- State fiscal healthBetter than only 27% of zip codes
What it costs to buy a home in 01095
A household needs to earn about $119,000 a year to comfortably buy the median 01095 home, at 20% down and today's 30-year rate. That is below the area's own median income of $127,175, so a typical household can afford the median home outright.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 01095's effective rate of 1.41%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 01095
01095 runs older than the country.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 01095.
Who works in 01095, and how
Work in 01095 centers on education and health care & social. Unemployment is low, and jobs are growing.
Largest industries
How people get to work
- Drive or carpool 81%
- Work from home 13%
- Transit, walk, or bike 6%
Life in 01095
01095 has more parkland per resident than 74% of zip codes. That concentrates in some parts of 01095 and thins out in others, which the map shows.
What the weather is like in 01095, month by month
01095 sees roughly 65 pleasant days a year. July highs average about 88 degrees. January highs sit near 39, with lows near 18. The comfortable stretch runs May through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 39° | 28° | 18° |
| April | 62° | 48° | 35° |
| July | 88° | 74° | 61° |
| October | 68° | 53° | 41° |
Flying in and out of 01095
Bradley International sits about 18 miles away. It is a medium hub and boarded 3.3 million passengers in 2025, with 92 nonstop destinations.
The best schools in and around 01095
Schools across 01095 average a B, better than 71% of zip codes.
Top elementary schools
- Stony Hill SchoolB+ · 53% proficient
- Soule RoadB · 48% proficient
- Green Meadows ElementaryB− · 40% proficient
Top middle schools
- Wilbraham MiddleB+ · 48% proficient
- Paul R Baird MiddleD+ · 24% proficient
- Kiley AcademyF · 9% proficient
Top high schools
- Minnechaug Regional HighA · 69% proficient
- Ludlow Senior HighA− · 64% proficient
- Monson High SchoolC− · 30% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 01095 school and its grade on SchoolGrade.
01095 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 01095 against the other 33,109 zip codes.
Common questions about living in 01095
Is 01095 a good place to live?
Using BestNeighborhood's default rankings, 01095 ranks 2,117th of 33,110 zip codes. It scores highest on low crime, health care access, and civic engagement, and lowest on childcare costs and property taxes. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 01095 expensive to live in?
The median home is worth $419,676. The overall cost of living runs about 10% above the national average. Set against a $127,175 median income, cost of living beats 88% of zip codes.
Is 01095 safe?
Yes, 01095 is safer than 99% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $125 per resident a year.
Compare 01095 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 01095. Scores are absolute rather than ranked, which means a 60 in 01095 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
01095 detail on BestNeighborhood maps:
- Walk Grade for 01095: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 01095: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 01095: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 01095: carrier by carrier coverage behind the cell score.
01095 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.