Census tract · Franklin County
Census Tract 407.02, Franklin County, Massachusetts
Census Tract 407.02, GEOID 25011040702, in Franklin County, Massachusetts, entirely within Montague. 4,517 residents in the ACS 2020-2024 5-year estimates (±374); the 2020 Census counted 4,294.
Residents, 2020-2024
4,517
±374 (90% margin)
2020 Census count: 4,294
Median household income
$81,226
±$11,096 (90% margin)
Franklin County: $74,907
Median home value
$300,500
±$21,846 (90% margin)
Franklin County: $329,000
Median gross rent
$1,368
±$428 (90% margin)
Franklin County: $1,177
Where is Census Tract 407.02?
Census Tract 407.02 is one of 19 census tracts in Franklin County, Massachusetts. It covers 28.22 square miles of land, 152 residents per square mile in 2020. Its GEOID, 25011040702, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Montague | 100% |
| Millers Falls | 12% |
| Turners Falls | 12% |
6 census tracts border Census Tract 407.02: Tract 402 ($87,232), Tract 404 ($75,714), Tract 406 ($104,440), Tract 407.01 ($54,918), Tract 408 ($74,138) and Tract 409 ($106,136). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 407.02?
The 2020-2024 American Community Survey puts Census Tract 407.02's population at 4,517 (±374) in 1,916 households; the 2020 Census counted 4,294 residents and 2,062 housing units.
| Measure | Tract 407.02 | Montague |
|---|---|---|
| Total population | 4,517 ±374 | 8,482 |
| Households | 1,916 ±175 | 3,793 |
| Average household size | 2.36 ±0.27 | 2.20 |
| Housing units | 2,038 ±172 | 4,015 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 407.02?
The median resident of Census Tract 407.02 is 45.3 years old; 19.5% are under 18 and 25.9% are 65 or older. The largest group is non-Hispanic white residents at 91.2%, then Hispanic or Latino residents (of any race) at 4.2%. 3.8% of residents were born outside the United States.
| Measure | Tract 407.02 | Montague |
|---|---|---|
| Median age | 45.3 ±4.6 | 44.3 |
| Under 18 years | 19.5% ±4.5 pts | 19.0% |
| 65 years and over | 25.9% ±5.1 pts | 23.5% |
| Hispanic or Latino (any race) | 4.2% ±3.5 pts | 5.6% |
| White alone, not Hispanic | 91.2% ±4.7 pts | 87.2% |
| Black or African American alone, not Hispanic | 0.0% ±0.9 pts | 0.8% |
| Asian alone, not Hispanic | 1.8% ±1.9 pts | 1.5% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.9 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.9 pts | 0.0% |
| Two or more races, not Hispanic | 2.1% ±1.5 pts | 4.4% |
| Some other race alone, not Hispanic | 0.6% ±0.9 pts | 0.6% |
| Born outside the United States | 3.8% ±2.0 pts | 4.4% |
| Speak a language other than English at home (age 5+) | 5.5% ±3.1 pts | 7.4% |
| Civilian veterans (age 18+) | 7.5% ±3.1 pts | 6.0% |
| With a disability | 20.9% ±4.2 pts | 20.3% |
| No health insurance coverage | 2.2% ±2.0 pts | 2.0% |
| High school graduate or higher (age 25+) | 92.9% ±2.8 pts | 93.1% |
| Bachelor's degree or higher (age 25+) | 42.1% ±6.1 pts | 37.5% |
| Graduate or professional degree (age 25+) | 19.1% ±4.8 pts | 17.7% |
| Lived in the same house a year earlier | 92.4% ±4.1 pts | 92.4% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 407.02 earn?
Half of the 1,916 households in Census Tract 407.02 earn less than $81,226 a year (±$11,096), against $74,907 across Franklin County: 8th highest of the county's 19 tracts with a reliable estimate. 9.3% of residents live below the poverty line.
| Measure | Tract 407.02 | Montague |
|---|---|---|
| Median household income | $81,226 ±$11,096 | $70,510 |
| Mean household income | $94,045 ±$9,289 | $83,024 |
| Per capita income | $40,780 ±$4,284 | $37,992 |
| People below the poverty line | 9.3% ±4.0 pts | 11.5% |
| Children under 18 below the poverty line | 13.5% ±11.8 pts | 17.9% |
| Households receiving SNAP | 11.8% ±5.4 pts | 19.2% |
| Households with a computer | 92.7% ±4.6 pts | 94.2% |
| Households with a broadband subscription | 89.3% ±5.4 pts | 88.5% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 407.02?
Owners occupy 76.8% of Census Tract 407.02's occupied homes and renters 23.2%. The median owner-occupied home is valued at $300,500 by its owner (±$21,846). The median renter pays $1,368 a month including utilities, and 43.1% of renters pay 35% or more of their income on rent.
| Measure | Tract 407.02 | Montague |
|---|---|---|
| Median home value (owner-occupied) | $300,500 ±$21,846 | $282,100 |
| Median gross rent | $1,368 ±$428 | $1,207 |
| Renters paying 35% or more of income on rent | 43.1% ±16.8 pts | 44.9% |
| Median monthly owner costs, with a mortgage | $1,752 ±$320 | $1,772 |
| Owner-occupied homes | 76.8% ±6.1 pts | 62.7% |
| Renter-occupied homes | 23.2% ±6.1 pts | 37.3% |
| Housing units | 2,038 ±172 | 4,015 |
| Single-family detached homes | 68.4% ±6.4 pts | 55.3% |
| Mobile homes | 2.3% ±2.5 pts | 1.2% |
| Built 2020 or later | 0.7% ±1.1 pts | 0.4% |
| Built 2010 to 2019 | 0.7% ±0.9 pts | 0.5% |
| Built 1939 or earlier | 33.4% ±8.3 pts | 44.5% |
| Households with no vehicle | 7.0% ±4.5 pts | 11.0% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 407.02 get to work?
68.4% of Census Tract 407.02's workers drive alone and 20.9% work from home. The average trip to work takes 24.0 minutes. The unemployment rate in 2020-2024 averaged 4.6%.
| Measure | Tract 407.02 | Montague |
|---|---|---|
| In the labor force (age 16+) | 61.9% ±5.9 pts | 64.6% |
| Unemployment rate | 4.6% ±2.8 pts | 5.1% |
| Drove alone to work | 68.4% ±7.6 pts | 66.6% |
| Carpooled | 4.7% ±3.8 pts | 13.7% |
| Public transportation | 0.0% ±2.0 pts | 0.7% |
| Walked | 2.0% ±2.0 pts | 2.1% |
| Worked from home | 20.9% ±7.6 pts | 14.9% |
| Mean travel time to work | 24.0 min ±3.3 | 21.0 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 407.02 compare with the other tracts in Franklin County?
Among Franklin County's tracts with a reliable estimate, Census Tract 407.02 ranks as shown below (1 = highest).
| Measure | In Franklin County |
|---|---|
| Population | 5th of 19 |
| Residents per square mile | 12th of 19 |
| Median household income | 8th of 19 |
| Per capita income | 11th of 19 |
| Median home value | 8th of 18 |
| Median gross rent | 3rd of 19 |
| Poverty rate | 12th of 19 |
| Bachelor's degree or higher | 9th of 19 |
| Median age | 11th of 19 |
| Owner-occupied share | 9th of 19 |
The tracts next to it on Franklin County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 411 | 5th | $87,984±$10,880 · within the margin of this tract |
| Tract 402 | 6th | $87,232±$7,372 · within the margin of this tract |
| Tract 415.02 | 7th | $82,926±$2,613 · within the margin of this tract |
| Tract 407.02 | 8th | $81,226±$11,096 |
| Tract 404 | 9th | $75,714±$7,941 · within the margin of this tract |
| Tract 401 | 10th | $75,125±$6,655 · within the margin of this tract |
| Tract 410 | 11th | $75,070±$9,963 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 407.02?
3 of the 18 figures for Census Tract 407.02 on this page carry a coefficient of variation over 40% and are marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections