Census tract · Hampden County
Census Tract 8104.03, Hampden County, Massachusetts
Census Tract 8104.03, GEOID 25013810403, in Hampden County, Massachusetts, entirely within Ludlow. 4,689 residents in the ACS 2020-2024 5-year estimates (±558); the 2020 Census counted 4,033.
Residents, 2020-2024
4,689
±558 (90% margin)
2020 Census count: 4,033
Median household income
$56,610
±$3,777 (90% margin)
Hampden County: $71,306
Median home value
$274,900
±$13,646 (90% margin)
Hampden County: $298,800
Median gross rent
$1,178
±$90 (90% margin)
Hampden County: $1,136
Where is Census Tract 8104.03?
Census Tract 8104.03 is one of 104 census tracts in Hampden County, Massachusetts. It covers 0.98 square miles of land, 4,099 residents per square mile in 2020. Its GEOID, 25013810403, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| Ludlow | 100% |
6 census tracts border Census Tract 8104.03: Tract 8001.02 ($51,692), Tract 8002.02 ($74,219), Tract 8104.04 ($96,827), Tract 8104.12 ($83,769), Tract 8106.02 ($110,000) and Tract 8136.01 ($103,903). 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 8104.03?
The 2020-2024 American Community Survey puts Census Tract 8104.03's population at 4,689 (±558) in 2,064 households; the 2020 Census counted 4,033 residents and 2,008 housing units.
| Measure | Tract 8104.03 | Ludlow |
|---|---|---|
| Total population | 4,689 ±558 | 20,904 |
| Households | 2,064 ±235 | 8,504 |
| Average household size | 2.27 ±0.21 | 2.40 |
| Housing units | 2,164 ±232 | 9,154 |
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 8104.03?
The median resident of Census Tract 8104.03 is 35.8 years old; 17.1% are under 18 and 16.3% are 65 or older. The largest group is non-Hispanic white residents at 70.9%, then Hispanic or Latino residents (of any race) at 18.0%. 15.8% of residents were born outside the United States.
| Measure | Tract 8104.03 | Ludlow |
|---|---|---|
| Median age | 35.8 ±5.0 | 44.3 |
| Under 18 years | 17.1% ±4.3 pts | 16.4% |
| 65 years and over | 16.3% ±3.5 pts | 21.8% |
| Hispanic or Latino (any race) | 18.0% ±7.7 pts | 8.9% |
| White alone, not Hispanic | 70.9% ±8.4 pts | 86.2% |
| Black or African American alone, not Hispanic | 2.0% ±3.0 pts | 1.6% |
| Asian alone, not Hispanic | 3.2% ±2.1 pts | 0.9% |
| 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 | 5.6% ±6.5 pts | 2.3% |
| Some other race alone, not Hispanic | 0.3% ±0.7 pts | 0.1% |
| Born outside the United States | 15.8% ±6.6 pts | 15.9% |
| Speak a language other than English at home (age 5+) | 28.2% ±8.9 pts | 24.5% |
| Civilian veterans (age 18+) | 5.7% ±2.3 pts | 6.9% |
| With a disability | 18.1% ±4.8 pts | 15.0% |
| No health insurance coverage | 2.6% ±2.3 pts | 1.2% |
| High school graduate or higher (age 25+) | 88.0% ±5.2 pts | 89.9% |
| Bachelor's degree or higher (age 25+) | 17.0% ±5.2 pts | 27.0% |
| Graduate or professional degree (age 25+) | 4.9% ±2.6 pts | 7.9% |
| Lived in the same house a year earlier | 87.7% ±7.7 pts | 93.0% |
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 8104.03 earn?
Half of the 2,064 households in Census Tract 8104.03 earn less than $56,610 a year (±$3,777), against $71,306 across Hampden County: 69th highest of the county's 103 tracts with a reliable estimate. 16.4% of residents live below the poverty line.
| Measure | Tract 8104.03 | Ludlow |
|---|---|---|
| Median household income | $56,610 ±$3,777 | $84,838 |
| Mean household income | $76,628 ±$8,754 | $110,842 |
| Per capita income | $33,359 ±$3,531 | $45,424 |
| People below the poverty line | 16.4% ±7.5 pts | 6.8% |
| Children under 18 below the poverty line | 23.2% ±19.6 pts | 5.7% |
| Households receiving SNAP | 24.6% ±8.8 pts | 12.6% |
| Households with a computer | 91.5% ±4.9 pts | 93.0% |
| Households with a broadband subscription | 93.4% ±4.3 pts | 93.1% |
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 8104.03?
Owners occupy 43.8% of Census Tract 8104.03's occupied homes and renters 56.3%. The median owner-occupied home is valued at $274,900 by its owner (±$13,646). The median renter pays $1,178 a month including utilities, and 45.5% of renters pay 35% or more of their income on rent.
| Measure | Tract 8104.03 | Ludlow |
|---|---|---|
| Median home value (owner-occupied) | $274,900 ±$13,646 | $335,300 |
| Median gross rent | $1,178 ±$90 | $1,223 |
| Renters paying 35% or more of income on rent | 45.5% ±13.7 pts | 44.0% |
| Median monthly owner costs, with a mortgage | $1,812 ±$192 | $1,957 |
| Owner-occupied homes | 43.8% ±7.5 pts | 77.5% |
| Renter-occupied homes | 56.3% ±7.5 pts | 22.5% |
| Housing units | 2,164 ±232 | 9,154 |
| Single-family detached homes | 45.0% ±7.1 pts | 74.4% |
| Mobile homes | 0.0% ±1.9 pts | 0.2% |
| Built 2020 or later | 0.0% ±1.9 pts | 1.5% |
| Built 2010 to 2019 | 1.8% ±1.4 pts | 4.3% |
| Built 1939 or earlier | 41.4% ±8.3 pts | 18.6% |
| Households with no vehicle | 9.3% ±5.6 pts | 4.9% |
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 8104.03 get to work?
65.9% of Census Tract 8104.03's workers drive alone and 13.3% work from home. The average trip to work takes 18.9 minutes. The unemployment rate in 2020-2024 averaged 5.4%.
| Measure | Tract 8104.03 | Ludlow |
|---|---|---|
| In the labor force (age 16+) | 69.6% ±5.9 pts | 62.4% |
| Unemployment rate | 5.4% ±3.0 pts | 4.9% |
| Drove alone to work | 65.9% ±10.5 pts | 75.6% |
| Carpooled | 18.0% ±8.2 pts | 8.9% |
| Public transportation | 0.0% ±1.7 pts | 0.1% |
| Walked | 2.4% ±2.9 pts | 0.7% |
| Worked from home | 13.3% ±7.1 pts | 14.0% |
| Mean travel time to work | 18.9 min ±2.2 | 20.1 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 8104.03 compare with the other tracts in Hampden County?
Among Hampden County's tracts with a reliable estimate, Census Tract 8104.03 ranks as shown below (1 = highest).
| Measure | In Hampden County |
|---|---|
| Population | 40th of 104 |
| Residents per square mile | 43rd of 104 |
| Median household income | 69th of 103 |
| Per capita income | 59th of 104 |
| Median home value | 52nd of 100 |
| Median gross rent | 44th of 88 |
| Poverty rate | 43rd of 85 |
| Bachelor's degree or higher | 78th of 98 |
| Median age | 69th of 104 |
| Owner-occupied share | 75th of 97 |
The tracts next to it on Hampden County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 8120.01 | 66th | $59,438±$11,870 · within the margin of this tract |
| Tract 8107 | 67th | $57,537±$12,642 · within the margin of this tract |
| Tract 8016.02 | 68th | $57,188±$21,038 · within the margin of this tract |
| Tract 8104.03 | 69th | $56,610±$3,777 |
| Tract 8001.01 | 70th | $56,482±$10,415 · within the margin of this tract |
| Tract 8127.01 | 71st | $54,517±$4,022 · within the margin of this tract |
| Tract 8121.03 | 72nd | $53,977±$8,330 · 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 8104.03?
1 of the 18 figures for Census Tract 8104.03 on this page carries a coefficient of variation over 40% and is 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