ZIP Code 10514 — Chappaqua, New York

The median home in 10514 is valued at $1,069,100 against a median household income of more than $250,000 (the Census reporting ceiling), a price-to-income ratio of 4.3. That is above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and past the 3.0 ratio that marks an attainable market nationally, though it is among the more attainable ratios in the state. Within Westchester County, 10514 ranks 28 of 70 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.5. Renting takes 13.2% of median household income (median rent $2,758 a month), under the 30% cost-burden threshold.

10514 ranks 1 of 1,572 statewide on median household income and 58 of 1,572 on median home value; its income is far above the $148,390 Westchester County median. 88% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 83% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 3.4%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 4.8%.

With 963 residents per square mile across 12.7 square miles of land, 10514 is far denser than the statewide ZIP median of 197 (rank 512 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.