ZIP Code 10516 — Cold Spring, New York

The median home in 10516 is valued at $625,400 against a median household income of $135,922, a price-to-income ratio of 4.6. That is far 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 Putnam County, 10516 ranks 8 of 8 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.5. Renting takes 15.9% of median household income (median rent $1,798 a month), under the 30% cost-burden threshold.

10516 ranks 187 of 1,572 statewide on median household income and 275 of 1,572 on median home value; its income is above the $125,961 Putnam County median. 73% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 62% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 6.7%, below the 9.9% statewide ZIP median. Unemployment stands at 4.2%.

With 178 residents per square mile across 31.5 square miles of land, 10516 is less dense than the statewide ZIP median of 197 (rank 798 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.