ZIP Code 10523 — Elmsford, New York

The median home in 10523 is valued at $526,000 against a median household income of $115,809, a price-to-income ratio of 4.5. 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 Westchester County, 10523 ranks 36 of 70 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.5. Renting takes 31.1% of median household income (median rent $3,004 a month), above the 30% cost-burden threshold.

10523 ranks 316 of 1,572 statewide on median household income and 348 of 1,572 on median home value; its income is below the $148,390 Westchester County median. 55% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 51% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 7.1%, below the 9.9% statewide ZIP median. Unemployment stands at 6.9%.

With 2,715 residents per square mile across 3.6 square miles of land, 10523 is far denser than the statewide ZIP median of 197 (rank 361 of 1,572). This is predominantly single-family residential with suburban street patterns.