ZIP Code 10538 — Larchmont, New York

The median home in 10538 is valued at $1,185,300 against a median household income of $186,555, a price-to-income ratio of 6.4. That is far above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and well past the 3.0 ratio that marks an attainable market nationally, so buying here on a local median income requires substantial savings or a second income. Within Westchester County, 10538 ranks 61 of 70 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.5. Renting takes 13.6% of median household income (median rent $2,115 a month), under the 30% cost-burden threshold.

10538 ranks 42 of 1,572 statewide on median household income and 35 of 1,572 on median home value; its income is above the $148,390 Westchester County median. 78% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 82% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 2.6%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 6.1%.

With 5,060 residents per square mile across 3.5 square miles of land, 10538 is far denser than the statewide ZIP median of 197 (rank 271 of 1,572). This is predominantly single-family residential with suburban street patterns.