ZIP Code 10546 — Millwood, New York

The median home in 10546 is valued at $831,500 against a median household income of $213,250, a price-to-income ratio of 3.9. 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. Within Westchester County, 10546 ranks 20 of 70 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.5. Renting takes 19.7% of median household income (median rent $3,501 a month), under the 30% cost-burden threshold.

10546 ranks 27 of 1,572 statewide on median household income and 131 of 1,572 on median home value; its income is above the $148,390 Westchester County median. 89% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 89% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 2.0%, far below the 9.9% statewide ZIP median and among the lowest in the state.

With 1,024 residents per square mile across 1.2 square miles of land, 10546 is far denser than the statewide ZIP median of 197 (rank 507 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.