ZIP Code 10595 — Valhalla, New York

The median home in 10595 is valued at $725,200 against a median household income of $108,750, a price-to-income ratio of 6.7. 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, 10595 ranks 67 of 70 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.5. Renting takes 17.9% of median household income (median rent $1,626 a month), under the 30% cost-burden threshold.

10595 ranks 375 of 1,572 statewide on median household income and 180 of 1,572 on median home value; its income is below the $148,390 Westchester County median. 73% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 47% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 14.4%, above the 9.9% statewide ZIP median. Unemployment stands at 6.8%.

With 1,355 residents per square mile across 5.3 square miles of land, 10595 is far denser than the statewide ZIP median of 197 (rank 462 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.