ZIP Code 10604 — West Harrison, New York

The median home in 10604 is valued at $814,600 against a median household income of $111,131, a price-to-income ratio of 7.3. 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, 10604 ranks 68 of 70 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.5. Renting takes 21.3% of median household income (median rent $1,968 a month), under the 30% cost-burden threshold.

10604 ranks 353 of 1,572 statewide on median household income and 141 of 1,572 on median home value; its income is below the $148,390 Westchester County median. 54% 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 4.1%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 4.9%.

With 1,793 residents per square mile across 6.8 square miles of land, 10604 is far denser than the statewide ZIP median of 197 (rank 429 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.