ZIP Code 10928 — Highland Falls, New York

The median home in 10928 is valued at $307,800 against a median household income of $96,106, a price-to-income ratio of 3.2. That is above the 2.9 median across the 1,572 New York ZIP codes with published housing data, and near the 3.0 ratio that marks an attainable market nationally. Within Orange County, 10928 ranks 16 of 38 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.4. Renting takes 21.4% of median household income (median rent $1,717 a month), under the 30% cost-burden threshold.

10928 ranks 499 of 1,572 statewide on median household income and 604 of 1,572 on median home value; its income is below the $105,400 Orange County median. 59% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 33% of adults hold a bachelor's degree or higher, above the 31% median, and the poverty rate is 8.6%, below the 9.9% statewide ZIP median. Unemployment stands at 5.4%.

With 628 residents per square mile across 8.4 square miles of land, 10928 is far denser than the statewide ZIP median of 197 (rank 566 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.