ZIP Code 10963 — Otisville, New York

The median home in 10963 is valued at $313,400 against a median household income of $79,265, a price-to-income ratio of 4.0. 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 Orange County, 10963 ranks 32 of 38 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.4. Renting takes 14.0% of median household income (median rent $925 a month), under the 30% cost-burden threshold.

10963 ranks 796 of 1,572 statewide on median household income and 593 of 1,572 on median home value; its income is below the $105,400 Orange County median. 68% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 17% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 8.2%, below the 9.9% statewide ZIP median. Unemployment stands at 0.8%.

With 298 residents per square mile across 13.2 square miles of land, 10963 is far denser than the statewide ZIP median of 197 (rank 691 of 1,572). This is rural or open territory where most of the land is agricultural, forest, desert or public land.