ZIP Code 10965 — Pearl River, New York

The median home in 10965 is valued at $560,200 against a median household income of $136,970, a price-to-income ratio of 4.1. 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, though it is among the more attainable ratios in the state. Within Rockland County, 10965 ranks 11 of 23 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.3. Renting takes 17.8% of median household income (median rent $2,036 a month), under the 30% cost-burden threshold.

10965 ranks 184 of 1,572 statewide on median household income and 329 of 1,572 on median home value; its income is above the $118,445 Rockland County median. 76% of households own their home, in line with 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 6.2%, below the 9.9% statewide ZIP median. Unemployment stands at 3.0%.

With 2,986 residents per square mile across 5.2 square miles of land, 10965 is far denser than the statewide ZIP median of 197 (rank 343 of 1,572). This is predominantly single-family residential with suburban street patterns.