ZIP Code 10976 — Sparkill, New York

The median home in 10976 is valued at $658,300 against a median household income of $95,956, a price-to-income ratio of 6.9. 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 Rockland County, 10976 ranks 21 of 23 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.3. Renting takes 13.4% of median household income (median rent $1,075 a month), under the 30% cost-burden threshold.

10976 ranks 502 of 1,572 statewide on median household income and 235 of 1,572 on median home value; its income is below the $118,445 Rockland County median. 63% of households own their home, below the 80% statewide ZIP median, making this a majority-owner ZIP. 54% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 11.7%, above the 9.9% statewide ZIP median. Unemployment stands at 6.8%.

With 2,014 residents per square mile across 1.1 square miles of land, 10976 is far denser than the statewide ZIP median of 197 (rank 415 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.