ZIP Code 10977 — Spring Valley, New York

The median home in 10977 is valued at $602,300 against a median household income of $77,724, a price-to-income ratio of 7.7. 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, 10977 ranks 22 of 23 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.3. Renting takes 26.4% of median household income (median rent $1,711 a month), under the 30% cost-burden threshold.

10977 ranks 836 of 1,572 statewide on median household income and 299 of 1,572 on median home value; its income is below the $118,445 Rockland County median. 46% of households own their home, below the 80% statewide ZIP median, so most residents rent. 23% of adults hold a bachelor's degree or higher, below the 31% median, and the poverty rate is 29.1%, far above the 9.9% statewide ZIP median and among the highest in the state. Unemployment stands at 5.4%.

With 6,324 residents per square mile across 11.3 square miles of land, 10977 is far denser than the statewide ZIP median of 197 (rank 241 of 1,572). This is predominantly single-family residential with suburban street patterns.