ZIP Code 10989 — Valley Cottage, New York

The median home in 10989 is valued at $512,700 against a median household income of $131,501, a price-to-income ratio of 3.9. 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 Rockland County, 10989 ranks 10 of 23 ZIPs on affordability (1 = lowest ratio); the county median ratio is 4.3. Renting takes 18.4% of median household income (median rent $2,017 a month), under the 30% cost-burden threshold.

10989 ranks 208 of 1,572 statewide on median household income and 358 of 1,572 on median home value; its income is above the $118,445 Rockland County median. 88% of households own their home, above the 80% statewide ZIP median, making this a majority-owner ZIP. 58% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 3.1%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 10.0%.

With 1,752 residents per square mile across 4.8 square miles of land, 10989 is far denser than the statewide ZIP median of 197 (rank 431 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.