ZIP Code 10990 — Warwick, New York

The median home in 10990 is valued at $462,100 against a median household income of $123,199, a price-to-income ratio of 3.8. 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, 10990 ranks 26 of 38 ZIPs on affordability (1 = lowest ratio); the county median ratio is 3.4. Renting takes 13.5% of median household income (median rent $1,387 a month), under the 30% cost-burden threshold.

10990 ranks 256 of 1,572 statewide on median household income and 400 of 1,572 on median home value; its income is above the $105,400 Orange County median. 77% of households own their home, in line with the 80% statewide ZIP median, making this a majority-owner ZIP. 50% of adults hold a bachelor's degree or higher, far above the 31% median, and the poverty rate is 4.7%, far below the 9.9% statewide ZIP median and among the lowest in the state. Unemployment stands at 3.5%.

With 332 residents per square mile across 61.4 square miles of land, 10990 is far denser than the statewide ZIP median of 197 (rank 669 of 1,572). This is a low-density pattern of large lots, small towns or scattered subdivisions.