ZIP code 10523

ZIP 10523 is a mid-size town in Westchester County, New York, with 9,773 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #525 of 1,824 ranked by population — larger than 71% of them. The median age here is 35.2 years against 39.1 nationally, a slightly younger profile than the country as a whole. Places under 65,000 residents only appear in the five-year release, never the one-year file, so these values pool sixty months of responses and lag the current year by design.

Households in ZIP 10523 earn a median of $115,809 a year, 47.5% above the national figure of $78,538. The median is the midpoint household, not an average, so a handful of very high earners cannot drag it upward the way they distort a mean. Poverty reaches 7.1% of residents here, below the 12.4% national rate.

The typical owner-occupied home in ZIP 10523 is valued at $526,000, 73.4% above the national figure, while median gross rent runs $3,004 a month, 113.7% above the national figure, or roughly $36,048 across a full year. A household on the local median income would put about 31.1% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is a stretch on median earnings. The home-price-to-income ratio works out to 4.5×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 54.5% of occupied homes are owner-occupied versus 65% nationally, so the market leans more heavily on renters. Rent is reported gross — contract rent plus tenant-paid utilities — which is why it runs above the advertised price on a listing for the same unit.

All values below were released by the Census for this exact geography, with no gap-filling on our side. Small-area estimates still carry wider margins of error than state or national figures, so check the linked ACS tables before relying on them for lending, appraisal or legal work.

ZIP 10523 is tabulated inside Westchester County, New York, one of 74 ZIP areas the Census publishes for that county and 1,826 across New York. Population sits in the small-town band, typically one main street plus the addresses that feed into it. County assignment on this page follows the largest share of the ZIP's land area, which matters where a delivery route crosses a county line: mail addressed to 10523 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 10523 reports a median household income of $115,809, 22% below the $148,390 county median, and 46% above the $79,429 typical NY ZIP. Owner-occupied homes are valued at a median of $526,000, 21% below the county figure and 126% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $3,004 a month, which is why it reads higher than the advertised rent on a listing for the same unit.

New York charges 4% statewide, and local governments overlapping 10523 may add county, city or special-district levies on top. We publish the state floor for this ZIP rather than guessing a combined figure, because ZIP boundaries and taxing-district boundaries were drawn for different purposes and do not line up.

Everything above comes from the Census Bureau American Community Survey 2019-2023 ACS 5-year estimates for this ZIP Code Tabulation Area, with sales tax rates traced to the state revenue agency. Five-year estimates pool sixty months of responses, so they are stable enough to compare 10523 with its neighbours but always trail the current year, and any value the Census suppressed for sample size is shown as unpublished rather than filled in with a model.