ZIP code 10576

ZIP 10576 is a small town in Westchester County, New York, with 4,904 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #732 of 1,824 ranked by population — larger than 59% of them. The median age here is 51.8 years against 39.1 nationally, a markedly older profile that usually tracks retirees staying put and younger households leaving for work. At this population the ACS sample is small, so the margin of error around every dollar figure below is wide — treat the numbers as a band, not a point, and expect them to move between annual releases without the place itself changing.

Households in ZIP 10576 earn a median of $227,344 a year, 189.5% above the national figure of $78,538. This figure covers the household, not the worker: two people on ordinary wages at one address outrank a single professional in the same table. Poverty reaches 4.3% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 10576 is valued at $1,014,900, 234.5% above the national figure, while median gross rent runs $3,501 a month, 149% above the national figure, or roughly $42,012 across a full year. A household on the local median income would put about 18.5% of gross pay toward that rent against the federal 30% cost-burden threshold, so renting here is cheap relative to what people here earn. 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. 93.5% of occupied homes are owner-occupied versus 65% nationally, an owner-dominated market where rental listings are scarce and rent medians rest on a thin sample. The rent line includes utilities paid by the tenant, a definition worth remembering when comparing it against a landlord's quoted rate.

A median age of 51.8 puts ZIP 10576 well into retirement-weighted territory, which pulls median household income down even where household wealth is high, because retirement draws are counted differently from wages.

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 10576 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 10576 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 10576 reports a median household income of $227,344, 53% above the $148,390 county median, and 186% above the $79,429 typical NY ZIP. Owner-occupied homes are valued at a median of $1,014,900, 52% above the county figure and 336% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $3,501 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 10576 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 10576 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.