ZIP code 10965

ZIP 10965 is a mid-size town in Rockland County, New York, with 15,526 residents counted in the Census American Community Survey 2019-2023 ACS 5-year estimates, which places it #394 of 1,824 ranked by population — larger than 78% of them. The median age here is 39.6 years against 39.1 nationally, a slightly older 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 10965 earn a median of $136,970 a year, 74.4% 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 6.2% of residents here, less than half the 12.4% national rate.

The typical owner-occupied home in ZIP 10965 is valued at $560,200, 84.6% above the national figure, while median gross rent runs $2,036 a month, 44.8% above the national figure, or roughly $24,432 across a full year. A household on the local median income would put about 17.8% 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 4.1×, against roughly 3.9× nationally, so buying is harder here than in the average US market. 76.1% of occupied homes are owner-occupied versus 65% nationally, so the market leans toward owners. 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 10965 is tabulated inside Rockland County, New York, one of 26 ZIP areas the Census publishes for that county and 1,826 across New York. This is a mid-sized suburban ZIP inside a county that is split across many delivery areas. 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 10965 can be handled by a post office in a neighbouring county even though the tabulation area is filed here.

Against its own county, 10965 reports a median household income of $136,970, 16% above the $118,445 county median, and 72% above the $79,429 typical NY ZIP. Owner-occupied homes are valued at a median of $560,200, close to the county figure and 141% above the statewide ZIP median. Rent is reported gross — the contract amount plus tenant-paid utilities — at $2,036 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 10965 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 10965 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.