ZIP 10514 vs ZIP 10546

This side-by-side compares ZIP 10514 (Chappaqua, NY) and ZIP 10546 (Millwood, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 10514 has a population of 11,946 at 360 people per square mile, while ZIP 10546 has 1,277 at 439 per square mile. That difference in population size and density alone reshapes how every other metric should be interpreted — a higher-income ZIP with 1,200 residents behaves very differently from one with 45,000.

On income and education, ZIP 10514 reports a median household income of $250,001 against $206,750 in ZIP 10546, with per-capita income of $134,413 vs $88,933. The share of adults holding a bachelor's degree or higher is 84.4% in 10514 and 83.9% in 10546. Poverty rate reads 3.2% vs 3.9%, and unemployment 6.0% vs 0.0% — these four fields alone drive most of the difference in the scorecard grades you will see for each ZIP.

Housing separates these two ZIPs further: median home value sits at $1,124,300 in 10514 versus $871,000 in 10546, with median rent of $2,667 and $3,501 per month respectively. Homeownership rate is 87.3% vs 81.3%. When reading the comparison table below, focus on paired metrics rather than single winners — a ZIP with lower home values and lower income is not strictly "worse" if rent-to-income ratios and commute times land in the same zone. Every value is pulled from the exact same ACS table so the two columns are genuinely comparable.