ZIP 10920 vs ZIP 10989

This side-by-side compares ZIP 10920 (Congers, NY) and ZIP 10989 (Valley Cottage, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 10920 has a population of 8,554 at 791 people per square mile, while ZIP 10989 has 9,293 at 728 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 10920 reports a median household income of $145,567 against $134,267 in ZIP 10989, with per-capita income of $63,111 vs $64,717. The share of adults holding a bachelor's degree or higher is 56.5% in 10920 and 58.2% in 10989. Poverty rate reads 5.8% vs 2.8%, and unemployment 3.7% vs 9.2% — 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 $582,800 in 10920 versus $549,700 in 10989, with median rent of $2,239 and $2,065 per month respectively. Homeownership rate is 90.0% vs 89.4%. 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.