ZIP 10928 vs ZIP 10922

This side-by-side compares ZIP 10928 (Highland Falls, NY) and ZIP 10922 (Fort Montgomery, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 10928 has a population of 4,175 at 297 people per square mile, while ZIP 10922 has 1,559 at 259 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 10928 reports a median household income of $102,347 against $123,406 in ZIP 10922, with per-capita income of $49,177 vs $48,508. The share of adults holding a bachelor's degree or higher is 36.6% in 10928 and 27.5% in 10922. Poverty rate reads 6.0% vs 2.7%, and unemployment 5.1% 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 $329,200 in 10928 versus $403,900 in 10922, with median rent of $1,670 and $1,797 per month respectively. Homeownership rate is 60.6% vs 59.2%. 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.