ZIP 10940 vs ZIP 10932

This side-by-side compares ZIP 10940 (Middletown, NY) and ZIP 10932 (Howells, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 10940 has a population of 48,418 at 288 people per square mile, while ZIP 10932 has 60 at 155 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 10940 reports a median household income of $87,080 against — in ZIP 10932, with per-capita income of $37,711 vs —. The share of adults holding a bachelor's degree or higher is 23.6% in 10940 and 0.0% in 10932. Poverty rate reads 12.5% vs 0.0%, and unemployment 6.2% 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 $336,500 in 10940 versus — in 10932, with median rent of $1,673 and — per month respectively. Homeownership rate is 61.6% vs 100.0%. 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.