ZIP 10963 vs ZIP 10940

This side-by-side compares ZIP 10963 (Otisville, NY) and ZIP 10940 (Middletown, NY) using the same Census ACS 5-Year table fields for both — no averages swapped in, no national proxies. ZIP 10963 has a population of 4,298 at 131 people per square mile, while ZIP 10940 has 48,418 at 288 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 10963 reports a median household income of $82,989 against $87,080 in ZIP 10940, with per-capita income of $31,807 vs $37,711. The share of adults holding a bachelor's degree or higher is 16.5% in 10963 and 23.6% in 10940. Poverty rate reads 6.4% vs 12.5%, and unemployment 1.3% vs 6.2% — 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 $346,800 in 10963 versus $336,500 in 10940, with median rent of $999 and $1,673 per month respectively. Homeownership rate is 70.4% vs 61.6%. 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.