ZIP 10989 vs ZIP 10920

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