PlainZIP

Top 10 US ZIP Codes by Median Household Income

American Community Survey data ranking the 33,000+ ZIP Code Tabulation Areas by median household income. Rendered server-side from a live SELECT joining the PlainZIP zips and zip_demographics tables.

Research period:

Compiled by Plainzip Editorial on 2026-07-08

Research question

Across the 33,000+ ZIP Code Tabulation Areas in the United States, which ZIPs report the highest median household incomes, and how do those income levels relate to the underlying population size of the ZIP area?

Per-capita income among the highest-earning ZIPs

The Census top-codes median household income at $250,001, and all ten leaders hit that ceiling, so per-capita income is what actually separates them.

per-capita income

What this shows Per-capita income divides total income by every resident, including children, so it runs lower than household income but spreads out cleanly, revealing the real gap between the wealthiest ZIPs.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

How we built this ranking

ZIPs are ranked by median household income, and the top 10 are returned. Every figure on this page is drawn directly from the current dataset (nothing is hardcoded), so when the U.S. Census Bureau publishes a new American Community Survey vintage, the ranking updates on the next page load.

One important caveat shapes this list. The ACS top-codes median household income at $250,001, meaning any ZIP whose true median is at or above that figure is reported as exactly $250,001. Every ZIP in the top 10 hits that ceiling, so the median-income ranking among them is effectively a tie. We surface per-capita income alongside it (both in the chart above and the table below) because that field is not top-coded and still distinguishes these ZIPs from one another.

Values are stored exactly as the Census Bureau exports them, preserving the original unit; we format dollars for display only. Rows with a null or suppressed value are excluded rather than shown as zero, and genuine outliers are shown as published rather than silently clipped.

This analysis is fully derived from the current dataset with no hardcoded values, so any reader can reproduce the ranking from the same public source data. See the methodology page for the full data-update process, source vintage, and field definitions.

The ranked top 10

Every row below reflects the current dataset of 10 qualifying records. Figures update automatically as the source data is refreshed.

# ZIP City State Median household income Per capita income Population
1 10004 New York NY $250,001 $146,049 3,089
2 10007 New York NY $250,001 $212,686 6,988
3 10282 New York NY $250,001 $205,317 4,783
4 10502 Ardsley NY $250,001 $103,057 5,487
5 10504 Armonk NY $250,001 $124,238 7,987
6 10506 Bedford NY $250,001 $141,676 5,790
7 10514 Chappaqua NY $250,001 $134,413 11,946
8 10518 Cross River NY $250,001 $121,644 1,268
9 10526 Goldens Bridge NY $250,001 $96,605 1,809
10 10527 Granite Springs NY $250,001 $162,481 908

Source: U.S. Census Bureau, American Community Survey 5-Year Estimates. Figures reflect the most recently published dataset and update automatically when the source agency issues a revision. U.S. Census Bureau, American Community Survey 5-Year Estimates. Figures reflect the most recently published dataset and update automatically when the source agency issues a revision.

Findings

Top entity in the ranking

The top-ranked record in this dataset is 10004, with a value of $250,001 on the Median household income column. The full top-10 set is rendered in the table above. Every value comes directly from the current dataset; no number is hardcoded into this page. When the U.S. Census Bureau publishes a revision, the ranking and the prose around it update automatically.

Distribution shape

Every ZIP in this top cut reports the same median household income, $250,001, because the Census top-codes the field at that ceiling. The distribution here is therefore not a spread but a tie: these are simply the ZIPs whose true median sits at or above the cap. To see how they actually differ, look at the per-capita income chart at the top of the page, where the same set of ZIPs fans out across a wide range. The full distribution beyond this top-10 cut is summarized in the aggregate context section below and explored in the linked entity profiles.

Aggregate context

Across the full population behind this ranking, here are the summary statistics: how many records exist in total, the sum of the ranking metric across all qualifying records, and the mean per-record value. The methodology page documents the exact filter applied (records with null or zero values on the ranking metric are excluded). This aggregate row is computed from the same dataset that powers the ranking above.

Source provenance

The records in this ranking originate from U.S. Census Bureau, specifically the American Community Survey 5-Year Estimates. PlainZIP ingests the source vintage published by the agency and keeps this page current, there is no static export carrying stale numbers, and a newly published dataset is reflected here within hours. The methodology page documents the source URL, the vintage date, and the steps applied to prepare the data.

Why this ranking matters

Rankings like this one let a reader scan a population quickly and identify outliers, concentrations, and patterns that warrant deeper investigation. The detail pages linked from each entity in the table above give the full per-entity context: time-series history where available, related metrics from adjacent tables, and links onward to the underlying source records. The methodology page explains how an entity earns inclusion in the dataset and how the ranking column is computed at the source.

What this analysis cannot tell us

ACS median household income estimates are 5-year rolling averages with margins of error that grow as ZIP population shrinks. ZIP Code Tabulation Areas with very small populations can show extreme income figures driven by a handful of high-income households; PlainZIP's ranking filters to ZIPs with at least 100 residents to reduce the most extreme noise but does not eliminate sampling variability. Per-capita income includes all residents, including children and retirees with low individual incomes, so it is systematically lower than median household income. Income figures are nominal dollars and have not been adjusted for cost of living, housing cost, or local tax burden, a high-income ZIP in a high-cost metro and a high-income ZIP in a low-cost rural area are not directly comparable in real terms.

Median household income: all ten leaders are pinned to the $250,001 Census cap

A flat row of equal bars is the point here: the ACS top-codes median household income, so every one of these ZIPs reports the identical ceiling value.

median household income

What this shows Because the median is top-coded at $250,001, this metric cannot rank the wealthiest ZIPs against each other. That is exactly why the headline chart above uses per-capita income instead.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

Related data

Sources