Croton On Hudson, NY · standard
ZIP Code 10520
Westchester County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 12,810
- 359/sq mi High-density area
- $142,791
- Median income Above-median income area
- $702,200
- Median home value Above-median home value
- 63.4%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Croton On Hudson pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.
- Top 5%
- household income, US ZIPs
- Top 6%
- home value, US ZIPs
- 359
- people per sq mi
- 66%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 10520 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 10520 (Croton On Hudson, NY) rose +13.6% from 2023 to 2024. The all-transactions index moved from 228.4 in 2023 to 259.4 in 2024 (2000 = 100).
ZIP code 10520 is a mid-sized community (a standard USPS delivery area) in Croton On Hudson, Westchester County, New York, home to 12,810 residents across 35.7 square miles, a density of 359 people per square mile, in the New York time zone.
ZIP 10520 skews affluent, with a median household income of $142,791 (54% above the average New York ZIP), while per-capita income is $87,889. The poverty rate is 5.3%, with unemployment at 6.7%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $702,200 (86% above the average New York ZIP), while 65.8% of occupied homes are owner-occupied and median rent is $2,002.
This is a highly-educated ZIP: 63.4% of adults hold a bachelor's degree or higher, the median age is 48.7, and the average commute is 41 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Westchester County, so 10520 can be compared with both its immediate and county-level context.
Every figure on this page is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates (including median rent) and the FHFA House Price Index, no estimates, no proprietary scoring. Verify with Census →
Top industries in ZIP 10520
Top 5 sectors by establishment count in Croton On Hudson, NY
Which industries have the most business establishments in ZIP 10520.
- Professional, scientific, and technical services
Professional, scientific, and technical services
63 establishments
- Construction
Construction
58 establishments
- Accommodation and food services
Accommodation and food services
47 establishments
- Other services (except public administration)
Other services (except public administration)
46 establishments
- Retail trade
Retail trade
39 establishments
What this shows Establishment counts come from the Census ZIP Code Business Patterns program, which counts physical business locations rather than employees or revenue.
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 10520, Croton On Hudson, NY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; FHFA HPI updated quarterly/annually.
Quick Facts
12,810
Population
35.7
Area (sq mi)
359
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 10520?
48.7
Median Age
48.2%
Male
51.8%
Female
13.1%
Foreign-Born
Hispanic or Latino is an ethnicity category from the Census Bureau and may overlap with other categories above.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How much do residents earn?
$142,791
Median Household Income
+54% vs state ZIP avg
$87,889
Per Capita Income
5.3%
Poverty Rate
6.7%
Unemployment Rate
40.7 min
Mean Commute Time
How ZIP 10520 ranks among New York ZIPs
Croton On Hudson, NY household income vs. every New York ZIP code
Median household income among 1,626 reporting New York ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$142,791 Top 11% higher than 89% of 1,626 New York ZIPs
Each bar is a $20K-wide band; taller bars hold more New York ZIPs. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.
Source U.S. Census Bureau, ACS 5-Year Estimates · 2019–2023
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What is the education profile here?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
5,553housing units
5,553
Total Housing Units
5,058
Occupied Units
495
Vacant Units
2.37
Avg Household Size
Occupancy Type
$702,200
Median Home Value
+86% vs state ZIP avg
$2,002
Median Rent
1960
Median Year Built
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
How have home values changed over time?
FHFA House Price Index, annual appreciation data based on repeat sales and appraisals
+13.6%
YoY Change (2024)
259
HPI Index (2000 = 100)
+159%
Total Change Since 2000
Home values in ZIP 10520 have increased 13.6% over the past year (2024). Since 2000, this ZIP has seen +159% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +3.5% | 173 |
| 2021 | +6.2% | 184 |
| 2022 | +10.1% | 203 |
| 2023 | +12.7% | 228 |
| 2024 | +13.6% | 259 |
Source: Federal Housing Finance Agency (FHFA) House Price Index, All-Transactions, Five-Digit ZIP Codes (Developmental Index). Index base = 100 in year 2000. Data through 2024. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 412 business establishments in ZIP 10520, employing approximately 3,020 people with a combined annual payroll of $151,728,000.
412
Businesses
3,020
Employees
$151.7M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 63 | 15.3% |
| Construction | 58 | 14.1% |
| Accommodation and food services | 47 | 11.4% |
| Other services (except public administration) | 46 | 11.2% |
| Retail trade | 39 | 9.5% |
| Health care and social assistance | 37 | 9.0% |
| Administrative and support and waste management and remediation services | 28 | 6.8% |
| Real estate and rental and leasing | 20 | 4.8% |
| Finance and insurance | 14 | 3.4% |
| Educational services | 14 | 3.4% |
| Arts, entertainment, and recreation | 14 | 3.4% |
| Information | 13 | 3.2% |
| Wholesale trade | 7 | 1.7% |
| Manufacturing | 5 | 1.2% |
| Transportation and warehousing | 3 | 0.7% |
Source: U.S. Census Bureau, ZIP Code Business Patterns (ZBP), 2023. Employment figures may include noise for disclosure avoidance.
Nearby ZIP Codes
Want a side-by-side? Compare 10520 vs 10562 →
ZIP 10520 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 10562
Ossining (10562)
31,796 residents
- 10566
Peekskill (10566)
23,570 residents
- 10567
Cortlandt Manor (10567)
19,929 residents
- 10520
Croton On Hudson (10520)
12,810 residents
- 10547 7,647
Mohegan Lake (10547)
7,647 residents
- 10993 4,769
West Haverstraw (10993)
4,769 residents
- 10548 3,487
Montrose (10548)
3,487 residents
- 10511 2,246
Buchanan (10511)
2,246 residents
- 10546 1,277
Millwood (10546)
1,277 residents
What this shows Among its immediate neighbors, ZIP 10520 ranks #4 by population - useful context the national average alone can't give.
ZIP 10520 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 10546
Millwood (10546)
$206,750 median income
- 10547
Mohegan Lake (10547)
$162,605 median income
- 10567
Cortlandt Manor (10567)
$144,194 median income
- 10520
Croton On Hudson (10520)
$142,791 median income
- 10548
Montrose (10548)
$142,273 median income
- 10511
Buchanan (10511)
$128,218 median income
- 10517
Crompond (10517)
$117,009 median income
- 10562
Ossining (10562)
$115,697 median income
- 10566
Peekskill (10566)
$85,954 median income
What this shows By household income, ZIP 10520 ranks #4 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 10562 | Ossining, NY | 31,796 | 2.9 mi |
| 10545 | Maryknoll, NY | 141 | 3.5 mi |
| 10517 | Crompond, NY | 539 | 5.4 mi |
| 10548 | Montrose, NY | 3,487 | 3.8 mi |
| 10567 | Cortlandt Manor, NY | 19,929 | 4.9 mi |
| 10546 | Millwood, NY | 1,277 | 4.1 mi |
| 10993 | West Haverstraw, NY | 4,769 | 5.5 mi |
| 10511 | Buchanan, NY | 2,246 | 4.8 mi |
| 10566 | Peekskill, NY | 23,570 | 5.3 mi |
| 10547 | Mohegan Lake, NY | 7,647 | 6.4 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 10520, both outside NY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (12,810 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Westchester County
Related Areas
Frequently Asked Questions
What county is ZIP code 10520 in?
ZIP code 10520 (Croton On Hudson) is located in Westchester County, New York. Westchester County contains multiple ZIP codes, see the full list at /counties/westchester-ny.
What is the population of ZIP code 10520?
ZIP code 10520 in Croton On Hudson, NY has a population of 12,810 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 10520?
The median household income in ZIP 10520 is $142,791, which is 87% above the national average of $76,288.
What is the average home value in ZIP 10520?
The median home value in ZIP 10520 is $702,200, which is 152% above the national average of $278,155.
What is the demographic makeup of ZIP 10520?
The largest racial group in ZIP 10520 is White at 77.7%. Hispanic or Latino residents make up 14.2% of the population.
How many businesses are in ZIP code 10520?
ZIP code 10520 has 412 business establishments employing approximately 3,020 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 10520?
The top industries by establishment count in ZIP 10520 are: Professional, scientific, and technical services (63), Construction (58), Accommodation and food services (47). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 10520?
According to the FHFA House Price Index, home values in ZIP 10520 increased by 13.6% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 159%. This is a developmental index based on repeat sales and appraisal data from Fannie Mae and Freddie Mac.
What is the education level in ZIP code 10520?
In ZIP code 10520, 75.9% of residents aged 25+ have a high school diploma or higher, and 63.4% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What is the average commute time in ZIP 10520?
The mean commute time for workers in ZIP code 10520 is 40.7 minutes according to Census ACS data. The national average is roughly 26 minutes, so commuters here spend more time traveling to work than typical.
What percentage of residents own vs. rent in ZIP 10520?
In ZIP code 10520, approximately 65.8% of occupied housing units are owner-occupied and 34.2% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 10520?
The poverty rate in ZIP code 10520 is 5.3% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 10520's numbers, next.
- See how ZIP 10520 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Croton On Hudson, NY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.