PlainZIP

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
$142,791
Median income
$702,200
Median home value
63.4%
Bachelor's or higher

The verdict

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.

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 New York average), while per-capita income is $87,889. Local economic indicators show a 5.3% poverty rate alongside 6.7% unemployment. On housing, the median home value is $702,200 (86% above the state average) with median rent at $2,002 per month, and 65.8% of occupied units are owner-occupied.

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. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Westchester County, letting you compare 10520 to its immediate surroundings rather than a national baseline alone.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 10520?

48.7

Median Age

48.2%

Male

51.8%

Female

13.1%

Foreign-Born

White 77.7%
African American 4.1%
Asian 3.5%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.2%
Hispanic or Latino 14.2%

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

$87,889

Per Capita Income

5.3%

Poverty Rate

6.7%

Unemployment Rate

40.7 min

Mean Commute Time

How ZIP 10520 ranks nationally

Croton On Hudson, NY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$142,791 Top 5% higher than 95% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). This entry sits in this band. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 75.9%
Bachelor's Degree or Higher 63.4%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

5,553

Total Housing Units

5,058

Occupied Units

495

Vacant Units

2.37

Avg Household Size

Occupancy Type

Owner 65.8%
Renter 34.2%

$702,200

Median Home Value

+86% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 10520 ranks #4 by population - useful context the national average alone can't give.

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

ZIP 10520 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

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

More ZIP Codes in Westchester County

10701 standard
Yonkers, NY
Pop: 63,393
10801 standard
New Rochelle, NY
Pop: 40,827
10583 standard
Scarsdale, NY
Pop: 38,982
10705 standard
Yonkers, NY
Pop: 38,777
10573 standard
Port Chester, NY
Pop: 38,352
10550 standard
Mount Vernon, NY
Pop: 37,144

Related Areas

Westchester County Croton On Hudson, NY New York

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.

Read our methodology to see how this data is sourced, computed, and verified.