Elmsford, NY · standard
ZIP Code 10523
Westchester County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 7,444
- 795/sq mi High-density area
- $118,438
- Median income Above-median income area
- $588,100
- Median home value Above-median home value
- 50.0%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Elmsford pairs a top-decile household income with top-decile home values, in a low-density, mixed-tenure area.
- Top 10%
- household income, US ZIPs
- Top 10%
- home value, US ZIPs
- 795
- people per sq mi
- 52%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 10523 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 10523 (Elmsford, NY) rose +7.5% from 2023 to 2024. The all-transactions index moved from 223.8 in 2023 to 240.5 in 2024 (2000 = 100).
ZIP code 10523 is a mid-sized community (a standard USPS delivery area) in Elmsford, Westchester County, New York, home to 7,444 residents across 9.4 square miles, a density of 795 people per square mile, in the New York time zone.
ZIP 10523 skews affluent, with a median household income of $118,438 (28% above the average New York ZIP), while per-capita income is $51,968. The poverty rate is 7.2%, with unemployment at 7.2%; those measures add context to the income figure. Median home value is $588,100 (55% above the average New York ZIP) and median rent is $2,978; 51.9% of occupied homes are owner-occupied.
This is a highly-educated ZIP: 50.0% of adults hold a bachelor's degree or higher, the median age is 33.9, and the average commute is 29 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Westchester County, so 10523 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 10523
Top 5 sectors by establishment count in Elmsford, NY
Which industries have the most business establishments in ZIP 10523.
- Construction
Construction
87 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
69 establishments
- Wholesale trade
Wholesale trade
66 establishments
- Other services (except public administration)
Other services (except public administration)
60 establishments
- Retail trade
Retail trade
56 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 10523, Elmsford, 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
7,444
Population
9.4
Area (sq mi)
795
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 10523?
33.9
Median Age
47.0%
Male
53.0%
Female
34.7%
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?
$118,438
Median Household Income
+28% vs state ZIP avg
$51,968
Per Capita Income
7.2%
Poverty Rate
7.2%
Unemployment Rate
28.8 min
Mean Commute Time
How ZIP 10523 ranks among New York ZIPs
Elmsford, 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)
$118,438 Top 21% higher than 79% 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
3,606housing units
3,606
Total Housing Units
3,180
Occupied Units
426
Vacant Units
2.97
Avg Household Size
Occupancy Type
$588,100
Median Home Value
+55% vs state ZIP avg
$2,978
Median Rent
1966
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
+7.5%
YoY Change (2024)
240
HPI Index (2000 = 100)
+140%
Total Change Since 2000
Home values in ZIP 10523 have increased 7.5% over the past year (2024). Since 2000, this ZIP has seen +140% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +1.3% | 188 |
| 2021 | +5.1% | 198 |
| 2022 | +8.5% | 214 |
| 2023 | +4.4% | 224 |
| 2024 | +7.5% | 240 |
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 631 business establishments in ZIP 10523, employing approximately 11,034 people with a combined annual payroll of $749,733,000.
631
Businesses
11,034
Employees
$749.7M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 87 | 13.8% |
| Professional, scientific, and technical services | 69 | 10.9% |
| Wholesale trade | 66 | 10.5% |
| Other services (except public administration) | 60 | 9.5% |
| Retail trade | 56 | 8.9% |
| Administrative and support and waste management and remediation services | 44 | 7.0% |
| Health care and social assistance | 44 | 7.0% |
| Accommodation and food services | 42 | 6.7% |
| Transportation and warehousing | 34 | 5.4% |
| Real estate and rental and leasing | 32 | 5.1% |
| Manufacturing | 26 | 4.1% |
| Finance and insurance | 25 | 4.0% |
| Arts, entertainment, and recreation | 23 | 3.6% |
| Information | 14 | 2.2% |
| Educational services | 4 | 0.6% |
| Management of companies and enterprises | 3 | 0.5% |
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 10523 vs 10607 →
ZIP 10523 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 10591
Tarrytown (10591)
22,540 residents
- 10603
White Plains (10603)
17,045 residents
- 10530
Hartsdale (10530)
12,604 residents
- 10601
White Plains (10601)
11,376 residents
- 10604
West Harrison (10604)
11,250 residents
- 10595 8,195
Valhalla (10595)
8,195 residents
- 10523 7,444
Elmsford (10523)
7,444 residents
- 10533 7,322
Irvington (10533)
7,322 residents
- 10607 6,824
White Plains (10607)
6,824 residents
What this shows Among its immediate neighbors, ZIP 10523 ranks #7 by population - useful context the national average alone can't give.
ZIP 10523 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 10502
Ardsley (10502)
$250,000 median income
- 10533
Irvington (10533)
$174,038 median income
- 10607
White Plains (10607)
$168,603 median income
- 10532
Hawthorne (10532)
$141,157 median income
- 10595
Valhalla (10595)
$123,438 median income
- 10530
Hartsdale (10530)
$121,722 median income
- 10603
White Plains (10603)
$121,026 median income
- 10523
Elmsford (10523)
$118,438 median income
- 10604
West Harrison (10604)
$117,014 median income
What this shows By household income, ZIP 10523 ranks #8 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 10607 | White Plains, NY | 6,824 | 1.5 mi |
| 10603 | White Plains, NY | 17,045 | 2.1 mi |
| 10530 | Hartsdale, NY | 12,604 | 2.6 mi |
| 10591 | Tarrytown, NY | 22,540 | 2.2 mi |
| 10532 | Hawthorne, NY | 4,931 | 2.9 mi |
| 10533 | Irvington, NY | 7,322 | 2.4 mi |
| 10595 | Valhalla, NY | 8,195 | 2.7 mi |
| 10502 | Ardsley, NY | 5,487 | 3.6 mi |
| 10604 | West Harrison, NY | 11,250 | 4.1 mi |
| 10601 | White Plains, NY | 11,376 | 3.4 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 10523, 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 (7,444 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 10523 in?
ZIP code 10523 (Elmsford) 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 10523?
ZIP code 10523 in Elmsford, NY has a population of 7,444 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 10523?
The median household income in ZIP 10523 is $118,438, which is 55% above the national average of $76,288.
What is the average home value in ZIP 10523?
The median home value in ZIP 10523 is $588,100, which is 111% above the national average of $278,155.
What is the demographic makeup of ZIP 10523?
The largest racial group in ZIP 10523 is White at 32.8%. Hispanic or Latino residents make up 43.8% of the population.
How many businesses are in ZIP code 10523?
ZIP code 10523 has 631 business establishments employing approximately 11,034 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 10523?
The top industries by establishment count in ZIP 10523 are: Construction (87), Professional, scientific, and technical services (69), Wholesale trade (66). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 10523?
According to the FHFA House Price Index, home values in ZIP 10523 increased by 7.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 140%. 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 10523?
In ZIP code 10523, 70.0% of residents aged 25+ have a high school diploma or higher, and 50.0% 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 10523?
The mean commute time for workers in ZIP code 10523 is 28.8 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 10523?
In ZIP code 10523, approximately 51.9% of occupied housing units are owner-occupied and 48.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 10523?
The poverty rate in ZIP code 10523 is 7.2% 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 10523's numbers, next.
- See how ZIP 10523 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Elmsford, NY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.