PlainZIP

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
$118,438
Median income
$588,100
Median home value
50.0%
Bachelor's or higher

The verdict

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.

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 New York average), while per-capita income is $51,968. 7.2% of residents live below the poverty line, and the unemployment rate reads 7.2%. On housing, the median home value is $588,100 (55% above the state average) with median rent at $2,978 per month, and 51.9% of occupied units 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. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Westchester County, letting you compare 10523 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 10523

Top 5 sectors by establishment count in Elmsford, NY

Which industries have the most business establishments in ZIP 10523.

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 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

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 10523?

33.9

Median Age

47.0%

Male

53.0%

Female

34.7%

Foreign-Born

White 32.8%
African American 17.7%
Asian 10.7%
American Indian or Alaska Native 1.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 15.2%
Hispanic or Latino 43.8%

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

$51,968

Per Capita Income

7.2%

Poverty Rate

7.2%

Unemployment Rate

28.8 min

Mean Commute Time

How ZIP 10523 ranks nationally

Elmsford, NY household income vs. every US ZIP code

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

$118,438 Top 10% higher than 90% 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%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $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 70.0%
Bachelor's Degree or Higher 50.0%

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

What does housing look like?

3,606

Total Housing Units

3,180

Occupied Units

426

Vacant Units

2.97

Avg Household Size

Occupancy Type

Owner 51.9%
Renter 48.1%

$588,100

Median Home Value

+55% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 10523 ranks #7 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 10523 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 10523 ranks #8 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
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

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 Elmsford, NY New York

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.

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