ZIP Code 10523
standardSource:
Elmsford · Westchester County · New York
- Population
- 7,444
- Median income
- $118,438
- Median home value
- $588,100
- Bachelor's or higher
- 50.0%
- Land area
- 9.4 sq mi
795/sq mi
▲ 55% vs US
higher than 90% of US ZIPs
▲ 111% vs US
higher than 90% of US ZIPs
Median age 33.9
New York
ZIP code 10523 in Elmsford, New York has a population of 7,444. The median household income is $118,438, which is 55% above the national average. Median home value is $588,100, 111% above the US average. 50.0% of residents hold a bachelor's degree or higher.
ZIP code 10523 is classified by USPS as a standard delivery area and covers roughly 9.4 square miles in Elmsford, Westchester County, New York. The area is home to 7,444 residents, producing a population density of 795 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 10523 against New York and the nation.
On the economic side, the median household income for ZIP 10523 sits at $118,438 (28% above the New York average), while per-capita income is $51,968. The poverty rate stands at 7.2% and the unemployment rate at 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, a direct signal of whether 10523 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 50.0% of adults hold a bachelor's degree or higher, the median age is 33.9, and the average commute is 29 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Westchester County, so you can benchmark 10523 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Top industries in ZIP 10523
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$51,968
Per Capita Income
7.2%
Poverty Rate
7.2%
Unemployment Rate
28.8 min
Mean Commute Time
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?
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
$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 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
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Frequently Asked Questions
What county is ZIP code 10523 in? ▼
What is the population of ZIP code 10523? ▼
What is the median household income in ZIP 10523? ▼
What is the average home value in ZIP 10523? ▼
What is the demographic makeup of ZIP 10523? ▼
How many businesses are in ZIP code 10523? ▼
What are the main industries in ZIP code 10523? ▼
How have home values changed in ZIP code 10523? ▼
What is the education level in ZIP code 10523? ▼
What is the average commute time in ZIP 10523? ▼
What percentage of residents own vs. rent in ZIP 10523? ▼
What is the poverty rate in ZIP code 10523? ▼
ZIP Code Research Guides
Official Data Resources for Elmsford, NY
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.