Garrison, NY · standard
ZIP Code 10524
Putnam County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,421
- 82/sq mi Moderate-density area
- $146,250
- Median income Above-median income area
- $560,600
- Median home value Above-median home value
- 59.5%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Garrison pairs a top-decile household income with upper-quartile home values, in a rural, homeowner-dominated area.
- Top 4%
- household income, US ZIPs
- Top 11%
- home value, US ZIPs
- 82
- people per sq mi
- 86%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 10524 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 10524 (Garrison, NY) rose +28.9% from 2023 to 2024. The all-transactions index moved from 218.0 in 2023 to 281.1 in 2024 (2000 = 100).
ZIP code 10524 covers 53.8 square miles in Garrison, Putnam County, New York (a standard USPS delivery area), with a modest 4,421 residents on file, a density of 82 people per square mile, in the New York time zone.
ZIP 10524 skews affluent, with a median household income of $146,250 (58% above the average New York ZIP), while per-capita income is $64,782. The poverty rate is 7.5%, with unemployment at 5.2%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $560,600 (48% above the average New York ZIP), while 85.9% of occupied homes are owner-occupied and median rent is $2,457.
This is a highly-educated ZIP: 59.5% of adults hold a bachelor's degree or higher, the median age is 49.8, and the average commute is 38 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Putnam County, so 10524 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 10524
Top 5 sectors by establishment count in Garrison, NY
Which industries have the most business establishments in ZIP 10524.
- Construction
Construction
20 establishments
- Professional, scientific, and technical services
Professional, scientific, and technical services
18 establishments
- Arts, entertainment, and recreation
Arts, entertainment, and recreation
13 establishments
- Health care and social assistance
Health care and social assistance
11 establishments
- Accommodation and food services
Accommodation and food services
9 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 10524, Garrison, 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
4,421
Population
53.8
Area (sq mi)
82
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 10524?
49.8
Median Age
50.0%
Male
50.0%
Female
8.8%
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?
$146,250
Median Household Income
+58% vs state ZIP avg
$64,782
Per Capita Income
7.5%
Poverty Rate
5.2%
Unemployment Rate
37.5 min
Mean Commute Time
How ZIP 10524 ranks among New York ZIPs
Garrison, 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)
$146,250 Top 10% higher than 90% 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
1,860housing units
1,860
Total Housing Units
1,679
Occupied Units
181
Vacant Units
2.54
Avg Household Size
Occupancy Type
$560,600
Median Home Value
+48% vs state ZIP avg
$2,457
Median Rent
1961
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
+28.9%
YoY Change (2024)
281
HPI Index (2000 = 100)
+181%
Total Change Since 2000
Home values in ZIP 10524 have increased 28.9% over the past year (2024). Since 2000, this ZIP has seen +181% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +10.0% | 191 |
| 2021 | +5.8% | 202 |
| 2022 | +18.7% | 239 |
| 2023 | -8.9% | 218 |
| 2024 | +28.9% | 281 |
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 106 business establishments in ZIP 10524, employing approximately 738 people with a combined annual payroll of $49,046,000.
106
Businesses
738
Employees
$49.0M
Annual Payroll
11
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 20 | 18.9% |
| Professional, scientific, and technical services | 18 | 17.0% |
| Arts, entertainment, and recreation | 13 | 12.3% |
| Health care and social assistance | 11 | 10.4% |
| Accommodation and food services | 9 | 8.5% |
| Other services (except public administration) | 7 | 6.6% |
| Retail trade | 6 | 5.7% |
| Administrative and support and waste management and remediation services | 6 | 5.7% |
| Wholesale trade | 4 | 3.8% |
| Information | 4 | 3.8% |
| Real estate and rental and leasing | 3 | 2.8% |
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 10524 vs 10537 →
ZIP 10524 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 10566
Peekskill (10566)
23,570 residents
- 10567
Cortlandt Manor (10567)
19,929 residents
- 10579 8,675
Putnam Valley (10579)
8,675 residents
- 10996 6,756
West Point (10996)
6,756 residents
- 10516 5,289
Cold Spring (10516)
5,289 residents
- 10524 4,421
Garrison (10524)
4,421 residents
- 10928 4,175
Highland Falls (10928)
4,175 residents
- 10537 2,416
Lake Peekskill (10537)
2,416 residents
- 10511 2,246
Buchanan (10511)
2,246 residents
What this shows Among its immediate neighbors, ZIP 10524 ranks #6 by population - useful context the national average alone can't give.
ZIP 10524 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 10524
Garrison (10524)
$146,250 median income
- 10567
Cortlandt Manor (10567)
$144,194 median income
- 10516
Cold Spring (10516)
$140,225 median income
- 10996
West Point (10996)
$135,333 median income
- 10579
Putnam Valley (10579)
$132,500 median income
- 10537
Lake Peekskill (10537)
$132,117 median income
- 10511
Buchanan (10511)
$128,218 median income
- 10922
Fort Montgomery (10922)
$123,406 median income
- 10517
Crompond (10517)
$117,009 median income
What this shows By household income, ZIP 10524 ranks the highest of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 10537 | Lake Peekskill, NY | 2,416 | 3.0 mi |
| 10996 | West Point, NY | 6,756 | 2.9 mi |
| 10566 | Peekskill, NY | 23,570 | 5.6 mi |
| 10928 | Highland Falls, NY | 4,175 | 4.1 mi |
| 10516 | Cold Spring, NY | 5,289 | 5.8 mi |
| 10567 | Cortlandt Manor, NY | 19,929 | 5.8 mi |
| 10579 | Putnam Valley, NY | 8,675 | 4.7 mi |
| 10922 | Fort Montgomery, NY | 1,559 | 4.6 mi |
| 10511 | Buchanan, NY | 2,246 | 7.5 mi |
| 10517 | Crompond, NY | 539 | 5.9 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 10524, 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 (4,421 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Putnam County
Related Areas
Frequently Asked Questions
What county is ZIP code 10524 in?
ZIP code 10524 (Garrison) is located in Putnam County, New York. Putnam County contains multiple ZIP codes, see the full list at /counties/putnam-ny.
What is the population of ZIP code 10524?
ZIP code 10524 in Garrison, NY has a population of 4,421 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 10524?
The median household income in ZIP 10524 is $146,250, which is 92% above the national average of $76,288.
What is the average home value in ZIP 10524?
The median home value in ZIP 10524 is $560,600, which is 102% above the national average of $278,155.
What is the demographic makeup of ZIP 10524?
The largest racial group in ZIP 10524 is White at 81.1%. Hispanic or Latino residents make up 12.5% of the population.
How many businesses are in ZIP code 10524?
ZIP code 10524 has 106 business establishments employing approximately 738 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 10524?
The top industries by establishment count in ZIP 10524 are: Construction (20), Professional, scientific, and technical services (18), Arts, entertainment, and recreation (13). There are 11 industry sectors represented in total.
How have home values changed in ZIP code 10524?
According to the FHFA House Price Index, home values in ZIP 10524 increased by 28.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 181%. 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 10524?
In ZIP code 10524, 79.0% of residents aged 25+ have a high school diploma or higher, and 59.5% 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 10524?
The mean commute time for workers in ZIP code 10524 is 37.5 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 10524?
In ZIP code 10524, approximately 85.9% of occupied housing units are owner-occupied and 14.1% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 10524?
The poverty rate in ZIP code 10524 is 7.5% 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 10524's numbers, next.
- See how ZIP 10524 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Garrison, 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.