Residential delivery area · New York
ZIP Code 10538: Larchmont, NY
ZIP code 10538 uses the postal name Larchmont, New York and lies entirely in Westchester County (Census 2020 ZIP-county file). About 18,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $207,969 (Census Bureau, ACS 2020-2024). By Census place, 31% of its land lies in Larchmont, and 5% in smaller places; 64% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Larchmont · its only residential ZIP
- County
- Westchester County
- Census places
- Larchmont
- Metro area
- New York-Newark-Jersey City, NY-NJ
- House district
- NY-16 119th Congress
- State
- New York
- Time zone
- Eastern
- Land area
- 3.5 sq mi · 5,054 people per sq mi
Where is ZIP code 10538?
10538 centers on 40.938°, -73.756° and covers 3.5 square miles of land plus 0.0 of water. It borders 4 ZIP codes: 10543, 10804, 10801, 10583.
The map draws ZIP code areas only. For the streets inside 10538, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 10538 compare with the rest of Westchester County?
| Measure | 10538 | In Westchester County | In NY |
|---|---|---|---|
| People (ACS 2020-2024) | 17,760 | 23rd of 77 | 361st of 1,826 |
| Median household income | $208k | 15th of 61 | 25th of 1,081 |
| Median home value | $1.27M | 2nd of 65 | 27th of 1,172 |
Its median household income is higher than in 99% of U.S. residential ZIP codes, and it is denser than 94% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 10538?
The 2020 Census counted 18,318 people in 10538; the ACS, which samples households over 2020-2024, estimates 17,760. Between the 2010 and 2020 censuses its population grew 10.4% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 17,760
- 2020 Census count
- 18,318+10.4% since 2010 (16,597)
- Households
- 6,743
- Median age
- 41.1
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 10538?
Of the 17,760 people the ACS estimates in 10538, 27.1% are under 18 and 15.0% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (80.4%).
- Under 1827.1%
- 18 to 6457.9%
- 65 and older15.0%
- White, not Hispanic80.4%
- Hispanic or Latino7.5%
- Other or two or more5.2%
- Black, not Hispanic3.9%
- Asian, not Hispanic3.0%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 10538 earn?
Median household income is $207,969 (ACS 2020-2024), the 15th highest of the 61 ranked ZIP codes in Westchester County. It is not measurably different from 2015-2019 ($241,648 in 2024 dollars): the change is within the surveys' margins of error.
By IRS adjusted gross income per tax return ($568,407, 2022), 10538 ranks 75th in the U.S. among ZIP codes of 1,000+ people with 200+ returns and at most 1.5 returns per household (see the ranking).
- Median household income
- $207,969±$47,501
- Income per person
- $147,287
- Below the poverty line
- 3.0%
- Unemployed (of the labor force)
- 6.1%
- Adults 25+ with a bachelor's degree
- 82.5%
- Adjusted gross income per tax return, 2022
- $568,4078,260 returns; wages 52% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 10538?
FHFA's house price index for 10538, built from repeat sales and appraisals of the same homes, rose 60% from 2015 to 2025 and rose 45% from 2020 to 2025, and moved +18.2% in 2025.
- Median home value (owners' estimate)
- $1,266,600
- Median gross rent
- $2,236
- Homes owned by their occupants
- 78.3%
- Housing units
- 7,070
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 10538?
631 business establishments had a location in this ZIP code in 2023, 13 fewer than in 2018; the most are in professional, scientific, and technical services (ZIP Code Business Patterns).
- Professional, scientific, and technical services111
- Retail trade77
- Other services (except public administration)75
- Accommodation and food services57
- Health care and social assistance55
- Real estate and rental and leasing52
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 10538?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 10543 | Mamaroneck | 20,989 | $126k | 1.5 mi |
| 10804 | New Rochelle | 16,108 | $250k+ | 1.8 mi |
| 10801 | New Rochelle | 42,754 | $86k | 2.0 mi |
| 10583 | Scarsdale | 40,207 | $250k+ | 3.9 mi |
| 10709 | Eastchester | 10,352 | $170k | 2.9 mi (near) |
| 10528 | Harrison | 14,091 | $154k | 3.1 mi (near) |
| 10805 | New Rochelle | 20,903 | $102k | 3.6 mi (near) |
| 10803 | Pelham | 13,072 | $215k | 3.7 mi (near) |
| 10552 | Mount Vernon | 22,341 | $97k | 3.7 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.