ZIP Code 10538
standardSource:
Larchmont · Westchester County · New York
- Population
- 16,597
- Median income
- $207,969
- Median home value
- $1,266,600
- Bachelor's or higher
- 82.5%
- Land area
- 9.3 sq mi
1,783/sq mi
▲ 173% vs US
higher than 99% of US ZIPs
▲ 355% vs US
higher than 99% of US ZIPs
Median age 41.1
New York
ZIP code 10538 in Larchmont, New York has a population of 16,597. The median household income is $207,969, which is 173% above the national average. Median home value is $1,266,600, 355% above the US average. 82.5% of residents hold a bachelor's degree or higher.
ZIP code 10538 is classified by USPS as a standard delivery area and covers roughly 9.3 square miles in Larchmont, Westchester County, New York. The area is home to 16,597 residents, producing a population density of 1,783 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 10538 against New York and the nation.
On the economic side, the median household income for ZIP 10538 sits at $207,969 (125% above the New York average), while per-capita income is $147,287. The poverty rate stands at 3.0% and the unemployment rate at 6.1%. On housing, the median home value is $1,266,600 (235% above the state average) with median rent at $2,236 per month, and 78.3% of occupied units are owner-occupied, a direct signal of whether 10538 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 82.5% of adults hold a bachelor's degree or higher, the median age is 41.1, and the average commute is 39 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Westchester County, so you can benchmark 10538 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 10538
Top 5 sectors by establishment count
Which industries have the most business establishments in ZIP 10538.
- Professional, scientific, and technical services
Professional, scientific, and technical services
111 establishments
- Retail trade
Retail trade
77 establishments
- Other services (except public administration)
Other services (except public administration)
75 establishments
- Accommodation and food services
Accommodation and food services
57 establishments
- Health care and social assistance
Health care and social assistance
55 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 10538, Larchmont, 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
16,597
Population
9.3
Area (sq mi)
1,783
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 10538?
41.1
Median Age
48.4%
Male
51.6%
Female
14.3%
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?
$207,969
Median Household Income
+125% vs state
$147,287
Per Capita Income
3.0%
Poverty Rate
6.1%
Unemployment Rate
39.0 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?
7,070
Total Housing Units
6,743
Occupied Units
327
Vacant Units
2.63
Avg Household Size
Occupancy Type
$1,266,600
Median Home Value
+235% vs state
$2,236
Median Rent
1938
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
+0.9%
YoY Change (2024)
258
HPI Index (2000 = 100)
+158%
Total Change Since 2000
Home values in ZIP 10538 have increased 0.9% over the past year (2024). Since 2000, this ZIP has seen +158% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +0.3% | 203 |
| 2021 | +9.7% | 222 |
| 2022 | +3.6% | 231 |
| 2023 | +11.0% | 256 |
| 2024 | +0.9% | 258 |
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 10538, employing approximately 4,138 people with a combined annual payroll of $310,327,000.
631
Businesses
4,138
Employees
$310.3M
Annual Payroll
16
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 111 | 17.6% |
| Retail trade | 77 | 12.2% |
| Other services (except public administration) | 75 | 11.9% |
| Accommodation and food services | 57 | 9.0% |
| Health care and social assistance | 55 | 8.7% |
| Real estate and rental and leasing | 52 | 8.2% |
| Finance and insurance | 46 | 7.3% |
| Construction | 37 | 5.9% |
| Administrative and support and waste management and remediation services | 25 | 4.0% |
| Arts, entertainment, and recreation | 23 | 3.6% |
| Wholesale trade | 22 | 3.5% |
| Educational services | 20 | 3.2% |
| Information | 13 | 2.1% |
| Manufacturing | 8 | 1.3% |
| Transportation and warehousing | 7 | 1.1% |
| 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 10538 vs 10543 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 10543 | Mamaroneck, NY | 20,135 | 1.5 mi |
| 10804 | New Rochelle, NY | 14,146 | 1.7 mi |
| 10801 | New Rochelle, NY | 40,827 | 2.0 mi |
| 10805 | New Rochelle, NY | 18,414 | 3.1 mi |
| 10709 | Eastchester, NY | 9,292 | 3.0 mi |
| 10528 | Harrison, NY | 12,280 | 3.3 mi |
| 10708 | Bronxville, NY | 21,225 | 3.9 mi |
| 10605 | White Plains, NY | 18,126 | 5.0 mi |
| 10552 | Mount Vernon, NY | 19,786 | 3.7 mi |
| 10803 | Pelham, NY | 12,435 | 3.7 mi |
More ZIP Codes in Westchester County
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Frequently Asked Questions
What county is ZIP code 10538 in? ▼
What is the population of ZIP code 10538? ▼
What is the median household income in ZIP 10538? ▼
What is the average home value in ZIP 10538? ▼
What is the demographic makeup of ZIP 10538? ▼
How many businesses are in ZIP code 10538? ▼
What are the main industries in ZIP code 10538? ▼
How have home values changed in ZIP code 10538? ▼
What is the education level in ZIP code 10538? ▼
What is the average commute time in ZIP 10538? ▼
What percentage of residents own vs. rent in ZIP 10538? ▼
What is the poverty rate in ZIP code 10538? ▼
ZIP Code Research Guides
Official Data Resources for Larchmont, 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.