PlainZIP

Larchmont, NY · standard

ZIP Code 10538

Westchester County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

16,597
1,783/sq mi
$207,969
Median income
$1,266,600
Median home value
82.5%
Bachelor's or higher

The verdict

Larchmont pairs a top-decile household income with top-decile home values, in a low-density, homeowner-dominated area.

Top 1%
household income, US ZIPs
Top 1%
home value, US ZIPs
1,783
people per sq mi
78%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 10538 against every reporting US ZIP.

ZIP code 10538 is a mid-sized community (a standard USPS delivery area) in Larchmont, Westchester County, New York, home to 16,597 residents across 9.3 square miles, a density of 1,783 people per square mile, in the New York time zone.

ZIP 10538 skews affluent, with a median household income of $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%. The typical home here is valued at $1,266,600 (235% above the state average); renters pay a median of $2,236 monthly, and 78.3% of units are owner-occupied.

This is a highly-educated ZIP: 82.5% of adults hold a bachelor's degree or higher, the median age is 41.1, and the average commute is 39 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 10538 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 10538

Top 5 sectors by establishment count in Larchmont, NY

Which industries have the most business establishments in ZIP 10538.

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 10538, Larchmont, 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

16,597

Population

9.3

Area (sq mi)

1,783

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 10538?

41.1

Median Age

48.4%

Male

51.6%

Female

14.3%

Foreign-Born

White 81.2%
African American 3.9%
Asian 3.0%
American Indian or Alaska Native 0.2%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 9.8%
Hispanic or Latino 7.5%

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

How ZIP 10538 ranks nationally

Larchmont, NY household income vs. every US ZIP code

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

$207,969 Top 1% higher than 99% 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%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). Below this entry. $140,000–$160,000: 686 US ZIPs (2%). Below this entry. $160,000–$180,000: 364 US ZIPs (1%). Below this entry. $180,000–$200,000: 186 US ZIPs (1%). Below this entry. $200,000–$220,000: 324 US ZIPs (1%). This entry sits in this band. 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 89.8%
Bachelor's Degree or Higher 82.5%

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

Owner 78.3%
Renter 21.7%

$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 10538 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 10538 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 10538 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 10538 ranks #3 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
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

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 Larchmont, NY New York

Frequently Asked Questions

What county is ZIP code 10538 in? ▼
ZIP code 10538 (Larchmont) 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 10538? ▼
ZIP code 10538 in Larchmont, NY has a population of 16,597 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 10538? ▼
The median household income in ZIP 10538 is $207,969, which is 173% above the national average of $76,288.
What is the average home value in ZIP 10538? ▼
The median home value in ZIP 10538 is $1,266,600, which is 355% above the national average of $278,155.
What is the demographic makeup of ZIP 10538? ▼
The largest racial group in ZIP 10538 is White at 81.2%. Hispanic or Latino residents make up 7.5% of the population.
How many businesses are in ZIP code 10538? ▼
ZIP code 10538 has 631 business establishments employing approximately 4,138 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 10538? ▼
The top industries by establishment count in ZIP 10538 are: Professional, scientific, and technical services (111), Retail trade (77), Other services (except public administration) (75). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 10538? ▼
According to the FHFA House Price Index, home values in ZIP 10538 increased by 0.9% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 158%. 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 10538? ▼
In ZIP code 10538, 89.8% of residents aged 25+ have a high school diploma or higher, and 82.5% 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 10538? ▼
The mean commute time for workers in ZIP code 10538 is 39.0 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 10538? ▼
In ZIP code 10538, approximately 78.3% of occupied housing units are owner-occupied and 21.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 10538? ▼
The poverty rate in ZIP code 10538 is 3.0% 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.