PlainZIP

Millwood, NY · standard

ZIP Code 10546

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

1,277
439/sq mi
$206,750
Median income
$871,000
Median home value
83.9%
Bachelor's or higher

The verdict

Millwood 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 4%
home value, US ZIPs
439
people per sq mi
81%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 10546 against every reporting US ZIP.

ZIP code 10546 is a sparsely populated ZIP (a standard USPS delivery area) in Millwood, Westchester County, New York, home to just 1,277 residents across 2.9 square miles, a density of 439 people per square mile, in the New York time zone.

ZIP 10546 skews affluent, with a median household income of $206,750 (124% above the New York average), while per-capita income is $88,933. Poverty here runs at 3.9%, with unemployment measured at 0.0%. Median home value sits at $871,000 (130% above the state average), median rent at $3,501 a month, and owner-occupancy at 81.3%.

This is a highly-educated ZIP: 83.9% of adults hold a bachelor's degree or higher, the median age is 51, and the average commute is -. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 10546, plus 6 more within Westchester County, give a clearer read than the national average 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 10546

Top 5 sectors by establishment count in Millwood, NY

Which industries have the most business establishments in ZIP 10546.

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 10546, Millwood, 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

1,277

Population

2.9

Area (sq mi)

439

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 10546?

51.0

Median Age

37.1%

Male

62.9%

Female

15.3%

Foreign-Born

White 73.3%
African American 0.6%
Asian 15.7%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 10.3%
Hispanic or Latino 10.1%

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?

$206,750

Median Household Income

+124% vs state

$88,933

Per Capita Income

3.9%

Poverty Rate

0.0%

Unemployment Rate

How ZIP 10546 ranks nationally

Millwood, NY household income vs. every US ZIP code

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

$206,750 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 87.6%
Bachelor's Degree or Higher 83.9%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

605

Total Housing Units

573

Occupied Units

32

Vacant Units

2.42

Avg Household Size

Occupancy Type

Owner 81.3%
Renter 18.7%

$871,000

Median Home Value

+130% vs state

$3,501

Median Rent

1976

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

+4.5%

YoY Change (2021)

151

HPI Index (2000 = 100)

+51%

Total Change Since 2000

Home values in ZIP 10546 have increased 4.5% over the past year (2021). Since 2000, this ZIP has seen +51% cumulative appreciation.

Year Annual Change HPI Index
2017 +5.6% 143
2018 -2.1% 140
2019 -7.0% 130
2020 +11.2% 144
2021 +4.5% 151

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 2021. ZIP codes with few transactions may show missing values.

What businesses operate in this ZIP?

Census Bureau data shows 69 business establishments in ZIP 10546, employing approximately 839 people with a combined annual payroll of $71,429,000.

69

Businesses

839

Employees

$71.4M

Annual Payroll

9

Industry Sectors

Industry Establishments % of Total
Retail trade 12 17.4%
Other services (except public administration) 9 13.0%
Professional, scientific, and technical services 6 8.7%
Administrative and support and waste management and remediation services 6 8.7%
Health care and social assistance 6 8.7%
Accommodation and food services 6 8.7%
Construction 5 7.3%
Finance and insurance 5 7.3%
Utilities 3 4.3%

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 10546 vs 10562 →

ZIP 10546 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 10546 ranks #0 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 10546 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 10546 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
10562 Ossining, NY 31,796 1.6 mi
10514 Chappaqua, NY 11,946 2.2 mi
10545 Maryknoll, NY 141 2.2 mi
10570 Pleasantville, NY 12,680 4.6 mi
10549 Mount Kisco, NY 16,638 4.1 mi
10510 Briarcliff Manor, NY 9,988 4.2 mi
10598 Yorktown Heights, NY 28,647 6.0 mi
10532 Hawthorne, NY 4,931 6.7 mi
10520 Croton On Hudson, NY 12,810 4.1 mi
10594 Thornwood, NY 5,117 5.6 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 Millwood, NY New York

Frequently Asked Questions

What county is ZIP code 10546 in? ▼
ZIP code 10546 (Millwood) 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 10546? ▼
ZIP code 10546 in Millwood, NY has a population of 1,277 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 10546? ▼
The median household income in ZIP 10546 is $206,750, which is 171% above the national average of $76,288.
What is the average home value in ZIP 10546? ▼
The median home value in ZIP 10546 is $871,000, which is 213% above the national average of $278,155.
What is the demographic makeup of ZIP 10546? ▼
The largest racial group in ZIP 10546 is White at 73.3%. Hispanic or Latino residents make up 10.1% of the population.
How many businesses are in ZIP code 10546? ▼
ZIP code 10546 has 69 business establishments employing approximately 839 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 10546? ▼
The top industries by establishment count in ZIP 10546 are: Retail trade (12), Other services (except public administration) (9), Professional, scientific, and technical services (6). There are 9 industry sectors represented in total.
How have home values changed in ZIP code 10546? ▼
According to the FHFA House Price Index, home values in ZIP 10546 increased by 4.5% in 2021. Since 2000, home values in this ZIP have appreciated by approximately 51%. 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 10546? ▼
In ZIP code 10546, 87.6% of residents aged 25+ have a high school diploma or higher, and 83.9% hold a bachelor's degree or higher. These figures come from the Census Bureau ACS 5-Year Estimates (2023).
What percentage of residents own vs. rent in ZIP 10546? ▼
In ZIP code 10546, approximately 81.3% of occupied housing units are owner-occupied and 18.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 10546? ▼
The poverty rate in ZIP code 10546 is 3.9% 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.