PlainZIP

Garnerville, NY · standard

ZIP Code 10923

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

8,732
1,714/sq mi
$100,469
Median income
$471,400
Median home value
39.7%
Bachelor's or higher

The verdict

Garnerville pairs an upper-quartile household income with upper-quartile home values, in a low-density, homeowner-dominated area.

Top 19%
household income, US ZIPs
Top 15%
home value, US ZIPs
1,714
people per sq mi
62%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 10923 against every reporting US ZIP.

ZIP code 10923 is a mid-sized community (a standard USPS delivery area) in Garnerville, Rockland County, New York, home to 8,732 residents across 5.1 square miles, a density of 1,714 people per square mile, in the New York time zone.

ZIP 10923 lands in the middle-income range, with a median household income of $100,469 (9% above the New York average), while per-capita income is $39,303. 21.2% of residents live below the poverty line, and the unemployment rate reads 1.8%. Housing costs here run $471,400 for a typical home value (25% above the state average), with rent averaging $1,825 a month; 62.1% of homes are owner-occupied.

A solid share of residents have a four-year degree: 39.7% of adults hold a bachelor's degree or higher, the median age is 36.5, and the average commute is 31 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 10923, plus 6 more within Rockland 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 10923

Top 5 sectors by establishment count in Garnerville, NY

Which industries have the most business establishments in ZIP 10923.

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 10923, Garnerville, 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

8,732

Population

5.1

Area (sq mi)

1,714

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 10923?

36.5

Median Age

48.3%

Male

51.7%

Female

31.6%

Foreign-Born

White 34.9%
African American 14.4%
Asian 1.5%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 24.3%
Hispanic or Latino 57.3%

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?

$100,469

Median Household Income

+9% vs state

$39,303

Per Capita Income

21.2%

Poverty Rate

1.8%

Unemployment Rate

30.5 min

Mean Commute Time

How ZIP 10923 ranks nationally

Garnerville, NY household income vs. every US ZIP code

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

$100,469 Top 19% higher than 81% 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%). This entry sits in this band. $120,000–$140,000: 1,362 US ZIPs (4%). Above this entry. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. 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 61.0%
Bachelor's Degree or Higher 39.7%

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

What does housing look like?

2,620

Total Housing Units

2,563

Occupied Units

57

Vacant Units

3.50

Avg Household Size

Occupancy Type

Owner 62.1%
Renter 37.9%

$471,400

Median Home Value

+25% vs state

$1,825

Median Rent

1972

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

+7.5%

YoY Change (2024)

257

HPI Index (2000 = 100)

+157%

Total Change Since 2000

Home values in ZIP 10923 have increased 7.5% over the past year (2024). Since 2000, this ZIP has seen +157% cumulative appreciation.

Year Annual Change HPI Index
2020 +1.3% 168
2021 +12.4% 189
2022 +17.9% 223
2023 +6.8% 239
2024 +7.5% 257

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 157 business establishments in ZIP 10923, employing approximately 1,093 people with a combined annual payroll of $50,211,000.

157

Businesses

1,093

Employees

$50.2M

Annual Payroll

13

Industry Sectors

Industry Establishments % of Total
Construction 26 16.6%
Accommodation and food services 22 14.0%
Other services (except public administration) 21 13.4%
Retail trade 20 12.7%
Professional, scientific, and technical services 17 10.8%
Health care and social assistance 14 8.9%
Administrative and support and waste management and remediation services 6 3.8%
Manufacturing 5 3.2%
Transportation and warehousing 5 3.2%
Finance and insurance 5 3.2%
Wholesale trade 4 2.5%
Real estate and rental and leasing 3 1.9%
Educational services 3 1.9%

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 10923 vs 10984 →

ZIP 10923 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 10923 ranks #5 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 10923 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 10923 ranks #7 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
10984 Thiells, NY 2,842 1.0 mi
10993 West Haverstraw, NY 4,769 1.4 mi
10927 Haverstraw, NY 11,910 1.8 mi
10956 New City, NY 31,521 3.2 mi
10980 Stony Point, NY 13,383 3.4 mi
10986 Tomkins Cove, NY 1,974 5.5 mi
10970 Pomona, NY 9,993 4.2 mi
10596 Verplanck, NY 1,729 4.3 mi
10920 Congers, NY 8,554 4.6 mi
10548 Montrose, NY 3,487 4.6 mi

More ZIP Codes in Rockland County

10977 standard
Spring Valley, NY
Pop: 59,048
10952 standard
Monsey, NY
Pop: 38,917
10956 standard
New City, NY
Pop: 31,521
10901 standard
Suffern, NY
Pop: 23,465
10954 standard
Nanuet, NY
Pop: 23,045
10960 standard
Nyack, NY
Pop: 15,093

Related Areas

Rockland County Garnerville, NY New York

Frequently Asked Questions

What county is ZIP code 10923 in? ▼
ZIP code 10923 (Garnerville) is located in Rockland County, New York. Rockland County contains multiple ZIP codes, see the full list at /counties/rockland-ny.
What is the population of ZIP code 10923? ▼
ZIP code 10923 in Garnerville, NY has a population of 8,732 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 10923? ▼
The median household income in ZIP 10923 is $100,469, which is 32% above the national average of $76,288.
What is the average home value in ZIP 10923? ▼
The median home value in ZIP 10923 is $471,400, which is 69% above the national average of $278,155.
What is the demographic makeup of ZIP 10923? ▼
The largest racial group in ZIP 10923 is White at 34.9%. Hispanic or Latino residents make up 57.3% of the population.
How many businesses are in ZIP code 10923? ▼
ZIP code 10923 has 157 business establishments employing approximately 1,093 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 10923? ▼
The top industries by establishment count in ZIP 10923 are: Construction (26), Accommodation and food services (22), Other services (except public administration) (21). There are 13 industry sectors represented in total.
How have home values changed in ZIP code 10923? ▼
According to the FHFA House Price Index, home values in ZIP 10923 increased by 7.5% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 157%. 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 10923? ▼
In ZIP code 10923, 61.0% of residents aged 25+ have a high school diploma or higher, and 39.7% 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 10923? ▼
The mean commute time for workers in ZIP code 10923 is 30.5 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 10923? ▼
In ZIP code 10923, approximately 62.1% of occupied housing units are owner-occupied and 37.9% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 10923? ▼
The poverty rate in ZIP code 10923 is 21.2% 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.