Highland Falls, NY · standard
ZIP Code 10928
Orange County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 4,175
- 297/sq mi High-density area
- $102,347
- Median income Above-median income area
- $329,200
- Median home value Above-median home value
- 36.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Highland Falls pairs an upper-quartile household income with above-median home values, in a low-density, homeowner-dominated area.
- Top 18%
- household income, US ZIPs
- Top 29%
- home value, US ZIPs
- 297
- people per sq mi
- 61%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 10928 against every reporting US ZIP.
FHFA HPI release change
What changed in the latest House Price Index year
- FHFA House Price Index values in ZIP 10928 (Highland Falls, NY) fell -8.4% from 2023 to 2024. The all-transactions index moved from 299.8 in 2023 to 274.7 in 2024 (2000 = 100).
ZIP code 10928 covers 14.0 square miles in Highland Falls, Orange County, New York (a standard USPS delivery area), with a modest 4,175 residents on file, a density of 297 people per square mile, in the New York time zone.
ZIP 10928 lands in the middle-income range, with a median household income of $102,347 (11% above the average New York ZIP), while per-capita income is $49,177. The poverty rate is 6.0%, with unemployment at 5.1%; those measures add context to the income figure. Median home value is $329,200 (13% below the average New York ZIP) and median rent is $1,670; 60.6% of occupied homes are owner-occupied.
A solid share of residents have a four-year degree: 36.6% of adults hold a bachelor's degree or higher, the median age is 43.3, and the average commute is 26 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Orange County, so 10928 can be compared with both its immediate and county-level context.
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 10928
Top 5 sectors by establishment count in Highland Falls, NY
Which industries have the most business establishments in ZIP 10928.
- Accommodation and food services
Accommodation and food services
22 establishments
- Retail trade
Retail trade
12 establishments
- Construction
Construction
11 establishments
- Other services (except public administration)
Other services (except public administration)
9 establishments
- Finance and insurance 6
Finance and insurance
6 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 + FHFA HPI ACS demographics and median rent, ZBP business establishments, FHFA HPI for ZIP 10928, Highland Falls, 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
4,175
Population
14.0
Area (sq mi)
297
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 10928?
43.3
Median Age
55.0%
Male
45.0%
Female
14.7%
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?
$102,347
Median Household Income
+11% vs state ZIP avg
$49,177
Per Capita Income
6.0%
Poverty Rate
5.1%
Unemployment Rate
26.1 min
Mean Commute Time
How ZIP 10928 ranks among New York ZIPs
Highland Falls, NY household income vs. every New York ZIP code
Median household income among 1,626 reporting New York ZIPs (this ZIP's population is too small for a reliable national-corpus placement)
$102,347 Top 29% higher than 71% of 1,626 New York ZIPs
Each bar is a $20K-wide band; taller bars hold more New York 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?
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)
What does housing look like?
Housing stock: occupied vs vacant
2,416housing units
2,416
Total Housing Units
2,274
Occupied Units
142
Vacant Units
2.23
Avg Household Size
Occupancy Type
$329,200
Median Home Value
-13% vs state ZIP avg
$1,670
Median Rent
1953
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
-8.4%
YoY Change (2024)
275
HPI Index (2000 = 100)
+175%
Total Change Since 2000
Home values in ZIP 10928 have decreased 8.4% over the past year (2024). Since 2000, this ZIP has seen +175% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +11.2% | 189 |
| 2021 | +8.9% | 206 |
| 2022 | +18.6% | 244 |
| 2023 | +22.8% | 300 |
| 2024 | -8.4% | 275 |
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 78 business establishments in ZIP 10928, employing approximately 504 people with a combined annual payroll of $20,280,000.
78
Businesses
504
Employees
$20.3M
Annual Payroll
7
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Accommodation and food services | 22 | 28.2% |
| Retail trade | 12 | 15.4% |
| Construction | 11 | 14.1% |
| Other services (except public administration) | 9 | 11.5% |
| Finance and insurance | 6 | 7.7% |
| Health care and social assistance | 5 | 6.4% |
| Professional, scientific, and technical services | 4 | 5.1% |
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 10928 vs 10922 →
ZIP 10928 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 10930
Highland Mills (10930)
8,958 residents
- 10996
West Point (10996)
6,756 residents
- 12518
Cornwall (12518)
5,870 residents
- 10524
Garrison (10524)
4,421 residents
- 10928
Highland Falls (10928)
4,175 residents
- 12520 3,109
Cornwall On Hudson (12520)
3,109 residents
- 10537 2,416
Lake Peekskill (10537)
2,416 residents
- 10986 1,974
Tomkins Cove (10986)
1,974 residents
- 10922 1,559
Fort Montgomery (10922)
1,559 residents
What this shows Among its immediate neighbors, ZIP 10928 ranks #5 by population - useful context the national average alone can't give.
ZIP 10928 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 10524
Garrison (10524)
$146,250 median income
- 12520
Cornwall On Hudson (12520)
$136,797 median income
- 10996
West Point (10996)
$135,333 median income
- 10537
Lake Peekskill (10537)
$132,117 median income
- 10922
Fort Montgomery (10922)
$123,406 median income
- 10930
Highland Mills (10930)
$120,098 median income
- 10928
Highland Falls (10928)
$102,347 median income
- 12518
Cornwall (12518)
$101,208 median income
What this shows By household income, ZIP 10928 ranks #7 of 8 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 10922 | Fort Montgomery, NY | 1,559 | 1.4 mi |
| 10911 | Bear Mountain, NY | 2 | 2.5 mi |
| 10996 | West Point, NY | 6,756 | 2.8 mi |
| 10986 | Tomkins Cove, NY | 1,974 | 5.0 mi |
| 12520 | Cornwall On Hudson, NY | 3,109 | 5.5 mi |
| 10524 | Garrison, NY | 4,421 | 4.1 mi |
| 12518 | Cornwall, NY | 5,870 | 4.8 mi |
| 10537 | Lake Peekskill, NY | 2,416 | 5.9 mi |
| 10930 | Highland Mills, NY | 8,958 | 6.2 mi |
| 10953 | Mountainville, NY | 252 | 5.5 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 10928, both outside NY so the neighborhoods are not geographic containment (Nearby and same-county blocks stay local).
Similar population
Nearest cross-state ZIPs by resident population (4,175 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Orange County
Related Areas
Frequently Asked Questions
What county is ZIP code 10928 in?
ZIP code 10928 (Highland Falls) is located in Orange County, New York. Orange County contains multiple ZIP codes, see the full list at /counties/orange-ny.
What is the population of ZIP code 10928?
ZIP code 10928 in Highland Falls, NY has a population of 4,175 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 10928?
The median household income in ZIP 10928 is $102,347, which is 34% above the national average of $76,288.
What is the average home value in ZIP 10928?
The median home value in ZIP 10928 is $329,200, which is 18% above the national average of $278,155.
What is the demographic makeup of ZIP 10928?
The largest racial group in ZIP 10928 is White at 54.3%. Hispanic or Latino residents make up 30.0% of the population.
How many businesses are in ZIP code 10928?
ZIP code 10928 has 78 business establishments employing approximately 504 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 10928?
The top industries by establishment count in ZIP 10928 are: Accommodation and food services (22), Retail trade (12), Construction (11). There are 7 industry sectors represented in total.
How have home values changed in ZIP code 10928?
According to the FHFA House Price Index, home values in ZIP 10928 decreased by 8.4% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 175%. 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 10928?
In ZIP code 10928, 67.1% of residents aged 25+ have a high school diploma or higher, and 36.6% 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 10928?
The mean commute time for workers in ZIP code 10928 is 26.1 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 10928?
In ZIP code 10928, approximately 60.6% of occupied housing units are owner-occupied and 39.4% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 10928?
The poverty rate in ZIP code 10928 is 6.0% according to Census Bureau ACS 2023 estimates. This measures the percentage of the population living below the federal poverty threshold.
Related
Take this with you
What to do with ZIP 10928's numbers, next.
- See how ZIP 10928 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Highland Falls, NY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
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ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.