Residential delivery area · New York
ZIP Code 10965: Pearl River, NY
ZIP code 10965 is in Pearl River, New York, entirely in Rockland County (Census 2020 ZIP-county file). About 15,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $132,660 (Census Bureau, ACS 2020-2024).
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Pearl River · its only residential ZIP
- County
- Rockland County
- Census places
- Pearl River census-designated place
- Metro area
- New York-Newark-Jersey City, NY-NJ
- House district
- NY-17 119th Congress
- State
- New York
- Time zone
- Eastern
- Land area
- 5.2 sq mi · 2,906 people per sq mi
Where is ZIP code 10965?
10965 centers on 41.062°, -74.008° and covers 5.2 square miles of land plus 0.2 of water. It borders 7 ZIP codes: 07645, 10962, 10954, 10913, 10994, 07675, 10977.
The map draws ZIP code areas only. For the streets inside 10965, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 10965 compare with the rest of Rockland County?
| Measure | 10965 | In Rockland County | In NY |
|---|---|---|---|
| People (ACS 2020-2024) | 15,206 | 7th of 26 | 400th of 1,826 |
| Median household income | $133k | 7th of 19 | 170th of 1,081 |
| Median home value | $597k | 13th of 24 | 299th of 1,172 |
Its median household income is higher than in 94% of U.S. residential ZIP codes, and it is denser than 88% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 10965?
The 2020 Census counted 15,342 people in 10965; the ACS, which samples households over 2020-2024, estimates 15,206. Between the 2010 and 2020 censuses its population grew 3.7% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 15,206
- 2020 Census count
- 15,342+3.7% since 2010 (14,791)
- Households
- 5,743
- Median age
- 41.1
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 10965?
Of the 15,206 people the ACS estimates in 10965, 24.5% are under 18 and 19.1% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (74.4%), then Hispanic or Latino (17.0%).
- Under 1824.5%
- 18 to 6456.5%
- 65 and older19.1%
- White, not Hispanic74.4%
- Hispanic or Latino17.0%
- Other or two or more4.6%
- Asian, not Hispanic3.3%
- Black, not Hispanic0.6%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 10965 earn?
Median household income is $132,660 (ACS 2020-2024), the 7th highest of the 19 ranked ZIP codes in Rockland County. It is not measurably different from 2015-2019 ($136,503 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $132,660
- Income per person
- $60,329
- Below the poverty line
- 7.9%
- Unemployed (of the labor force)
- 3.2%
- Adults 25+ with a bachelor's degree
- 50.3%
- Adjusted gross income per tax return, 2022
- $120,9428,150 returns; wages 66% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 10965?
FHFA's house price index for 10965, built from repeat sales and appraisals of the same homes, rose 64% from 2015 to 2025 and rose 47% from 2020 to 2025, and moved +5.6% in 2025.
- Median home value (owners' estimate)
- $596,700
- Median gross rent
- $1,962
- Homes owned by their occupants
- 76.6%
- Housing units
- 5,975
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 10965?
497 business establishments had a location in this ZIP code in 2023, 9 fewer than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction85
- Professional, scientific, and technical services74
- Accommodation and food services51
- Health care and social assistance49
- Other services (except public administration)42
- Retail trade38
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 10965?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 07645 | Montvale, NJ | 8,901 | $178k | 2.1 mi |
| 10962 | Orangeburg | 4,767 | $149k | 2.5 mi |
| 10954 | Nanuet | 26,495 | $116k | 2.6 mi |
| 10913 | Blauvelt | 5,343 | $175k | 2.7 mi |
| 10994 | West Nyack | 6,370 | $170k | 3.1 mi |
| 07675 | Westwood, NJ | 27,349 | $183k | 4.0 mi |
| 10977 | Spring Valley | 71,571 | $75k | 4.5 mi |
| 07656 | Park Ridge, NJ | 9,406 | $171k | 2.6 mi (near) |
| 07677 | Woodcliff Lake, NJ | 6,152 | $214k | 3.7 mi (near) |
| 10983 | Tappan | 5,934 | $160k | 3.8 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.