ZIP Code 10986
standardSource:
Tomkins Cove · Rockland County · New York
- Population
- 1,974
- Median home value
- $613,300
- Bachelor's or higher
- 48.6%
- Land area
- 28.0 sq mi
71/sq mi
▲ 120% vs US
higher than 91% of US ZIPs
Median age 44.8
New York
ZIP code 10986 in Tomkins Cove, New York has a population of 1,974. Median home value is $613,300, 120% above the US average. 48.6% of residents hold a bachelor's degree or higher.
ZIP code 10986 is classified by USPS as a standard delivery area and covers roughly 28.0 square miles in Tomkins Cove, Rockland County, New York. The area is home to 1,974 residents, producing a population density of 71 people per square mile, and falls within the New York time zone. These USPS and Census boundary values drive every downstream statistic on this page, including the benchmarks that compare 10986 against New York and the nation.
On the economic side, the median household income for ZIP 10986 sits at —, while per-capita income is $60,368. The poverty rate stands at 6.3% and the unemployment rate at 7.3%. On housing, the median home value is $613,300 (62% above the state average) with median rent at $2,053 per month, and 74.2% of occupied units are owner-occupied, a direct signal of whether 10986 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 48.6% of adults hold a bachelor's degree or higher, the median age is 44.8, and the average commute is —. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Rockland County, so you can benchmark 10986 against its immediate geography rather than a national average alone. Every figure is sourced from the U.S. Census Bureau American Community Survey 5-Year Estimates, HUD Fair Market Rents, and FHFA Home Price Index data, no estimates, no proprietary scoring. Verify with HUD →
Source: U.S. Census Bureau, American Community Survey 5-Year Estimates + ZIP Code Business Patterns + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, FHFA HPI for ZIP 10986, Tomkins Cove, NY · 2023 Census ACS 5-Year Estimates use a rolling 60-month sample for stable small-geography estimates; ZBP updated annually; HUD FMR + FHFA HPI updated quarterly/annually.
Quick Facts
1,974
Population
28.0
Area (sq mi)
71
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 10986?
44.8
Median Age
46.2%
Male
53.8%
Female
10.5%
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?
$60,368
Per Capita Income
6.3%
Poverty Rate
7.3%
Unemployment Rate
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?
713
Total Housing Units
685
Occupied Units
28
Vacant Units
2.64
Avg Household Size
Occupancy Type
$613,300
Median Home Value
+62% vs state
$2,053
Median Rent
1957
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
+3.6%
YoY Change (2023)
205
HPI Index (2000 = 100)
+105%
Total Change Since 2000
Home values in ZIP 10986 have increased 3.6% over the past year (2023). Since 2000, this ZIP has seen +105% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2019 | +1.4% | 140 |
| 2020 | +11.6% | 156 |
| 2021 | +4.3% | 163 |
| 2022 | +21.5% | 198 |
| 2023 | +3.6% | 205 |
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 2023. ZIP codes with few transactions may show missing values.
What businesses operate in this ZIP?
Census Bureau data shows 24 business establishments in ZIP 10986, employing approximately 67 people with a combined annual payroll of $2,602,000.
24
Businesses
67
Employees
$2.6M
Annual Payroll
2
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Construction | 12 | 50.0% |
| Other services (except public administration) | 3 | 12.5% |
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 10986 vs 10911 →
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 10911 | Bear Mountain, NY | 2 | 2.5 mi |
| 10922 | Fort Montgomery, NY | 1,559 | 3.6 mi |
| 10596 | Verplanck, NY | 1,729 | 2.6 mi |
| 10511 | Buchanan, NY | 2,246 | 3.0 mi |
| 10928 | Highland Falls, NY | 4,175 | 5.0 mi |
| 10923 | Garnerville, NY | 8,732 | 5.5 mi |
| 10566 | Peekskill, NY | 23,570 | 4.0 mi |
| 10993 | West Haverstraw, NY | 4,769 | 5.0 mi |
| 10548 | Montrose, NY | 3,487 | 3.9 mi |
| 10984 | Thiells, NY | 2,842 | 5.2 mi |
More ZIP Codes in Rockland County
Related Areas
Frequently Asked Questions
What county is ZIP code 10986 in? ▼
What is the population of ZIP code 10986? ▼
What is the average home value in ZIP 10986? ▼
What is the demographic makeup of ZIP 10986? ▼
How many businesses are in ZIP code 10986? ▼
How have home values changed in ZIP code 10986? ▼
What is the education level in ZIP code 10986? ▼
What percentage of residents own vs. rent in ZIP 10986? ▼
What is the poverty rate in ZIP code 10986? ▼
ZIP Code Research Guides
Official Data Resources for Tomkins Cove, NY
Verify and explore additional data for this area using these official government sources.
Source: U.S. Census Bureau, ACS 5-Year Estimates (2023). Business data: Source: Census ZIP Code Business Patterns (ZBP) 2023. Home value trends: Source: FHFA House Price Index (HPI), Five-Digit ZIP Codes.
PlainZIP is not affiliated with the U.S. Census Bureau or any government agency.
Read our methodology , how this data is sourced, computed, and verified.