Tomkins Cove, NY · standard
ZIP Code 10986
Rockland County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 1,974
- 71/sq mi Moderate-density area
- $613,300
- Median home value Above-median home value
- 48.6%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Tomkins Cove pairs top-decile home values, in a rural, homeowner-dominated area.
- Top 9%
- home value, US ZIPs
- 71
- people per sq mi
- 74%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 10986 against every reporting US ZIP.
ZIP code 10986 covers 28.0 square miles in Tomkins Cove, Rockland County, New York (a standard USPS delivery area), with a modest 1,974 residents on file, a density of 71 people per square mile, in the New York time zone.
Median household income is not on file for ZIP 10986, but per-capita income is $60,368. The poverty rate is 6.3%, with unemployment at 7.3%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $613,300 (62% above the average New York ZIP), while 74.2% of occupied homes are owner-occupied and median rent is $2,053.
A solid share of residents have a four-year degree: 48.6% of adults hold a bachelor's degree or higher, the median age is 44.8, and the average commute is -. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Rockland County, so 10986 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 →
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 10986, Tomkins Cove, 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
1,974
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?
Housing stock: occupied vs vacant
713housing units
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 ZIP avg
$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 10986 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 10566
Peekskill (10566)
23,570 residents
- 10923 8,732
Garnerville (10923)
8,732 residents
- 10993 4,769
West Haverstraw (10993)
4,769 residents
- 10928 4,175
Highland Falls (10928)
4,175 residents
- 10548 3,487
Montrose (10548)
3,487 residents
- 10984 2,842
Thiells (10984)
2,842 residents
- 10511 2,246
Buchanan (10511)
2,246 residents
- 10986 1,974
Tomkins Cove (10986)
1,974 residents
- 10596 1,729
Verplanck (10596)
1,729 residents
What this shows Among its immediate neighbors, ZIP 10986 ranks #8 by population - useful context the national average alone can't give.
| 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 |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 10986, 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 (1,974 here; floor ≥1,000).
More ZIP Codes in Rockland County
Related Areas
Frequently Asked Questions
What county is ZIP code 10986 in?
ZIP code 10986 (Tomkins Cove) 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 10986?
ZIP code 10986 in Tomkins Cove, NY has a population of 1,974 according to the Census Bureau ACS 2023 estimates.
What is the average home value in ZIP 10986?
The median home value in ZIP 10986 is $613,300, which is 120% above the national average of $278,155.
What is the demographic makeup of ZIP 10986?
The largest racial group in ZIP 10986 is White at 81.8%. Hispanic or Latino residents make up 13.8% of the population.
How many businesses are in ZIP code 10986?
ZIP code 10986 has 24 business establishments employing approximately 67 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
How have home values changed in ZIP code 10986?
According to the FHFA House Price Index, home values in ZIP 10986 increased by 3.6% in 2023. Since 2000, home values in this ZIP have appreciated by approximately 105%. 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 10986?
In ZIP code 10986, 71.0% of residents aged 25+ have a high school diploma or higher, and 48.6% 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 10986?
In ZIP code 10986, approximately 74.2% of occupied housing units are owner-occupied and 25.8% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 10986?
The poverty rate in ZIP code 10986 is 6.3% 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 10986's numbers, next.
- See how ZIP 10986 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Tomkins Cove, NY ranks among every U.S. ZIP code on income, education, or homeownership View national rankings
- Save this ZIP to your shortlist to track alongside others you're considering View your shortlist
ZIP Code Tabulation Areas (ZCTAs) are Census Bureau approximations of USPS ZIP codes; figures describe the ZCTA area, not any single address within it.