Valley Cottage, NY · standard
ZIP Code 10989
Rockland County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.
- 9,293
- 728/sq mi High-density area
- $134,267
- Median income Above-median income area
- $549,700
- Median home value Above-median home value
- 58.2%
- Bachelor's or higher Above-average bachelor's attainment
National ZIP placement
Valley Cottage pairs a top-decile household income with upper-quartile home values, in a low-density, homeowner-dominated area.
- Top 6%
- household income, US ZIPs
- Top 11%
- home value, US ZIPs
- 728
- people per sq mi
- 89%
- owner-occupied homes
Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 10989 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 10989 (Valley Cottage, NY) rose +13.3% from 2023 to 2024. The all-transactions index moved from 226.0 in 2023 to 255.9 in 2024 (2000 = 100).
ZIP code 10989 is a mid-sized community (a standard USPS delivery area) in Valley Cottage, Rockland County, New York, home to 9,293 residents across 12.8 square miles, a density of 728 people per square mile, in the New York time zone.
ZIP 10989 skews affluent, with a median household income of $134,267 (45% above the average New York ZIP), while per-capita income is $64,717. The poverty rate is 2.8%, with unemployment at 9.2%; those measures add context to the income figure. Housing is both higher-cost and owner-heavy: median home value is $549,700 (45% above the average New York ZIP), while 89.4% of occupied homes are owner-occupied and median rent is $2,065.
This is a highly-educated ZIP: 58.2% of adults hold a bachelor's degree or higher, the median age is 46.8, and the average commute is 33 minutes. The page also surfaces 10 ZIP codes within roughly 10 miles and 6 more in Rockland County, so 10989 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 10989
Top 5 sectors by establishment count in Valley Cottage, NY
Which industries have the most business establishments in ZIP 10989.
- Professional, scientific, and technical services
Professional, scientific, and technical services
36 establishments
- Health care and social assistance
Health care and social assistance
30 establishments
- Construction
Construction
23 establishments
- Administrative and support and waste management and remediation services
Administrative and support and waste management and remediation services
23 establishments
- Other services (except public administration)
Other services (except public administration)
22 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 10989, Valley Cottage, 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
9,293
Population
12.8
Area (sq mi)
728
People / sq mi
New York
Time Zone
standard
ZIP Type
Who lives in ZIP 10989?
46.8
Median Age
50.2%
Male
49.8%
Female
20.1%
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?
$134,267
Median Household Income
+45% vs state ZIP avg
$64,717
Per Capita Income
2.8%
Poverty Rate
9.2%
Unemployment Rate
32.7 min
Mean Commute Time
How ZIP 10989 ranks among New York ZIPs
Valley Cottage, 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)
$134,267 Top 13% higher than 87% 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
3,526housing units
3,526
Total Housing Units
3,328
Occupied Units
198
Vacant Units
2.68
Avg Household Size
Occupancy Type
$549,700
Median Home Value
+45% vs state ZIP avg
$2,065
Median Rent
1971
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
+13.3%
YoY Change (2024)
256
HPI Index (2000 = 100)
+156%
Total Change Since 2000
Home values in ZIP 10989 have increased 13.3% over the past year (2024). Since 2000, this ZIP has seen +156% cumulative appreciation.
| Year | Annual Change | HPI Index |
|---|---|---|
| 2020 | +5.6% | 173 |
| 2021 | +7.4% | 186 |
| 2022 | +14.7% | 213 |
| 2023 | +6.0% | 226 |
| 2024 | +13.3% | 256 |
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 245 business establishments in ZIP 10989, employing approximately 2,552 people with a combined annual payroll of $139,306,000.
245
Businesses
2,552
Employees
$139.3M
Annual Payroll
15
Industry Sectors
| Industry | Establishments | % of Total |
|---|---|---|
| Professional, scientific, and technical services | 36 | 14.7% |
| Health care and social assistance | 30 | 12.2% |
| Construction | 23 | 9.4% |
| Administrative and support and waste management and remediation services | 23 | 9.4% |
| Other services (except public administration) | 22 | 9.0% |
| Wholesale trade | 18 | 7.3% |
| Retail trade | 18 | 7.3% |
| Accommodation and food services | 15 | 6.1% |
| Manufacturing | 14 | 5.7% |
| Transportation and warehousing | 11 | 4.5% |
| Finance and insurance | 10 | 4.1% |
| Real estate and rental and leasing | 10 | 4.1% |
| Information | 5 | 2.0% |
| Arts, entertainment, and recreation | 5 | 2.0% |
| Educational services | 4 | 1.6% |
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 10989 vs 10920 →
ZIP 10989 vs its nearest neighbors, by population
Resident population of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 10956
New City (10956)
31,521 residents
- 10954
Nanuet (10954)
23,045 residents
- 10960
Nyack (10960)
15,093 residents
- 10927 11,910
Haverstraw (10927)
11,910 residents
- 10989 9,293
Valley Cottage (10989)
9,293 residents
- 10920 8,554
Congers (10920)
8,554 residents
- 10994 7,085
West Nyack (10994)
7,085 residents
- 10962 5,950
Orangeburg (10962)
5,950 residents
- 10913 5,532
Blauvelt (10913)
5,532 residents
What this shows Among its immediate neighbors, ZIP 10989 ranks #5 by population - useful context the national average alone can't give.
ZIP 10989 vs its nearest neighbors, by median income
Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.
- 10956
New City (10956)
$177,952 median income
- 10913
Blauvelt (10913)
$175,357 median income
- 10994
West Nyack (10994)
$170,307 median income
- 10962
Orangeburg (10962)
$148,500 median income
- 10920
Congers (10920)
$145,567 median income
- 10968
Piermont (10968)
$145,000 median income
- 10989
Valley Cottage (10989)
$134,267 median income
- 10960
Nyack (10960)
$125,789 median income
- 10954
Nanuet (10954)
$116,332 median income
What this shows By household income, ZIP 10989 ranks #7 of 9 neighboring ZIPs, local affluence varies block to block, not just metro to metro.
| ZIP Code | City | Population | Distance |
|---|---|---|---|
| 10920 | Congers, NY | 8,554 | 2.0 mi |
| 10960 | Nyack, NY | 15,093 | 2.3 mi |
| 10994 | West Nyack, NY | 7,085 | 2.7 mi |
| 10913 | Blauvelt, NY | 5,532 | 4.0 mi |
| 10956 | New City, NY | 31,521 | 3.8 mi |
| 10962 | Orangeburg, NY | 5,950 | 5.4 mi |
| 10927 | Haverstraw, NY | 11,910 | 5.0 mi |
| 10954 | Nanuet, NY | 23,045 | 4.3 mi |
| 10968 | Piermont, NY | 2,353 | 6.0 mi |
| 10976 | Sparkill, NY | 2,258 | 6.7 mi |
Nationwide ZIPs with similar ACS profiles
Two Census-derived peer sets for ZIP 10989, 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 (9,293 here; floor ≥1,000).
Similar median household income
Nearest cross-state ZIPs by ACS median household income.
More ZIP Codes in Rockland County
Related Areas
Frequently Asked Questions
What county is ZIP code 10989 in?
ZIP code 10989 (Valley Cottage) 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 10989?
ZIP code 10989 in Valley Cottage, NY has a population of 9,293 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 10989?
The median household income in ZIP 10989 is $134,267, which is 76% above the national average of $76,288.
What is the average home value in ZIP 10989?
The median home value in ZIP 10989 is $549,700, which is 98% above the national average of $278,155.
What is the demographic makeup of ZIP 10989?
The largest racial group in ZIP 10989 is White at 58.7%. Hispanic or Latino residents make up 18.9% of the population.
How many businesses are in ZIP code 10989?
ZIP code 10989 has 245 business establishments employing approximately 2,552 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 10989?
The top industries by establishment count in ZIP 10989 are: Professional, scientific, and technical services (36), Health care and social assistance (30), Construction (23). There are 15 industry sectors represented in total.
How have home values changed in ZIP code 10989?
According to the FHFA House Price Index, home values in ZIP 10989 increased by 13.3% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 156%. 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 10989?
In ZIP code 10989, 73.0% of residents aged 25+ have a high school diploma or higher, and 58.2% 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 10989?
The mean commute time for workers in ZIP code 10989 is 32.7 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 10989?
In ZIP code 10989, approximately 89.4% of occupied housing units are owner-occupied and 10.6% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 10989?
The poverty rate in ZIP code 10989 is 2.8% 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 10989's numbers, next.
- See how ZIP 10989 compares to a neighboring ZIP code on the same Census fields Compare this ZIP
- Check where Valley Cottage, 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.