PlainZIP

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
$134,267
Median income
$549,700
Median home value
58.2%
Bachelor's or higher

The verdict

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.

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 New York average), while per-capita income is $64,717. Local economic indicators show a 2.8% poverty rate alongside 9.2% unemployment. Median home value sits at $549,700 (45% above the state average), median rent at $2,065 a month, and owner-occupancy at 89.4%.

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. Beyond these figures, 10 nearby ZIP codes within about 10 miles are surfaced below, along with 6 more sharing Rockland County, letting you compare 10989 to its immediate surroundings rather than a national baseline alone.

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.

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 · ZIP Code Business Patterns (ZBP) As of 2023

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

Neighborhood Scorecard
Get an A-F grade across income, safety, housing, rent, education, commute, and childcare for this ZIP code.
View Scorecard →

Who lives in ZIP 10989?

46.8

Median Age

50.2%

Male

49.8%

Female

20.1%

Foreign-Born

White 58.7%
African American 11.6%
Asian 9.9%
American Indian or Alaska Native 0.0%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 14.0%
Hispanic or Latino 18.9%

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

$64,717

Per Capita Income

2.8%

Poverty Rate

9.2%

Unemployment Rate

32.7 min

Mean Commute Time

How ZIP 10989 ranks nationally

Valley Cottage, NY household income vs. every US ZIP code

Median household income, the full national distribution, with this ZIP marked

$134,267 Top 6% higher than 94% of 30,318 US ZIPs

$0–$20,000: 118 US ZIPs (0%). Below this entry. $20,000–$40,000: 1,573 US ZIPs (5%). Below this entry. $40,000–$60,000: 7,092 US ZIPs (23%). Below this entry. $60,000–$80,000: 9,980 US ZIPs (33%). Below this entry. $80,000–$100,000: 5,778 US ZIPs (19%). Below this entry. $100,000–$120,000: 2,855 US ZIPs (9%). Below this entry. $120,000–$140,000: 1,362 US ZIPs (4%). This entry sits in this band. $140,000–$160,000: 686 US ZIPs (2%). Above this entry. $160,000–$180,000: 364 US ZIPs (1%). Above this entry. $180,000–$200,000: 186 US ZIPs (1%). Above this entry. $200,000–$220,000: 324 US ZIPs (1%). Above this entry. This ZIP $0 $200K+ every reporting US ZIP, bucketed by value

Each bar is a $20K-wide band; taller bars hold more US 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?

High School Graduate or Higher 73.0%
Bachelor's Degree or Higher 58.2%

Source: U.S. Census Bureau, ACS 5-Year Estimates (2023)

What does housing look like?

3,526

Total Housing Units

3,328

Occupied Units

198

Vacant Units

2.68

Avg Household Size

Occupancy Type

Owner 89.4%
Renter 10.6%

$549,700

Median Home Value

+45% vs state

$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.

residents

What this shows Among its immediate neighbors, ZIP 10989 ranks #5 by population - useful context the national average alone can't give.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023

ZIP 10989 vs its nearest neighbors, by median income

Median household income of this ZIP and the closest reporting ZIP codes within ~10 miles.

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.

Source U.S. Census Bureau · ACS 5-Year Estimates As of 2019–2023
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

More ZIP Codes in Rockland County

10977 standard
Spring Valley, NY
Pop: 59,048
10952 standard
Monsey, NY
Pop: 38,917
10956 standard
New City, NY
Pop: 31,521
10901 standard
Suffern, NY
Pop: 23,465
10954 standard
Nanuet, NY
Pop: 23,045
10960 standard
Nyack, NY
Pop: 15,093

Related Areas

Rockland County Valley Cottage, NY New York

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.

Read our methodology to see how this data is sourced, computed, and verified.