ZIP Code 10989
standardSource:
Valley Cottage · Rockland County · New York
- Population
- 9,293
- Median income
- $134,267
- Median home value
- $549,700
- Bachelor's or higher
- 58.2%
- Land area
- 12.8 sq mi
728/sq mi
▲ 76% vs US
higher than 94% of US ZIPs
▲ 98% vs US
higher than 89% of US ZIPs
Median age 46.8
New York
ZIP code 10989 in Valley Cottage, New York has a population of 9,293. The median household income is $134,267, which is 76% above the national average. Median home value is $549,700, 98% above the US average. 58.2% of residents hold a bachelor's degree or higher.
ZIP code 10989 is classified by USPS as a standard delivery area and covers roughly 12.8 square miles in Valley Cottage, Rockland County, New York. The area is home to 9,293 residents, producing a population density of 728 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 10989 against New York and the nation.
On the economic side, the median household income for ZIP 10989 sits at $134,267 (45% above the New York average), while per-capita income is $64,717. The poverty rate stands at 2.8% and the unemployment rate at 9.2%. On housing, the median home value is $549,700 (45% above the state average) with median rent at $2,065 per month, and 89.4% of occupied units are owner-occupied, a direct signal of whether 10989 behaves more like a homeowner neighborhood or a renter-heavy ZIP.
Education and household profile round out the picture: 58.2% of adults hold a bachelor's degree or higher, the median age is 46.8, and the average commute is 33 minutes. We also surface 10 nearby ZIP codes within roughly 10 miles and 6 additional ZIPs sharing Rockland County, so you can benchmark 10989 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 →
Top industries in ZIP 10989
Top 5 sectors by establishment count
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 + HUD FMR + FHFA HPI ACS demographics, ZBP business establishments, HUD Fair Market Rents, 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; HUD FMR + 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
$64,717
Per Capita Income
2.8%
Poverty Rate
9.2%
Unemployment Rate
32.7 min
Mean Commute Time
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?
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
$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 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
Related Areas
Frequently Asked Questions
What county is ZIP code 10989 in? ▼
What is the population of ZIP code 10989? ▼
What is the median household income in ZIP 10989? ▼
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What is the demographic makeup of ZIP 10989? ▼
How many businesses are in ZIP code 10989? ▼
What are the main industries in ZIP code 10989? ▼
How have home values changed in ZIP code 10989? ▼
What is the education level in ZIP code 10989? ▼
What is the average commute time in ZIP 10989? ▼
What percentage of residents own vs. rent in ZIP 10989? ▼
What is the poverty rate in ZIP code 10989? ▼
ZIP Code Research Guides
Official Data Resources for Valley Cottage, 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.