PlainZIP

Warwick, NY · standard

ZIP Code 10990

Orange County, New York - Census ACS demographics, housing tenure, and business patterns, benchmarked against every US ZIP.

20,631
131/sq mi
$125,870
Median income
$501,600
Median home value
50.6%
Bachelor's or higher

The verdict

Warwick pairs a top-decile household income with upper-quartile home values, in a rural, homeowner-dominated area.

Top 8%
household income, US ZIPs
Top 13%
home value, US ZIPs
131
people per sq mi
77%
owner-occupied homes

Source: U.S. Census Bureau ACS 5-Year Estimates (2019–2023). Percentiles rank ZIP 10990 against every reporting US ZIP.

ZIP code 10990 is a densely settled ZIP (a standard USPS delivery area) in Warwick, Orange County, New York, with 20,631 residents across 157.6 square miles, a density of 131 people per square mile, in the New York time zone.

ZIP 10990 skews affluent, with a median household income of $125,870 (36% above the New York average), while per-capita income is $62,125. Local economic indicators show a 4.2% poverty rate alongside 3.7% unemployment. The typical home here is valued at $501,600 (33% above the state average); renters pay a median of $1,453 monthly, and 77.3% of units are owner-occupied.

This is a highly-educated ZIP: 50.6% of adults hold a bachelor's degree or higher, the median age is 46, and the average commute is 42 minutes. A geography-based comparison follows: 10 ZIP codes within about 10 miles of 10990, plus 6 more within Orange County, give a clearer read than the national average 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 10990

Top 5 sectors by establishment count in Warwick, NY

Which industries have the most business establishments in ZIP 10990.

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 10990, Warwick, 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

20,631

Population

157.6

Area (sq mi)

131

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 10990?

46.0

Median Age

49.7%

Male

50.3%

Female

9.9%

Foreign-Born

White 79.0%
African American 2.8%
Asian 1.6%
American Indian or Alaska Native 1.4%
Native Hawaiian or Pacific Islander 0.0%
Two or More Ethnicities 6.5%
Hispanic or Latino 14.0%

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?

$125,870

Median Household Income

+36% vs state

$62,125

Per Capita Income

4.2%

Poverty Rate

3.7%

Unemployment Rate

41.8 min

Mean Commute Time

How ZIP 10990 ranks nationally

Warwick, NY household income vs. every US ZIP code

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

$125,870 Top 8% higher than 92% 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 69.5%
Bachelor's Degree or Higher 50.6%

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

What does housing look like?

8,450

Total Housing Units

7,768

Occupied Units

682

Vacant Units

2.60

Avg Household Size

Occupancy Type

Owner 77.3%
Renter 22.7%

$501,600

Median Home Value

+33% vs state

$1,453

Median Rent

1980

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

+7.7%

YoY Change (2024)

250

HPI Index (2000 = 100)

+150%

Total Change Since 2000

Home values in ZIP 10990 have increased 7.7% over the past year (2024). Since 2000, this ZIP has seen +150% cumulative appreciation.

Year Annual Change HPI Index
2020 +3.7% 168
2021 +12.4% 189
2022 +15.3% 218
2023 +6.8% 232
2024 +7.7% 250

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 529 business establishments in ZIP 10990, employing approximately 3,807 people with a combined annual payroll of $163,447,000.

529

Businesses

3,807

Employees

$163.4M

Annual Payroll

16

Industry Sectors

Industry Establishments % of Total
Professional, scientific, and technical services 79 14.9%
Accommodation and food services 69 13.0%
Health care and social assistance 64 12.1%
Construction 56 10.6%
Retail trade 51 9.6%
Other services (except public administration) 51 9.6%
Administrative and support and waste management and remediation services 39 7.4%
Finance and insurance 25 4.7%
Real estate and rental and leasing 19 3.6%
Arts, entertainment, and recreation 17 3.2%
Wholesale trade 14 2.6%
Manufacturing 12 2.3%
Transportation and warehousing 11 2.1%
Information 10 1.9%
Educational services 7 1.3%
Agriculture, forestry, fishing and hunting 3 0.6%

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 10990 vs 10921 →

ZIP 10990 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 10990 ranks the most populous - useful context the national average alone can't give.

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

ZIP 10990 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 10990 ranks #5 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
10921 Florida, NY 4,135 4.5 mi
07421 Hewitt, NJ 7,439 6.8 mi
10925 Greenwood Lake, NY 4,539 5.0 mi
10979 Sterling Forest, NY 234 6.2 mi
10924 Goshen, NY 13,120 8.0 mi
07418 Glenwood, NJ 2,249 6.6 mi
10969 Pine Island, NY 1,267 6.7 mi
07422 Highland Lakes, NJ 6,616 7.2 mi
10958 New Hampton, NY 3,291 8.2 mi
07462 Vernon, NJ 6,885 7.8 mi

More ZIP Codes in Orange County

12550 standard
Newburgh, NY
Pop: 54,447
10940 standard
Middletown, NY
Pop: 48,418
10950 standard
Monroe, NY
Pop: 47,226
12553 standard
New Windsor, NY
Pop: 24,438
12771 standard
Port Jervis, NY
Pop: 14,511
10941 standard
Middletown, NY
Pop: 13,779

Related Areas

Orange County Warwick, NY New York

Frequently Asked Questions

What county is ZIP code 10990 in? ▼
ZIP code 10990 (Warwick) is located in Orange County, New York. Orange County contains multiple ZIP codes, see the full list at /counties/orange-ny.
What is the population of ZIP code 10990? ▼
ZIP code 10990 in Warwick, NY has a population of 20,631 according to the Census Bureau ACS 2023 estimates.
What is the median household income in ZIP 10990? ▼
The median household income in ZIP 10990 is $125,870, which is 65% above the national average of $76,288.
What is the average home value in ZIP 10990? ▼
The median home value in ZIP 10990 is $501,600, which is 80% above the national average of $278,155.
What is the demographic makeup of ZIP 10990? ▼
The largest racial group in ZIP 10990 is White at 79.0%. Hispanic or Latino residents make up 14.0% of the population.
How many businesses are in ZIP code 10990? ▼
ZIP code 10990 has 529 business establishments employing approximately 3,807 people, according to Census Bureau ZIP Code Business Patterns (ZBP) 2023 data.
What are the main industries in ZIP code 10990? ▼
The top industries by establishment count in ZIP 10990 are: Professional, scientific, and technical services (79), Accommodation and food services (69), Health care and social assistance (64). There are 16 industry sectors represented in total.
How have home values changed in ZIP code 10990? ▼
According to the FHFA House Price Index, home values in ZIP 10990 increased by 7.7% in 2024. Since 2000, home values in this ZIP have appreciated by approximately 150%. 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 10990? ▼
In ZIP code 10990, 69.5% of residents aged 25+ have a high school diploma or higher, and 50.6% 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 10990? ▼
The mean commute time for workers in ZIP code 10990 is 41.8 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 10990? ▼
In ZIP code 10990, approximately 77.3% of occupied housing units are owner-occupied and 22.7% are renter-occupied, based on Census ACS 2023 data.
What is the poverty rate in ZIP code 10990? ▼
The poverty rate in ZIP code 10990 is 4.2% 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.