| ZIP Code | 10538 |
|---|---|
| City | Larchmont |
| State | New York (NY) |
| County | Westchester County |
| Area Code | 914 |
| Elevation | 33 ft |
| Latitude | 40.937752 |
|---|---|
| Longitude | -73.756473 |
| Timezone | New York (DST) |
| FIPS | 36119 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 41.5 yrs |
|---|---|
| Avg Household Size | 2.63 |
| Below Poverty | 2.6% ▼ 74% below avg |
| College Grads | 85.5% ▲ 121% above avg |
| Unemployment | 6.1% ▲ 25% above avg |
| No HS Diploma | 8 (0.1%) |
| HS Graduate | 715 (6.2%) |
| Some College | 304 (2.6%) |
| Associates | 647 (5.6%) |
| Bachelors | 362 (3.1%) |
| Graduate Degree | 9,534 (82.4%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $186,555 ▲ 144% above avg ↓ 5% since 2019 |
|---|---|
| Median Home Value | $1,185,300 ▲ 325% above avg ↑ 22% since 2019 |
| Home/Income Ratio | 6.4x (nat avg ~3.5x) |
| Median Rent | $2,115/mo ↑ 10% since 2019 |
| Total Units | 7,017 |
| Vacant Units | 302 |
| Avg HH Size | 2.63 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 7,017 |
|---|---|
| Vacant | 302 |
| Owner Occupied | 78.3% |
| Renter Occupied | 21.7% |
| Avg HH Size | 2.63 |
ZIP code 10538 is located in Larchmont, New York, within Westchester County. With a population of 17,709, this is a moderately populated ZIP code with a middle-aged community — the median age is 41.5 years. Economically, 10538 is a affluent ZIP code: the median household income of $186,555 is more than double the national average.
Real estate in ZIP code 10538 represents among the most expensive housing markets in the country. The median home value of $1,185,300 is more than double the national average. Renters can expect to pay around $2,115 per month in median rent. Homeownership is strong here — 78.3% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 22% since 2019.
The population of 10538 is primarily White (77.71%). Residents are highly educated — 85.5% hold a bachelor's degree or higher, which is more than double the national average. Poverty affects a relatively small share of residents at 2.6%. Household income has declined by 5% since 2019.
The unemployment rate in 10538 stands at 6.1%, which is above the national average. A notably high share of workers — 26% — work from home, reflecting the professional makeup of the area. As in most parts of the country, driving alone is the dominant commute mode at 35%.
Overall, ZIP code 10538 in Larchmont, NY is characterized as affluent, highly educated, a middle-aged community, and predominantly owner-occupied. With 17,709 residents, a median household income of $186,555, and a median home value of $1,185,300, it offers a clear picture of life in this part of New York.