Zip code 10523: Elmsford, New York

Q: What city is zip code 10523?

10523 is assigned to Elmsford, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 10523 in?

10523 is in Westchester County, New York.

Q: What is the population of 10523?

About 9,450 people live in 10523, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 10523?

The median household income in 10523 is $118,438.

Q: What zip codes are near 10523?

The closest zip codes to 10523 are 10607, 10603, 10591, 10533, 10530.

Residential delivery areaWestchester CountyEastern Time

Population

9,450

Median household income

$118K

U.S. $81K

Median home value

$588K

U.S. $333K

Median rent

$2,978/mo

U.S. $1,413

Median age

33.9

U.S. 38.9

Land area

3.7 sq mi

2,592 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 10523

10523 is an urban zip code in Elmsford, New York (Westchester County), covering 3.7 sq mi of land. About 9,450 people live here, or 2,592 per square mile. The median resident is 33.9 years old, compared with 38.9 nationally.

The median household earns $118,438 a year, 47% above the national median of $80,734. 7.2% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $588,100, or 5.0 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 52% of occupied homes are lived in by their owners, and renters pay a median of $2,978 a month.

50% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 28.8 minutes each way, and 12% of workers work from home. The most common jobs among working residents are in office and administrative support; healthcare; and construction and repair. 48% of households speak a language other than English at home, most often Spanish.

How 10523 compares

Sorted from highest to lowest national percentile

Median gross rent$2,978
98th
U.S. $1,413 · NY $1,62156th of 1,367 in NY
Diversity index70.3
94th
U.S. 61.4 · NY 65.557th of 1,693 in NY
Foreign-born residents34.7%
91st
U.S. 14.1% · NY 22.8%112th of 1,693 in NY
Median earnings per worker$69,407
86th
StrengthU.S. $49,666 · NY $55,321298th of 1,676 in NY
Healthcare workers12.7%
86th
U.S. 9.7% · NY 11.8%459th of 1,685 in NY
Median household income$118,438
84th
StrengthU.S. $80,734 · NY $85,974333rd of 1,602 in NY
Rent-burdened renters60.6%
84th
WeaknessU.S. 51.1% · NY 52.1%374th of 1,579 in NY
Median home value$588,100
81st
U.S. $332,700 · NY $423,800342nd of 1,614 in NY
Unemployment rate7.2%
81st
WeaknessU.S. 5.2% · NY 6.4%378th of 1,685 in NY
Bachelor's degree or higher50%
79th
U.S. 35.7% · NY 40.2%358th of 1,691 in NY
Housing vacancy11.8%
78th
U.S. 10.1% · NY 10%766th of 1,675 in NY
Government workers17.9%
76th
U.S. 14.5% · NY 16.4%865th of 1,685 in NY
Per capita income$51,968
75th
U.S. $44,673 · NY $50,712497th of 1,690 in NY
Average commute28.8 min
67th
U.S. 26.4 min · NY 32.6 min706th of 1,618 in NY
Broadband access94.1%
67th
U.S. 91% · NY 90.8%502nd of 1,673 in NY
Population density2,592/sq mi
63rd
U.S. 95/sq mi · NY 421/sq mi402nd of 1,693 in NY
Residents under 1823.5%
63rd
U.S. 22% · NY 20.5%392nd of 1,693 in NY
Uninsured rate8%
59th
U.S. 8.4% · NY 5.1%225th of 1,689 in NY
Self-employed workers9.1%
47th
U.S. 10% · NY 9.7%938th of 1,685 in NY
Work from home11.5%
43rd
U.S. 15.1% · NY 14.9%836th of 1,685 in NY
Tech workers2.2%
37th
U.S. 3.8% · NY 3.5%789th of 1,685 in NY
Poverty rate7.2%
26th
U.S. 12.5% · NY 14%1,092nd of 1,679 in NY
Homeownership rate51.9%
20th
WeaknessU.S. 65.2% · NY 54.3%1,421st of 1,673 in NY
Veterans3.5%
20th
U.S. 6.2% · NY 3.7%1,208th of 1,693 in NY
Population9,450
15th
U.S. 334,922,499 · NY 19,852,366535th of 1,693 in NY
Median age33.9
15th
U.S. 38.9 · NY 39.81,542nd of 1,693 in NY
Income inequality (Gini)0.391
15th
StrengthU.S. 0.483 · NY 0.5171,173rd of 1,669 in NY
Residents 65 and older9.9%
8th
U.S. 17.2% · NY 17.9%1,601st of 1,693 in NY

Measure	10523	Westchester	NY	U.S.	National percentile	Rank in NY
Median gross rent	$2,978	$1,951	$1,621	$1,413	98th	56th of 1,367
Diversity index	70.3	66.2	65.5	61.4	94th	57th of 1,693
Foreign-born residents	34.7%	26.1%	22.8%	14.1%	91st	112th of 1,693
Median earnings per workerStrength	$69,407	$70,215	$55,321	$49,666	86th	298th of 1,676
Healthcare workers	12.7%	10.9%	11.8%	9.7%	86th	459th of 1,685
Median household incomeStrength	$118,438	$118,976	$85,974	$80,734	84th	333rd of 1,602
Rent-burdened rentersWeakness	60.6%	54.1%	52.1%	51.1%	84th	374th of 1,579
Median home value	$588,100	$663,200	$423,800	$332,700	81st	342nd of 1,614
Unemployment rateWeakness	7.2%	6.1%	6.4%	5.2%	81st	378th of 1,685
Bachelor's degree or higher	50%	53.1%	40.2%	35.7%	79th	358th of 1,691
Housing vacancy	11.8%	5.4%	10%	10.1%	78th	766th of 1,675
Government workers	17.9%	15.4%	16.4%	14.5%	76th	865th of 1,685
Per capita income	$51,968	$72,705	$50,712	$44,673	75th	497th of 1,690
Average commute	28.8 min	34.6 min	32.6 min	26.4 min	67th	706th of 1,618
Broadband access	94.1%	93.7%	90.8%	91%	67th	502nd of 1,673
Population density	2,592/sq mi	2,320/sq mi	421/sq mi	95/sq mi	63rd	402nd of 1,693
Residents under 18	23.5%	21.3%	20.5%	22%	63rd	392nd of 1,693
Uninsured rate	8%	5.1%	5.1%	8.4%	59th	225th of 1,689
Self-employed workers	9.1%	11.1%	9.7%	10%	47th	938th of 1,685
Work from home	11.5%	19.1%	14.9%	15.1%	43rd	836th of 1,685
Tech workers	2.2%	3.4%	3.5%	3.8%	37th	789th of 1,685
Poverty rate	7.2%	9%	14%	12.5%	26th	1,092nd of 1,679
Homeownership rateWeakness	51.9%	61.8%	54.3%	65.2%	20th	1,421st of 1,673
Veterans	3.5%	2.9%	3.7%	6.2%	20th	1,208th of 1,693
Population	9,450	999,677	19,852,366	334,922,499	15th	535th of 1,693
Median age	33.9	41.8	39.8	38.9	15th	1,542nd of 1,693
Income inequality (Gini)Strength	0.391	0.538	0.517	0.483	15th	1,173rd of 1,669
Residents 65 and older	9.9%	18.2%	17.9%	17.2%	8th	1,601st of 1,693

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

17%

5–17

11%

18–24

18%

25–34

16%

35–44

12%

45–54

10%

55–64

65–74

75+

Median age

33.9

Under 18

23.5%

65 and over

9.9%

Race and ethnicity

White25%
Black17%
Hispanic44%
Asian11%
Native American0.5%
Pacific Islander0%
Other1%
Multiracial2%

Diversity index

70.3

U.S. 61.4

Foreign-born

34.7%

U.S. 14.1%

Born in state

56.1%

Language spoken at home (households)

English only

52%

Spanish

33%

Other Indo-European

Asian / Pacific

Other

Households

Households: 3,180
Average household size: 3
Family households: 73.7%
Married couples: 45.8%
Living alone: 18.7%
Veterans (of adults): 3.5%
Male / female: 47% / 53%

Income and poverty

Household income distribution

<$25k

$25–50k

$50–75k

$75–100k

15%

$100–150k

26%

$150–200k

15%

$200k+

23%

Median household income

10523

$118,438

Westchester Co.

$118,976

New York

$85,974

United States

$80,734

Per capita income

$51,968

U.S. $44,673

Poverty rate

7.2%

U.S. 12.5%

Households earning $150K+

38.8%

U.S. 23%

Income inequality (Gini)

0.391

U.S. 0.483

Housing

Median home value

10523

$588,100

Westchester Co.

$663,200

New York

$423,800

United States

$332,700

Median gross rent

10523

$2,978

Westchester Co.

$1,951

New York

$1,621

United States

$1,413

Types of housing

Single-family

44%

2–4 units

13%

5–19 units

24%

20+ units

19%

Mobile home

Boat, RV, van

Housing units: 3,606
Owner-occupied: 51.9%
Vacant: 11.8%
Median year built: 1966
Median rooms: 4.8
Renters paying 30%+ of income: 60.6%
Renters paying 50%+ of income: 28.8%
Home value to income: 5.0× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

64%

Carpooled

10%

Transit

12%

Walked

Bicycle

Worked from home

11%

Other

0.8%

Commute time (one way)

<10 min

13%

10–19

25%

20–29

21%

30–44

23%

45–59

60+

12%

Average commute

28.8 min

U.S. 26.4 min

Unemployment

7.2%

U.S. 5.2%

In labor force

74.4%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Office and admin

14%

Healthcare

13%

Construction and repair

11%

Management

Sales

Education

Cleaning and personal care

Legal and social services

Business and finance

Transportation and moving

Food service

Engineering and science

Police and fire

Computer and math

Production

Arts, media and sports

0.9%

Farming, fishing and forestry

0.1%

Industries

Health care and social assistance

18%

Education

12%

Construction

12%

Professional and technical services

Retail

Restaurants and hotels

Public administration

Transportation, warehousing and utilities

Admin, support and management

Manufacturing

Finance, insurance and real estate

Other services

Arts and recreation

Information

Wholesale

Agriculture and mining

0.1%

Median earnings per worker

$69,407

U.S. $49,666

Self-employed

9.1%

U.S. 10%

Government workers

17.9%

U.S. 14.5%

Nonprofit workers

12%

U.S. 8.8%

Median earnings by type of work

Type of work	10523	U.S.
Management, business, science and arts	$96,250	$74,888
Service	$48,071	$26,804
Sales and office	$44,795	$40,476
Construction and maintenance	$59,278	$49,199
Production and transportation	$52,473	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

10%

High school

20%

Some college

12%

Associate's

Bachelor's

34%

Graduate

16%

High school graduate or higher: 90.3%
Bachelor's degree or higher: 50%
Graduate or professional degree: 16.4%
Households with broadband: 94.1%
Cable, fiber or DSL: 79%
No internet access: 4.8%
Without health insurance: 8%
Limited-English households: 7.2%

Geography

City (USPS): Elmsford
State: New York
County: Westchester County
Center point: 41.0595° N, 73.8192° W
Land area: 3.7 sq mi
Water area: under 0.1 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Elmsford28% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 10523

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
10607	White Plains, NY	1.5 mi	6,466	$168,603	$673,200
10603	White Plains, NY	2.1 mi	18,910	$121,026	$503,000
10591	Tarrytown, NY	2.2 mi	23,926	$104,984	$681,000
10533	Irvington, NY	2.4 mi	7,362	$174,038	$874,400
10530	Hartsdale, NY	2.5 mi	13,892	$121,722	$464,900
10595	Valhalla, NY	2.8 mi	7,243	$123,438	$723,100
10532	Hawthorne, NY	3 mi	5,347	$141,157	$697,600
10601	White Plains, NY	3.4 mi	11,930	$85,859	$372,900
10602	White Plains, NY · PO box	3.4 mi	—	—	—
10502	Ardsley, NY	3.5 mi	6,197	$250,000+	$845,700
10606	White Plains, NY	3.5 mi	17,341	$112,270	$682,300
10503	Ardsley On Hudson, NY	3.7 mi	132	$243,036	$868,600

Zip codes like 10523 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 10523

What city is zip code 10523?

10523 is assigned to Elmsford, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 10523 in?

10523 is in Westchester County, New York.

What is the population of 10523?

About 9,450 people live in 10523, according to the Census Bureau's American Community Survey.

What time zone is 10523 in?

10523 is in Eastern Time.

What is the median household income in 10523?

The median household income in 10523 is $118,438.

What zip codes are near 10523?

The closest zip codes to 10523 are 10607, 10603, 10591, 10533, 10530.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 10523, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.