Zip code 10538: Larchmont, New York

Q: What city is zip code 10538?

10538 is assigned to Larchmont, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 10538 in?

10538 is in Westchester County, New York.

Q: What is the population of 10538?

About 17,760 people live in 10538, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 10538?

The median household income in 10538 is $207,969.

Q: What zip codes are near 10538?

The closest zip codes to 10538 are 10543, 10804, 10801, 10802, 10709.

Residential delivery areaWestchester CountyEastern Time

Population

17,760

Median household income

$208K

U.S. $81K

Median home value

$1.3M

U.S. $333K

Median rent

$2,236/mo

U.S. $1,413

Median age

41.1

U.S. 38.9

Land area

3.5 sq mi

5,054 people/sq mi

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

About 10538

10538 is an urban zip code in Larchmont, New York (Westchester County), covering 3.5 sq mi of land. About 17,760 people live here, or 5,054 per square mile. The median resident is 41.1 years old, compared with 38.9 nationally.

The median household earns $207,969 a year, about 2.6× the national median of $80,734. 3% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $1,266,600, or 6.1 years of median household income (U.S.: 4.1 years), which makes homes relatively expensive for local earners. 78% of occupied homes are lived in by their owners, and renters pay a median of $2,236 a month.

83% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 39 minutes each way, and 30% of workers work from home. The most common jobs among working residents are in management; legal and social services; and healthcare. 15% of them are self-employed (U.S.: 10%). 24% of households speak a language other than English at home, most often another Indo-European language such as French, German, Russian or Hindi.

How 10538 compares

Sorted from highest to lowest national percentile

Median household income$207,969
99th
StrengthU.S. $80,734 · NY $85,97433rd of 1,602 in NY
Per capita income$147,287
99th
StrengthU.S. $44,673 · NY $50,71222nd of 1,690 in NY
Bachelor's degree or higher82.5%
99th
StrengthU.S. 35.7% · NY 40.2%35th of 1,691 in NY
Median earnings per worker$124,196
99th
StrengthU.S. $49,666 · NY $55,32126th of 1,676 in NY
Median home value$1,266,600
98th
U.S. $332,700 · NY $423,80036th of 1,614 in NY
Income inequality (Gini)0.553
98th
WeaknessU.S. 0.483 · NY 0.51778th of 1,669 in NY
Average commute39 min
96th
WeaknessU.S. 26.4 min · NY 32.6 min216th of 1,618 in NY
Work from home29.8%
94th
U.S. 15.1% · NY 14.9%94th of 1,685 in NY
Rent-burdened renters65.6%
94th
WeaknessU.S. 51.1% · NY 52.1%245th of 1,579 in NY
Median gross rent$2,236
91st
U.S. $1,413 · NY $1,621185th of 1,367 in NY
Self-employed workers15.2%
91st
U.S. 10% · NY 9.7%339th of 1,685 in NY
Broadband access96.6%
90th
StrengthU.S. 91% · NY 90.8%249th of 1,673 in NY
Residents under 1827.1%
87th
U.S. 22% · NY 20.5%157th of 1,693 in NY
Population density5,054/sq mi
81st
U.S. 95/sq mi · NY 421/sq mi295th of 1,693 in NY
Healthcare workers11.4%
75th
U.S. 9.7% · NY 11.8%639th of 1,685 in NY
Homeownership rate78.3%
74th
U.S. 65.2% · NY 54.3%906th of 1,673 in NY
Unemployment rate6.1%
70th
U.S. 5.2% · NY 6.4%541st of 1,685 in NY
Median age41.1
66th
U.S. 38.9 · NY 39.81,097th of 1,693 in NY
Foreign-born residents14.3%
63rd
U.S. 14.1% · NY 22.8%415th of 1,693 in NY
Tech workers3.1%
54th
U.S. 3.8% · NY 3.5%531st of 1,685 in NY
Residents 65 and older15%
38th
U.S. 17.2% · NY 17.9%1,349th of 1,693 in NY
Diversity index34.4
29th
U.S. 61.4 · NY 65.5666th of 1,693 in NY
Housing vacancy4.6%
29th
U.S. 10.1% · NY 10%1,317th of 1,675 in NY
Government workers11.3%
29th
U.S. 14.5% · NY 16.4%1,438th of 1,685 in NY
Population17,760
27th
U.S. 334,922,499 · NY 19,852,366361st of 1,693 in NY
Veterans2.1%
7th
U.S. 6.2% · NY 3.7%1,444th of 1,693 in NY
Uninsured rate1.8%
4th
StrengthU.S. 8.4% · NY 5.1%1,296th of 1,689 in NY
Poverty rate3%
3rd
StrengthU.S. 12.5% · NY 14%1,498th of 1,679 in NY

Measure	10538	Westchester	NY	U.S.	National percentile	Rank in NY
Median household incomeStrength	$207,969	$118,976	$85,974	$80,734	99th	33rd of 1,602
Per capita incomeStrength	$147,287	$72,705	$50,712	$44,673	99th	22nd of 1,690
Bachelor's degree or higherStrength	82.5%	53.1%	40.2%	35.7%	99th	35th of 1,691
Median earnings per workerStrength	$124,196	$70,215	$55,321	$49,666	99th	26th of 1,676
Median home value	$1,266,600	$663,200	$423,800	$332,700	98th	36th of 1,614
Income inequality (Gini)Weakness	0.553	0.538	0.517	0.483	98th	78th of 1,669
Average commuteWeakness	39 min	34.6 min	32.6 min	26.4 min	96th	216th of 1,618
Work from home	29.8%	19.1%	14.9%	15.1%	94th	94th of 1,685
Rent-burdened rentersWeakness	65.6%	54.1%	52.1%	51.1%	94th	245th of 1,579
Median gross rent	$2,236	$1,951	$1,621	$1,413	91st	185th of 1,367
Self-employed workers	15.2%	11.1%	9.7%	10%	91st	339th of 1,685
Broadband accessStrength	96.6%	93.7%	90.8%	91%	90th	249th of 1,673
Residents under 18	27.1%	21.3%	20.5%	22%	87th	157th of 1,693
Population density	5,054/sq mi	2,320/sq mi	421/sq mi	95/sq mi	81st	295th of 1,693
Healthcare workers	11.4%	10.9%	11.8%	9.7%	75th	639th of 1,685
Homeownership rate	78.3%	61.8%	54.3%	65.2%	74th	906th of 1,673
Unemployment rate	6.1%	6.1%	6.4%	5.2%	70th	541st of 1,685
Median age	41.1	41.8	39.8	38.9	66th	1,097th of 1,693
Foreign-born residents	14.3%	26.1%	22.8%	14.1%	63rd	415th of 1,693
Tech workers	3.1%	3.4%	3.5%	3.8%	54th	531st of 1,685
Residents 65 and older	15%	18.2%	17.9%	17.2%	38th	1,349th of 1,693
Diversity index	34.4	66.2	65.5	61.4	29th	666th of 1,693
Housing vacancy	4.6%	5.4%	10%	10.1%	29th	1,317th of 1,675
Government workers	11.3%	15.4%	16.4%	14.5%	29th	1,438th of 1,685
Population	17,760	999,677	19,852,366	334,922,499	27th	361st of 1,693
Veterans	2.1%	2.9%	3.7%	6.2%	7th	1,444th of 1,693
Uninsured rateStrength	1.8%	5.1%	5.1%	8.4%	4th	1,296th of 1,689
Poverty rateStrength	3%	9%	14%	12.5%	3rd	1,498th of 1,679

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

21%

5–17

18–24

10%

25–34

15%

35–44

15%

45–54

14%

55–64

65–74

75+

Median age

41.1

Under 18

27.1%

65 and over

15%

Race and ethnicity

White80%
Black4%
Hispanic8%
Asian3%
Native American0.2%
Pacific Islander0%
Other0.7%
Multiracial4%

Diversity index

34.4

U.S. 61.4

Foreign-born

14.3%

U.S. 14.1%

Born in state

56%

Language spoken at home (households)

English only

76%

Spanish

Other Indo-European

13%

Asian / Pacific

Other

Households

Households: 6,743
Average household size: 2.6
Family households: 74.4%
Married couples: 66.9%
Living alone: 22.9%
Veterans (of adults): 2.1%
Male / female: 48% / 52%

Income and poverty

Household income distribution

<$25k

$25–50k

$50–75k

$75–100k

$100–150k

10%

$150–200k

$200k+

50%

Median household income

10538

$207,969

Westchester Co.

$118,976

New York

$85,974

United States

$80,734

Per capita income

$147,287

U.S. $44,673

Poverty rate

U.S. 12.5%

Households earning $150K+

59.5%

U.S. 23%

Income inequality (Gini)

0.553

U.S. 0.483

Housing

Median home value

10538

$1,266,600

Westchester Co.

$663,200

New York

$423,800

United States

$332,700

Median gross rent

10538

$2,236

Westchester Co.

$1,951

New York

$1,621

United States

$1,413

Types of housing

Single-family

65%

2–4 units

5–19 units

20+ units

26%

Mobile home

Boat, RV, van

Housing units: 7,070
Owner-occupied: 78.3%
Vacant: 4.6%
Median year built: 1939 or earlier
Median rooms: 6.8
Renters paying 30%+ of income: 65.6%
Renters paying 50%+ of income: 34.4%
Home value to income: 6.1× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

35%

Carpooled

Transit

26%

Walked

Bicycle

0.2%

Worked from home

30%

Other

Commute time (one way)

<10 min

10%

10–19

14%

20–29

30–44

23%

45–59

18%

60+

27%

Average commute

39 min

U.S. 26.4 min

Unemployment

6.1%

U.S. 5.2%

In labor force

71.7%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

20%

Legal and social services

12%

Healthcare

11%

Sales

11%

Business and finance

Education

Arts, media and sports

Engineering and science

Office and admin

Cleaning and personal care

Construction and repair

Computer and math

Police and fire

Production

Transportation and moving

0.8%

Food service

0.3%

Farming, fishing and forestry

Industries

Professional and technical services

20%

Finance, insurance and real estate

19%

Health care and social assistance

18%

Education

10%

Retail

Information

Other services

Manufacturing

Construction

Arts and recreation

Public administration

Transportation, warehousing and utilities

Admin, support and management

Wholesale

Restaurants and hotels

0.8%

Agriculture and mining

Median earnings per worker

$124,196

U.S. $49,666

Self-employed

15.2%

U.S. 10%

Government workers

11.3%

U.S. 14.5%

Nonprofit workers

9.9%

U.S. 8.8%

Median earnings by type of work

Type of work	10538	U.S.
Management, business, science and arts	$158,894	$74,888
Service	$39,177	$26,804
Sales and office	$121,506	$40,476
Construction and maintenance	$74,538	$49,199
Production and transportation	$48,920	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

Some college

Associate's

Bachelor's

35%

Graduate

47%

High school graduate or higher: 98.6%
Bachelor's degree or higher: 82.5%
Graduate or professional degree: 47.2%
Households with broadband: 96.6%
Cable, fiber or DSL: 86.3%
No internet access: 0.8%
Without health insurance: 1.8%
Limited-English households: 2.2%

Geography

City (USPS): Larchmont
State: New York
County: Westchester County
Center point: 40.9378° N, 73.7565° W
Land area: 3.5 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

Larchmont31% of zip
New Rochelle3% of zip
Mamaroneck2% of zip

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

Zip codes near 10538

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
10543	Mamaroneck, NY	1.5 mi	20,989	$126,417	$729,600
10804	New Rochelle, NY	1.8 mi	16,108	$250,000+	$927,000
10801	New Rochelle, NY	2 mi	42,754	$85,573	$575,300
10802	New Rochelle, NY · PO box	2.3 mi	—	—	—
10709	Eastchester, NY	2.9 mi	10,352	$170,417	$847,900
10528	Harrison, NY	3.1 mi	14,091	$154,416	$937,500
10805	New Rochelle, NY	3.6 mi	20,903	$102,109	$368,100
10552	Mount Vernon, NY	3.7 mi	22,341	$96,717	$363,100
10803	Pelham, NY	3.7 mi	13,072	$215,208	$978,600
10707	Tuckahoe, NY	3.8 mi	9,688	$130,957	$773,200
10708	Bronxville, NY	3.8 mi	22,482	$126,343	$511,200
10583	Scarsdale, NY	3.9 mi	40,207	$250,000+	$1,183,200

Zip codes like 10538 elsewhere

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

Questions about 10538

What city is zip code 10538?

10538 is assigned to Larchmont, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 10538 in?

10538 is in Westchester County, New York.

What is the population of 10538?

About 17,760 people live in 10538, according to the Census Bureau's American Community Survey.

What time zone is 10538 in?

10538 is in Eastern Time.

What is the median household income in 10538?

The median household income in 10538 is $207,969.

What zip codes are near 10538?

The closest zip codes to 10538 are 10543, 10804, 10801, 10802, 10709.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 10538, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.