ZIP Code 10028: Population, Income, Housing

State: NY

Total population: 49,077 Household income: $175,121 Rent: $2,825

Overview

Total population

49,077

Rent

$2,825

Year built

1957

Household income

$175,121

Per capita income

$165,387

Poverty rate

4.9%

Unemployment rate

N/A

Household size

1.9 persons

Rent over 30% of income

39.5%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Data are sourced from the American Community Survey (ACS) 5-Year Estimates, 2024 release — the latest dataset currently available. New 5-year estimates are published annually, about 6–12 months after the end of each reference year.

Demographics

State

New York

Borough

Manhattan

City

New York

Total population

49,077

Adults over 25

40,224

Total households

26,288

Household size

1.9 persons

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Income & Poverty

Household income

$175,121

Per capita income

$165,387

Poverty rate

4.9%

Unemployment rate

N/A

Rent over 30% of income

39.5%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Housing

Rent

$2,825

Year built

1957

Households that rent

61.5%

Households that own

38.5%

Rooms per home (all homes)

3.6

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Race

White

83%

Black

1.3%

Asian

6.4%

Two or more races

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Ethnicity

Hispanic or Latino

7.2%

Not Hispanic or Latino

92.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Commute

Commute rate

20,100 (69.3%)

Commute time to work

30 mins

Work from home

8,906 (30.7%)

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Education

Less than high school

8.8%

High school graduate or GED

4.4%

Some college or associate degree

3.1%

Bachelor’s degree or higher

83.8%

Note: Rent, income, and year built are shown as median values, while household size is shown as an average (see explanations below).

ZIP data use Census ZCTAs, which closely match USPS ZIP Codes in most cases (see FAQ for details).

Comparison of ZIP Code 10028 with: Manhattan, NY New York, NY New York metro area, NY-NJ New York State United States

ZIP 10028

Total population49,077

Rent$2,825

Year built1957

Household income$175,121

Per capita income$165,387

Poverty rate4.9%

Unemployment rateN/A

Manhattan, NY

Total population1,629,477

Rent$2,197

Year built1951

Household income$103,931

Per capita income$95,980

Poverty rate16.5%

Unemployment rate4.7%

New York, NY

Total population8,483,844

Rent$1,821

Year built1952

Household income$80,483

Per capita income$51,844

Poverty rate17.9%

Unemployment rate5.2%

New York Metro Area, NY-NJ

Total population19,798,537

Rent$1,830

Year built1960

Household income$99,155

Per capita income$55,691

Poverty rate12.7%

Unemployment rate4.5%

New York State

Total population19,852,366

Rent$1,621

Year built1959

Household income$85,974

Per capita income$50,712

Poverty rate14%

Unemployment rate4.3%

United States

Total population334,922,499

Rent$1,413

Year built1980

Household income$80,734

Per capita income$44,673

Poverty rate12.5%

Unemployment rate4%

Metric	ZIP10028	BoroughManhattan, NY	CityNew York, NY	Metro AreaNew York metro area, NY-NJ	StateNew York	CountryUnited States
Total population	49,077	1,629,477	8,483,844	19,798,537	19,852,366	334,922,499
Rent	$2,825	$2,197	$1,821	$1,830	$1,621	$1,413
Year built	1957	1951	1952	1960	1959	1980
Household income	$175,121	$103,931	$80,483	$99,155	$85,974	$80,734
Per capita income	$165,387	$95,980	$51,844	$55,691	$50,712	$44,673
Poverty rate	4.9%	16.5%	17.9%	12.7%	14%	12.5%
Unemployment rate	N/A	4.7%	5.2%	4.5%	4.3%	4%

View the full multi-level comparison →

Summary for 10028

This ZIP Code is located in Manhattan.

Rent & Income

In 10028, the typical monthly rent is $2,825 and the typical household income is $175,121. Rent here is higher than in both New York City and Manhattan, and household income is also higher than in both. The estimated poverty rate is 4.9%, which is lower than in both New York City and Manhattan.

Housing & Affordability

Renters make up about 61.5% of households, making this a predominantly renter area. Around 39.5% of renters are cost-burdened, indicating a moderate level of rent pressure.

Education & Employment

Educational attainment is very high, with about 83.8% of adults holding a bachelor’s degree or higher.

ZIP 10028 — Rent vs Household Income

ZIP 10028 — Poverty

How ZIP 10028 compares in New York State (210 ZIP Codes)

Metric	This ZIP	Rank	Starts from	State range
Rent	$2,825	192 / 210	from lower rent	$784 – $3,433
Household income	$175,121	7 / 210	from higher income	$24,086 – $250,001
Poverty rate	4.9%	20 / 210	from lower poverty	2% – 45.2%

Rankings are calculated among ZIP Codes in New York State with total population > 30,000 (year 2024).

Detailed Ranking Explanation for ZIP Code 10028

Rent

Rent-wise, this area comes 192nd out of 210 ZIP Codes in New York State. At the state level, values extend from $784 in ZIP 14701 up to $3,433 in ZIP 10016.

Household income

Looking at income levels, ZIP Code 10028 holds the 7th out of 210 ZIP Codes. In New York State as a whole, the range goes from $24,086 in ZIP 10454 up to $250,001 in ZIP 10583.

Poverty rate

Regarding poverty rate, ZIP Code 10028 ranks 20th out of 210 ZIP Codes. Statewide, values range from 2% in ZIP 11710 up to 45.2% in ZIP 10454.

💰 Rent in ZIP Code 10028 (with Utilities)

Estimated Monthly Rent: $2,825 ℹ️ What’s Included:
✅ Base rent, electricity, gas, water/sewer, and heating fuels
❌ Not included: internet, cable TV, renter's insurance, parking

💡 What does this rent estimate mean?

Explanation: This estimate shows what renters typically pay each month for housing — including the apartment or home and essential utilities like heat, water, and electricity.

Included in this number: Rent plus electricity, gas, water/sewer, and heating fuel.

Not included: Internet, cable, parking, renter’s insurance, or furniture rental.

Note: This cost does not depend on the number of people living in the home.

👨‍👧‍👦 Household Income in ZIP Code 10028

Annual Household Income: $175,121

💡 What does Household Income mean?

Definition: This represents the middle value of all household incomes in the ZIP code — half of households earn less, and half earn more.

Includes: wages, salaries, self-employment income, Social Security, pensions, investments, unemployment, public assistance, and rental income.

Does NOT include: capital gains, non-cash benefits (like food stamps), or tax refunds.

Household = any group of people (or a single person) living in the same housing unit.

Example: A couple earning $40,000 and $30,000 together have a household income of $70,000. If that's in the middle of all local incomes, it's the value shown here.

📉 Poverty Rate in ZIP Code 10028

Estimated Rate: 4.9%

💡 What does the Poverty Rate represent?

Definition: The percentage of people in this area living below the federal poverty threshold.

How it works: The threshold is a dollar amount set by the U.S. Census Bureau that varies by family size and age. If a household's income is below that level, everyone in it is included in this rate.

Example: In a town of 10,000 people, if 1,500 have incomes below the poverty line, the poverty rate is 15%.

Note: This statistic only includes people living in households; it does not count those in student housing, military barracks, or nursing homes.

🏘️ Renter vs. Owner Households in ZIP Code 10028

In ZIP Code 10028, households that rent: 16,175 (61.5%)

📊 What does the renter household percentage reveal about this ZIP Code?

Household Type	Count	Share
Renter-Occupied	16,175	61.5%
Owner-Occupied	10,113	38.5%

Definition: This is the percentage of households that rent their home rather than own it. It includes only occupied housing units.

Why it matters: Areas with a high share of renter households often have younger populations, higher mobility, and different housing needs compared to mostly owner-occupied areas.

Example: If 65% of homes in an area are renter-occupied, it means 65 out of every 100 households rent their home.

📉 Renters Spending Over 30% of Income on Rent in ZIP Code 10028

In ZIP Code 10028, cost-burdened renters (households spending over 30% of income on housing): 6,392 (39.5%)

🏚️ What Does It Mean When Renters Spend Over 30% of Their Income on Housing?

Household Group	Households	Share
Cost-burdened renters (over 30%)	6,392	39.5%
Other renter households	9,783	60.5%
Total renter households	16,175	100%

Shares are calculated as a percentage of renter households.

This shows how many renters in the ZIP code are considered cost-burdened — meaning they spend more than 30% of their income on housing (rent and basic utilities).

It’s a sign that housing might be unaffordable in the area or that lower-income residents may be struggling with rent.

Data comes from the U.S. Census Bureau’s American Community Survey.

📊 Education Levels in ZIP Code 10028

Less than High School: 3,522 people (8.8%)

Includes adults who did not complete high school.

High School Graduate or GED: 1,773 people (4.4%)

Includes adults whose highest education is a high school diploma or GED.

Some College or Associate Degree: 1,228 people (3.1%)

Includes adults who attended college without completing a bachelor’s degree (some college or associate degree).

Bachelor’s Degree or Higher: 33,701 people (83.8%)

Includes adults with a bachelor’s degree or higher (bachelor’s, master’s, professional, or doctoral degree).

👥 Total Adults (25+): 40,224

ℹ️ Have questions about how these statistics are calculated? See our data methodology & FAQs

Source: ACS 5-Year Estimates (U.S. Census Bureau) — unemployment rate from BLS. Some values are derived metrics.