ZIP Code 10550: Population, Income, Housing

State: NY

Total population: 38,972 Household income: $60,701 Rent: $1,532

Overview

Total population

38,972

Rent

$1,532

Year built

1956

Household income

$60,701

Per capita income

$33,256

Poverty rate

20.2%

Unemployment rate

N/A

Household size

2.6 persons

Rent over 30% of income

53.3%

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

County

Westchester County

City

Mount Vernon

Total population

38,972

Adults over 25

27,499

Total households

14,912

Household size

2.6 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

$60,701

Per capita income

$33,256

Poverty rate

20.2%

Unemployment rate

N/A

Rent over 30% of income

53.3%

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

$1,532

Year built

1956

Households that rent

71.8%

Households that own

28.2%

Rooms per home (all homes)

3.9

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

6.4%

Black

69%

Asian

0.8%

Two or more races

12.6%

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).

Ethnicity

Hispanic or Latino

21.8%

Not Hispanic or Latino

78.2%

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

15,908 (93.4%)

Commute time to work

35 mins

Work from home

1,126 (6.6%)

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).

Education

Less than high school

35.8%

High school graduate or GED

30.8%

Some college or associate degree

8.6%

Bachelor’s degree or higher

24.9%

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 10550 with: Westchester County, NY Mount Vernon, NY New York metro area, NY-NJ New York State United States

ZIP 10550

Total population38,972

Rent$1,532

Year built1956

Household income$60,701

Per capita income$33,256

Poverty rate20.2%

Unemployment rateN/A

Westchester County, NY

Total population999,677

Rent$1,951

Year built1959

Household income$118,976

Per capita income$72,705

Poverty rate9%

Unemployment rate3%

Mount Vernon, NY

Total population72,427

Rent$1,629

Year built1953

Household income$78,779

Per capita income$42,311

Poverty rate14.7%

Unemployment rate3.6%

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	ZIP10550	CountyWestchester, NY	CityMount Vernon, NY	Metro AreaNew York metro area, NY-NJ	StateNew York	CountryUnited States
Total population	38,972	999,677	72,427	19,798,537	19,852,366	334,922,499
Rent	$1,532	$1,951	$1,629	$1,830	$1,621	$1,413
Year built	1956	1959	1953	1960	1959	1980
Household income	$60,701	$118,976	$78,779	$99,155	$85,974	$80,734
Per capita income	$33,256	$72,705	$42,311	$55,691	$50,712	$44,673
Poverty rate	20.2%	9%	14.7%	12.7%	14%	12.5%
Unemployment rate	N/A	3%	3.6%	4.5%	4.3%	4%

View the full multi-level comparison →

Summary for 10550

Rent & Income

In 10550, the typical monthly rent is $1,532 and the typical household income is $60,701. Rent here is lower than in both Mount Vernon and New York, and household income is also lower than in both. The estimated poverty rate is 20.2%, which is higher than in both Mount Vernon and New York.

Housing & Affordability

Most households in this area are renters (71.8%), making this a heavily renter area. About 53.3% of renters spend more than 30% of their income on housing, indicating high cost burden.

Education & Employment

Educational attainment is moderate, with about 24.9% of adults holding a bachelor’s degree or higher.

ZIP 10550 — Rent vs Household Income

ZIP 10550 — Poverty

How ZIP 10550 compares in New York State (210 ZIP Codes)

Metric	This ZIP	Rank	Starts from	State range
Rent	$1,532	56 / 210	from lower rent	$784 – $3,433
Household income	$60,701	178 / 210	from higher income	$24,086 – $250,001
Poverty rate	20.2%	161 / 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 10550

Rent

When it comes to rent, ZIP Code 10550 ranks 56th out of 210 ZIP Codes in New York State. Statewide, values range from $784 in ZIP 14701 up to $3,433 in ZIP 10016.

Household income

Income-wise, this area is placed 178th out of 210 ZIP Codes. Across New York State, figures vary from $24,086 in ZIP 10454 up to $250,001 in ZIP 10583.

Poverty rate

When it comes to poverty, ZIP Code 10550 places 161st out of 210 ZIP Codes. Throughout New York State, numbers span from 2% in ZIP 11710 up to 45.2% in ZIP 10454.

💰 Rent in ZIP Code 10550 (with Utilities)

Estimated Monthly Rent: $1,532 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 10550

Annual Household Income: $60,701

💡 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 10550

Estimated Rate: 20.2%

💡 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 10550

In ZIP Code 10550, households that rent: 10,709 (71.8%)

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

Household Type	Count	Share
Renter-Occupied	10,709	71.8%
Owner-Occupied	4,203	28.2%

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 10550

In ZIP Code 10550, cost-burdened renters (households spending over 30% of income on housing): 5,707 (53.3%)

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

Household Group	Households	Share
Cost-burdened renters (over 30%)	5,707	53.3%
Other renter households	5,002	46.7%
Total renter households	10,709	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 10550

Less than High School: 9,846 people (35.8%)

Includes adults who did not complete high school.

High School Graduate or GED: 8,460 people (30.8%)

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

Some College or Associate Degree: 2,356 people (8.6%)

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

Bachelor’s Degree or Higher: 6,837 people (24.9%)

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

👥 Total Adults (25+): 27,499

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.