ZIP Code 10038 — New York city, NY Demographics & Data

ZIP code 10038 covers New York, NY in New York County with a population of about 23,342.

At a glance, the area shows median age of 34.1 versus a U.S. median of about 38.9.

It sits in telephone area codes 212, 332, 646, 917; U.S. House district NY-10; the NEW YORK media market.

New York, NY sits in a university / college context (near pace university (0.1 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 10038 is about $115,121 — about 53% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 18.0%; unemployment rate near 5.0%; 61.6% of adults with a bachelor’s degree or higher (about 27.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Finance and insurance, Professional services, and Healthcare; about 22.8% of workers reporting work-from-home (about 7.6 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $865,700 — about 149% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $3,140 (about 170% above the U.S. median rent ($1,163)), and owner-occupancy near 28.4% (about 37.0 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 10038 in New York, NY, a household would need roughly $238,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $5,561. That is about 107% above the local median household income ($115,121), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for New York city, NY as Relatively High (composite score 98.8), which is among the highest nationally. The strongest component scores on US5 are flood (99.2) and hurricane (96.8). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for New York city, NY show little to no average snow and around 49.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,008 for ZIP 10038 (New York city, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.