ZIP Code 10524 — undefined, NY Demographics & Data

ZIP code 10524 covers NY in Putnam County with a population of about 4,298.

At a glance, the area shows median age of 49.9 versus a U.S. median of about 38.9.

It sits in telephone area codes 329, 845; U.S. House district NY-17; the NEW YORK media market.

NY sits in a university / college context (near united states military academy (1.8 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 10524 is about $125,568 — about 67% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.7%; unemployment rate near 5.4%; 52.6% of adults with a bachelor’s degree or higher (about 18.9 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Education; about 25.4% of workers reporting work-from-home (about 10.2 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 $549,600 — about 58% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $2,113 (about 82% above the U.S. median rent ($1,163)), and owner-occupancy near 82.6% (about 17.2 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 10524 in NY, a household would need roughly $151,000 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 $3,530. That is about 20% above the local median household income ($125,568), 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 NY as Very Low (composite score 39.8), which is relatively lower than many U.S. communities. The strongest component scores on US5 are hurricane (73.2) and flood (57.4). 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 NY show little to no average snow and around 51.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 186 for ZIP 10524 (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.