ZIP Code 10548 — Montrose CDP, NY Demographics & Data

ZIP code 10548 covers Montrose, NY in Westchester County with a population of about 4,302.

At a glance, the area shows median age of 39.3 (near the U.S. median).

It sits in telephone area code 914; U.S. House district NY-17; the NEW YORK media market.

Median household income in ZIP 10548 is about $140,000 — about 86% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 8.4%; unemployment rate near 15.0%; 43.4% of adults with a bachelor’s degree or higher (about 9.7 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Retail trade, Professional services, and Education; about 17.1% of workers reporting work-from-home (about 1.9 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 $445,900 — about 28% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,404 (about 21% above the U.S. median rent ($1,163)), and owner-occupancy near 79.7% (about 14.3 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 10548 in Montrose, NY, a household would need roughly $123,000 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 $2,864. That sits below the local median household income ($140,000), suggesting the typical household income is closer to a workable buy-in level under these assumptions. 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 Montrose CDP, NY as Relatively High (composite score 96.2), which is among the highest nationally. The strongest component scores on US5 are flood (98.0) and hurricane (93.6). 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 Montrose CDP, NY show little to no average snow and around 50.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 186 for ZIP 10548 (Montrose CDP, 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.