ZIP Code 10588 — Shrub Oak CDP, NY Demographics & Data

ZIP code 10588 covers Shrub Oak, NY in Westchester County with a population of about 3,081.

At a glance, the area shows median age of 36.9 versus a U.S. median of about 38.9.

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

Shrub Oak, NY ranks among higher-income / higher-home-value communities on US5 (very high median household income (~$171,598)). Searchers often dig into housing affordability stretch, private schools, and neighborhood comparisons rather than entry-level rentals.

Median household income in ZIP 10588 is about $171,598 — about 128% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 0.9%; unemployment rate near 4.4%; 51.9% of adults with a bachelor’s degree or higher (about 18.2 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Professional services, and Healthcare; about 11.9% of workers reporting work-from-home (about 3.3 points below 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 $522,400 — about 50% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,281 (about 10% above the U.S. median rent ($1,163)), and owner-occupancy near 65.3% (roughly in line with the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 10588 in Shrub Oak, NY, a household would need roughly $144,000 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 $3,356. That sits below the local median household income ($171,598), 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 Shrub Oak 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 Shrub Oak CDP, NY show little to no average snow and around 50.5 inches of annual precipitation.

IRS migration statistics show a net inflow of about 133 for ZIP 10588 (Shrub Oak 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.