ZIP Code 10604 — Harrison village, NY Demographics & Data

ZIP code 10604 covers Harrison, NY in Westchester County with a population of about 12,192.

At a glance, the area shows median age of 39.0 (near the U.S. median).

It sits in telephone area code 914; U.S. House district NY-16; the NEW YORK media market.

Harrison, NY sits in a university / college context (near suny westchester community college (2.2 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 10604 is about $111,131 — about 48% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 4.1%; unemployment rate near 4.9%; 51.3% of adults with a bachelor’s degree or higher (about 17.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Construction; about 18.1% of workers reporting work-from-home (about 2.9 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 $814,600 — about 134% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,816 (about 56% above the U.S. median rent ($1,163)), and owner-occupancy near 53.7% (about 11.7 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 10604 in Harrison, NY, a household would need roughly $224,000 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 $5,233. That is about 102% above the local median household income ($111,131), 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 Harrison village, 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 Harrison village, NY show little to no average snow and around 47.8 inches of annual precipitation.

IRS migration statistics show a net inflow of about 527 for ZIP 10604 (Harrison village, 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.