ZIP Code 10964 — Tappan CDP, NY Demographics & Data

ZIP code 10964 covers Tappan, NY in Rockland County with a population of about 1,395.

At a glance, the area shows median age of 48.3 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.

Tappan, NY sits in a university / college context (near st. thomas aquinas college (2.1 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

On socioeconomic markers, US5 shows a poverty rate of 4.8%; unemployment rate near 8.8%; 59.3% of adults with a bachelor’s degree or higher (about 25.6 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Professional services, and Transportation; 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 $686,600 — about 97% above the U.S. median home value ($348,079).

Housing tenure and rents show owner-occupancy near 92.2% (about 26.8 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 10964 in Tappan, NY, a household would need roughly $189,000 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 $4,411. 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 Tappan CDP, NY as Relatively Moderate (composite score 88.4), which is elevated versus much of the country. The strongest component scores on US5 are flood (91.8) and hurricane (85.6). 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 Tappan CDP, NY show little to no average snow and around 51.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 60 for ZIP 10964 (Tappan 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.