ZIP Code 10989 — Valley Cottage CDP, NY Demographics & Data

ZIP code 10989 covers Valley Cottage, NY in Rockland County with a population of about 8,410.

At a glance, the area shows median age of 49.1 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.

Median household income in ZIP 10989 is about $131,501 — about 75% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.1%; unemployment rate near 10.0%; 57.8% of adults with a bachelor’s degree or higher (about 24.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Professional services; about 18.9% of workers reporting work-from-home (about 3.7 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 $512,700 — about 47% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,889 (about 62% above the U.S. median rent ($1,163)), and owner-occupancy near 88.4% (about 23.0 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 10989 in Valley Cottage, NY, a household would need roughly $141,000 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 $3,293. That is roughly in line with the local median household income ($131,501). 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 Valley Cottage 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 Valley Cottage 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 363 for ZIP 10989 (Valley Cottage 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.