10514 ZIP Code — Chappaqua, NY

Westchester County, New York

ZIP code 10514 is located in Chappaqua, New York, within Westchester County. It covers approximately 12.72 square miles and serves a population of 12,867 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 914.

About ZIP code 10514

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $973,700. Owner-occupancy is high at 92%, well above the national average.

The gap between median ($250,001) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 2% is below the national average.

The dominant occupation class is management, business, and professional, with professional and management as the leading industry. An above-average commute of 43 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 26% of workers work from home.

Educational attainment is high — 86% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 10514 reflects a community defined by a highly educated population, high homeownership, and a high rate of remote workers.

12,867

population

12.72

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

10514 ZIP code map

Cities in ZIP code 10514

Below are the cities the US Postal Service accepts for ZIP code 10514. Using any city not on this list may result in mail delivery delays.

City	Status
Chappaqua	Preferred

Nearby ZIP codes

10546 Millwood (2 mi) 10549 Mount Kisco (3.3 mi) 10570 Pleasantville (3.5 mi) 10562 Ossining (3.6 mi) 10594 Thornwood (4.1 mi) 10510 Briarcliff Manor (4.2 mi) 10504 Armonk (4.7 mi) 10507 Bedford Hills (5.6 mi) 10532 Hawthorne (5.7 mi) 10595 Valhalla (5.9 mi) 10520 Croton On Hudson (6.1 mi) 10506 Bedford (7.2 mi)

Demographics updated 06/2026

Population
Total population	12,867
Population density	1,012 / sq mi
State FIPS	36
County FIPS	119

Geography
Land area	12.72 sq mi
Water area	0.11 sq mi
Latitude	41.1738
Longitude	-73.7714
Timezone	Eastern (ET)
Area code	914

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	4.9%	27.3%	37.0%
$50k – $100k	11.6%	23.0%	27.0%
$100k – $200k	23.4%	26.5%	24.4%
Over $200k	60.1%	23.2%	11.5%

Demographics & statistics

12,867

Population

1,012

People per sq mi

41.1

Median age

$250,001

Median household income

$116,413

Per capita income

$973,700

Median home value

$2,489

Median monthly rent

92.2%

Home ownership

2.4%

Poverty rate

3.6%

Unemployment

3,958

Housing units

85.6%

Bachelor's or higher

Age distribution

Male Female

358

Under 5

374

493

5–9

515

556

10–14

581

659

15–19

687

238

20–24

249

299

25–34

312

839

35–44

876

1,111

45–54

1,159

615

55–59

642

248

60–64

259

515

65–74

537

209

75–84

219

155

85+

162

← Male

Female →

Age summary

Group	Count	%
Under 18	3,793	29.5%
18 and over	9,074	70.5%
65 and over	1,797	14.0%
Median age	41.1 years

Race & ethnicity

White 72.7%

Asian 11%

Two or more races 5.8%

Hispanic or Latino 5.7%

Black or African American 3.2%

Other race 1.5%

Group	Count	%
White	9,925	72.7%
Asian	1,507	11%
Two or more races	792	5.8%
Hispanic or Latino	781	5.7%
Black or African American	440	3.2%
Other race	200	1.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	4.9%	27.3%	37.0%
$50k – $100k	11.6%	23.0%	27.0%
$100k – $200k	23.4%	26.5%	24.4%
Over $200k	60.1%	23.2%	11.5%

Under $10k 0.3%

$10k–$15k 1.1%

$15k–$25k 1.2%

$25k–$35k 2.0%

$35k–$50k 0.8%

$50k–$75k 6.2%

$75k–$100k 2.8%

$100k–$150k 12.6%

$150k–$200k 9.0%

$200k+ 64.0%

Range	% of households
Under $10k	0.3%
$10k–$15k	1.1%
$15k–$25k	1.2%
$25k–$35k	2.0%
$35k–$50k	0.8%
$50k–$75k	6.2%
$75k–$100k	2.8%
$100k–$150k	12.6%
$150k–$200k	9.0%
$200k+	64.0%
Median income	$250,001

Housing

Home values

$50k–$100k 0.5%

$150k–$200k 0.5%

$200k–$300k 0.2%

$300k–$500k 4.3%

$500k–$1M 47.7%

$1M+ 46.8%

Housing overview

Metric	Value
Median home value	$973,700
Median rent / month	$2,489
Owner occupied	92.2%
Renter occupied	7.8%
Vacant	2.9%
Single-family detached	88.0%
Large apartment buildings	2.5%
Mobile homes	0.0%
Median rooms	8.1
Avg household size (owned)	3.15

Year built

Era	%
2020 or later	0.0%
2010–2019	4.3%
2000–2009	5.1%
1990–1999	9.3%
1980–1989	13.8%
1970–1979	10.2%
1960–1969	13.5%
1950–1959	13.8%
1940–1949	5.7%
1939 or earlier	24.3%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	2.5%
2 bedrooms	12.7%
3 bedrooms	29.2%
4 bedrooms	37.0%
5+ bedrooms	18.7%

Vehicles per household

Vehicles	% of households
No vehicle	0.4%
1 vehicle	16.8%
2 vehicles	52.8%
3 or more	30.0%

Heating fuel

Fuel type	%
Utility gas	38.1%
Electricity	8.5%
Propane / LP gas	2.6%
Fuel oil	49.7%

Households & families

Household type	Count	%
Married-couple family	3,281	78.9%
Cohabiting couple	106	2.5%
Male householder, no spouse	270	6.5%
Female householder, no spouse	502	12.1%
Households with children under 18	2,172	52.2%
Households with seniors (65+)	1,190	28.6%
Average household size	3.09

Marital status

Status	Male	Female
Never married	25.0%	25.6%
Married	70.1%	65.6%
Separated	1.7%	0.0%
Widowed	1.9%	4.1%
Divorced	1.3%	4.7%

Education

Less than 9th grade 1.0%

Some HS, no diploma 0.0%

HS graduate 3.5%

Some college, no degree 6.4%

Associate's degree 3.5%

Bachelor's degree 31.4%

Graduate / professional 54.2%

Metric	%
HS diploma or higher	99.0%
Bachelor's or higher	85.6%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	440	10.2%
Kindergarten	275	6.4%
Elementary school	1,589	36.9%
High school	1,260	29.2%
College / grad school	746	17.3%

Employment

Industry of employment

Professional & management 29.3%

Education & healthcare 24.0%

Finance & real estate 16.3%

Arts, food & hospitality 7.3%

Wholesale trade 4.7%

Retail trade 4.2%

Information 3.9%

Construction 3.0%

Manufacturing 3.0%

Other services 2.8%

Public administration 1.5%

Transportation & utilities 0.3%

Occupation

Category	%
Management, business & arts	74.9%
Service	7.9%
Sales & office	14.5%
Natural resources & construction	1.3%
Production & transportation	1.4%

Employment type

Type	%
Private sector	84.0%
Government	6.1%
Self-employed	9.9%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	46.8%
Carpool	7.4%
Public transit	18.9%
Walk	0.7%
Work from home	26.2%
Other means	0.0%
Avg commute (minutes)	42.8

Poverty

All people 2.4%

Under 18 years 1.0%

18 and over 3.0%

Married-couple families 1.9%

Female-led households 0.0%

Income support

Source	% of households
Social Security	25.9%
Retirement income	21.3%
Supplemental Security	1.3%
Cash public assistance	2.5%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	17.8%
High blood pressure	23.7%
High cholesterol	30.5%
Diabetes	6.5%
Heart disease	4.2%
Stroke	1.8%
Asthma	8.2%
Arthritis	17.4%
Kidney disease	2.1%
Pulmonary disease	3.6%
Cancer	7.0%

Behavior / access	%
Smoking	7.8%
Binge drinking	15.7%
No physical activity	13.7%
Less than 7 hrs sleep	28.5%
Depression	16.0%
Fair or poor health	6.3%
Poor mental health	10.0%
Poor physical health	6.2%
No health insurance	5.4%
Visited doctor (checkup)	77.7%
Visited dentist	81.3%
Cholesterol screening	95.5%
Teeth loss	4.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	335	3.7%

Disability	%
Any disability	6.6%
Under 18	2.4%
18–64 years	3.5%
65 and over	28.0%

Health insurance coverage

Type	%
Private insurance	92.8%
Public insurance	19.2%
No insurance	0.8%
Uninsured under 19	1.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	12,135	94.3%
Spanish	326	2.7%
Other Indo-European	12	0.1%
Asian & Pacific Islander	156	1.3%
Other languages	145	1.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	11,021	85.7%
Born in same state	10,978	85.3%
Born in different state	7,932	61.6%
Foreign born	43	0.3%
Naturalized citizen	1,846	14.3%
Not a US citizen	1,296	70.2%

Ancestry

Ancestry	Count	%
Italian	1,544	12%
French	1,221	9.5%
Arab	589	4.6%
Irish	194	1.5%
German	112	0.9%

Ancestry	Count	%
Norwegian	87	0.7%
Polish	75	0.6%
Dutch	48	0.4%
English	25	0.2%

Technology access

Metric	% of households
Computer access	32.3%
Internet access	98.4%

Source: U.S. Census Bureau, American Community Survey 2025 estimates.

Frequently asked questions about ZIP code 10514

What city is ZIP code 10514 in?

ZIP code 10514 is primarily assigned to Chappaqua, New York.

What county is ZIP code 10514 in?

ZIP code 10514 falls within Westchester County, New York.

How educated is the population of ZIP code 10514?

86% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 10514 mostly owner-occupied?

92% of occupied units in ZIP code 10514 are owner-occupied, well above the national average.

What is the median household income in ZIP code 10514?

The median household income in ZIP code 10514 is $250,001, above the national median of ~$75,000.

What is the typical home value in ZIP code 10514?

The median home value in ZIP code 10514 is $973,700.

What timezone is ZIP code 10514 in?

ZIP code 10514 observes the EST timezone.