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New York ZIP Codes
Westchester County
Cross River, NY
10518
10518 ZIP Code — Cross River, NY
Westchester County, New York
ZIP code 10518 is located in
Cross River ,
New York ,
within Westchester County .
It covers approximately 3.81 square miles and serves a population of
830 residents.
This is a standard ZIP code in the Eastern (ET) timezone,
served by area code 845/914 .
About ZIP code 10518
The housing stock consists of a mix of housing types. Most homes were built in the 1980s, giving the area an established character. Median home value is $729,200. Owner-occupancy is high at 94%, well above the national average.
The gap between median ($155,464) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 5% is below the national average.
The dominant occupation class is management, business, and professional, with professional and management as the leading industry. The average commute of 31 minutes is near the national average. Remote work is prevalent — 31% of workers work from home.
Educational attainment is high — 76% of residents hold a bachelor's degree or higher, well above the national average of 33%.
Overall, ZIP code 10518 reflects a community defined by a highly educated population, high homeownership, and a high rate of remote workers.
10518 ZIP code map
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Cities in ZIP code 10518
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Nearby ZIP codes
Demographics
updated 05/2026
Population
Total population
830
Population density
218 / sq mi
State FIPS
36
County FIPS
119
Geography
Land area
3.81 sq mi
Water area
0.06 sq mi
Latitude
41.2790
Longitude
-73.5981
Timezone
Eastern (ET)
Area code
845/914
Economics
updated 05/2026
Household income
Income range
This ZIP
County avg
State avg
Under $50k
15.2%
27.3%
37.0%
$50k – $100k
23.6%
23.0%
27.0%
$100k – $200k
17.1%
26.5%
24.4%
Over $200k
44.1%
23.2%
11.5%
Demographics & statistics
$155,464
Median household income
$729,200
Median home value
76.0%
Bachelor's or higher
Age distribution
Age summary
Group Count % Under 18 133 16.0% 18 and over 697 84.0% 65 and over 156 18.8% Median age 54.4 years
Race & ethnicity
Group Count % White 685 76.8% Asian 83 9.3% Hispanic or Latino 62 7% Other race 62 7%
Household income
Income range
This ZIP
County avg
State avg
Under $50k
15.2%
27.3%
37.0%
$50k – $100k
23.6%
23.0%
27.0%
$100k – $200k
17.1%
26.5%
24.4%
Over $200k
44.1%
23.2%
11.5%
Range % of households $10k–$15k 12.1% $15k–$25k 3.8% $35k–$50k 2.9% $50k–$75k 14.2% $75k–$100k 13.0% $100k–$150k 2.1% $150k–$200k 14.2% $200k+ 37.8% Median income $155,464
Housing
Housing overview
Metric Value Median home value $729,200 Median rent / month $0 Owner occupied 93.5% Renter occupied 6.5% Vacant 31.5% Single-family detached 51.5% Large apartment buildings 0.0% Mobile homes 0.0% Median rooms 6.7 Avg household size (owned) 2.39
Year built
Era % 2020 or later 0.0% 2010–2019 0.0% 2000–2009 0.0% 1990–1999 17.4% 1980–1989 44.2% 1970–1979 8.3% 1960–1969 12.3% 1950–1959 0.0% 1940–1949 3.0% 1939 or earlier 14.7%
Bedrooms
Size % of units No bedroom (studio) 0.0% 1 bedroom 21.8% 2 bedrooms 22.2% 3 bedrooms 14.3% 4 bedrooms 36.4% 5+ bedrooms 5.3%
Vehicles per household
Vehicles % of households No vehicle 4.4% 1 vehicle 18.0% 2 vehicles 58.1% 3 or more 19.5%
Heating fuel
Fuel type % Electricity 44.2% Propane / LP gas 5.6% Fuel oil 50.1%
Households & families
Household type Count % Married-couple family 238 70.2% Cohabiting couple 0 0.0% Male householder, no spouse 26 7.7% Female householder, no spouse 75 22.1% Households with children under 18 88 26.0% Households with seniors (65+) 89 26.3% Average household size 2.45
Marital status
Status Male Female Never married 22.0% 32.2% Married 74.3% 67.8% Separated 0.0% 0.0% Widowed 0.0% 0.0% Divorced 3.8% 0.0%
Education
Some college, no degree
13.6%
Graduate / professional
23.1%
Metric % HS diploma or higher 96.2% Bachelor's or higher 76.0%
School enrollment (ages 3–17)
Type Count % Nursery / preschool 0 0.0% Kindergarten 0 0.0% Elementary school 42 30.0% High school 80 57.1% College / grad school 18 12.9%
Employment
Industry of employment
Professional & management
37.4%
Education & healthcare
23.2%
Finance & real estate
19.8%
Public administration
7.6%
Arts, food & hospitality
6.5%
Occupation
Category % Management, business & arts 61.0% Service 9.1% Sales & office 24.3% Natural resources & construction 5.6% Production & transportation 0.0%
Employment type
Type % Private sector 62.6% Government 12.5% Self-employed 24.9% Unpaid family workers 0.0%
Commute
Method % Drive alone 69.3% Carpool 0.0% Public transit 0.0% Walk 0.0% Work from home 30.7% Other means 0.0% Avg commute (minutes) 30.9
Poverty
Married-couple families
0.0%
Female-led households
0.0%
Income support
Source % of households Social Security 26.3% Retirement income 23.9% Supplemental Security 0.0% Cash public assistance 0.0% Food stamps / SNAP 0.0%
Health indicators
Condition % Obesity 18.7% High blood pressure 22.9% High cholesterol 30.7% Diabetes 6.4% Heart disease 3.9% Stroke 1.7% Asthma 8.6% Arthritis 17.3% Kidney disease 2.0% Pulmonary disease 3.8% Cancer 6.5%
Behavior / access % Smoking 8.8% Binge drinking 16.7% No physical activity 14.0% Less than 7 hrs sleep 29.3% Depression 17.0% Fair or poor health 6.6% Poor mental health 10.8% Poor physical health 6.7% No health insurance 5.6% Visited doctor (checkup) 77.0% Visited dentist 80.4% Cholesterol screening 94.9% Teeth loss 5.4%
Veterans & disability
Veterans Count % Civilian veterans 14 2.0%
Disability % Any disability 5.2% Under 18 0.0% 18–64 years 0.0% 65 and over 27.6%
Health insurance coverage
Type % Private insurance 84.7% Public insurance 22.3% No insurance 3.9% Uninsured under 19 0.0%
Language & origin
Language spoken at home (age 5+)
Language Count % English only 819 98.7% Spanish 42 5.1% Other Indo-European 42 5.1% Asian & Pacific Islander 0 0.0% Other languages 0 0.0%
Place of birth & citizenship
Origin Count % Native born (US) 698 84.1% Born in same state 698 84.1% Born in different state 528 63.6% Foreign born 0 0.0% Naturalized citizen 132 15.9% Not a US citizen 91 68.9%
Ancestry
Ancestry Count % Italian 205 24.7% French 68 8.2% Polish 19 2.3%
Ancestry Count % Arab 18 2.2% Irish 11 1.3%
Technology access
Metric % of households Computer access 40.8% Internet access 92.0%
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 10518
What city is ZIP code 10518 in?
ZIP code 10518 is primarily assigned to Cross River, New York.
What county is ZIP code 10518 in?
ZIP code 10518 falls within Westchester County, New York.
How educated is the population of ZIP code 10518?
76% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.
Is ZIP code 10518 mostly owner-occupied?
94% of occupied units in ZIP code 10518 are owner-occupied, well above the national average.
What is the median household income in ZIP code 10518?
The median household income in ZIP code 10518 is $155,464, above the national median of ~$75,000.
What is the typical home value in ZIP code 10518?
The median home value in ZIP code 10518 is $729,200.
What timezone is ZIP code 10518 in?
ZIP code 10518 observes the EST timezone.
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