10520 ZIP Code — Croton On Hudson, NY

Westchester County, New York

ZIP code 10520 is located in Croton On Hudson, New York, within Westchester County. It covers approximately 14.45 square miles and serves a population of 12,662 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 914.

About ZIP code 10520

The housing stock consists of a mix of housing types. Most homes were built in the pre-1940, giving the area an established character. Median home value is $648,900. Owner-occupancy sits near the national average at 68%.

The gap between median ($135,990) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 6% is below the national average. 35% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 44 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 24% of workers work from home.

Educational attainment is high — 59% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 10520 reflects a community defined by a highly educated population, a high rate of remote workers, and a significant Social Security-dependent population.

12,662

population

14.45

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

10520 ZIP code map

Cities in ZIP code 10520

Below are the cities the US Postal Service accepts for ZIP code 10520. Using any city not on this list may result in mail delivery delays.

City	Status
Croton On Hudson	Acceptable
Croton On Hudson	Preferred

Nearby ZIP codes

10562 Ossining (2.6 mi) 10548 Montrose (4.1 mi) 10927 Haverstraw (4.2 mi) 10920 Congers (4.3 mi) 10546 Millwood (4.4 mi) 10993 West Haverstraw (4.5 mi) 10510 Briarcliff Manor (5 mi) 10511 Buchanan (5.2 mi) 10566 Peekskill (5.7 mi) 10514 Chappaqua (6.1 mi) 10923 Garnerville (6.5 mi) 10989 Valley Cottage (6.6 mi)

Demographics updated 05/2026

Population
Total population	12,662
Population density	876 / sq mi
State FIPS	36
County FIPS	119

Geography
Land area	14.45 sq mi
Water area	1.37 sq mi
Latitude	41.2092
Longitude	-73.8788
Timezone	Eastern (ET)
Area code	914

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	18.8%	27.3%	37.0%
$50k – $100k	25.9%	23.0%	27.0%
$100k – $200k	27.3%	26.5%	24.4%
Over $200k	28.0%	23.2%	11.5%

Demographics & statistics

12,662

Population

876

People per sq mi

47.0

Median age

$135,990

Median household income

$74,621

Per capita income

$648,900

Median home value

$1,731

Median monthly rent

68.1%

Home ownership

5.5%

Poverty rate

7.8%

Unemployment

3,818

Housing units

59.4%

Bachelor's or higher

Age distribution

Male Female

296

Under 5

322

368

5–9

402

382

10–14

417

386

15–19

420

291

20–24

317

492

25–34

536

672

35–44

733

784

45–54

855

550

55–59

600

471

60–64

513

802

65–74

874

342

75–84

374

221

85+

242

← Male

Female →

Age summary

Group	Count	%
Under 18	2,698	21.3%
18 and over	9,964	78.7%
65 and over	2,855	22.5%
Median age	47.0 years

Race & ethnicity

White 75.7%

Hispanic or Latino 7.5%

Other race 5.1%

Two or more races 4.6%

Black or African American 4.2%

Asian 2.9%

Group	Count	%
White	10,368	75.7%
Hispanic or Latino	1,030	7.5%
Other race	695	5.1%
Two or more races	624	4.6%
Black or African American	577	4.2%
Asian	396	2.9%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	18.8%	27.3%	37.0%
$50k – $100k	25.9%	23.0%	27.0%
$100k – $200k	27.3%	26.5%	24.4%
Over $200k	28.0%	23.2%	11.5%

Under $10k 2.3%

$10k–$15k 2.2%

$15k–$25k 2.7%

$25k–$35k 3.8%

$35k–$50k 5.8%

$50k–$75k 10.8%

$75k–$100k 12.4%

$100k–$150k 13.3%

$150k–$200k 12.2%

$200k+ 34.4%

Range	% of households
Under $10k	2.3%
$10k–$15k	2.2%
$15k–$25k	2.7%
$25k–$35k	3.8%
$35k–$50k	5.8%
$50k–$75k	10.8%
$75k–$100k	12.4%
$100k–$150k	13.3%
$150k–$200k	12.2%
$200k+	34.4%
Median income	$135,990

Housing

Home values

Under $50k 1.4%

$50k–$100k 0.8%

$100k–$150k 3.0%

$150k–$200k 0.5%

$200k–$300k 4.4%

$300k–$500k 15.4%

$500k–$1M 67.1%

$1M+ 7.4%

Housing overview

Metric	Value
Median home value	$648,900
Median rent / month	$1,731
Owner occupied	68.1%
Renter occupied	31.9%
Vacant	7.4%
Single-family detached	55.5%
Large apartment buildings	13.1%
Mobile homes	0.6%
Median rooms	5.8
Avg household size (owned)	2.71

Year built

Era	%
2020 or later	0.8%
2010–2019	1.0%
2000–2009	3.8%
1990–1999	3.7%
1980–1989	11.9%
1970–1979	14.6%
1960–1969	15.8%
1950–1959	21.9%
1940–1949	3.9%
1939 or earlier	22.6%

Bedrooms

Size	% of units
No bedroom (studio)	8.1%
1 bedroom	15.6%
2 bedrooms	22.1%
3 bedrooms	34.0%
4 bedrooms	17.8%
5+ bedrooms	2.4%

Vehicles per household

Vehicles	% of households
No vehicle	5.7%
1 vehicle	38.0%
2 vehicles	39.0%
3 or more	17.2%

Heating fuel

Fuel type	%
Utility gas	47.9%
Electricity	8.1%
Propane / LP gas	3.4%
Fuel oil	37.0%
Wood	0.5%
No fuel used	1.3%

Households & families

Household type	Count	%
Married-couple family	2,762	55.1%
Cohabiting couple	260	5.2%
Male householder, no spouse	717	14.3%
Female householder, no spouse	1,276	25.4%
Households with children under 18	1,607	32.0%
Households with seniors (65+)	1,869	37.3%
Average household size	2.46

Marital status

Status	Male	Female
Never married	30.6%	23.8%
Married	59.1%	52.7%
Separated	1.7%	0.6%
Widowed	1.6%	10.0%
Divorced	7.0%	12.8%

Education

Less than 9th grade 2.4%

Some HS, no diploma 2.7%

HS graduate 14.5%

Some college, no degree 13.8%

Associate's degree 7.2%

Bachelor's degree 29.8%

Graduate / professional 29.6%

Metric	%
HS diploma or higher	94.8%
Bachelor's or higher	59.4%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	166	5.3%
Kindergarten	196	6.3%
Elementary school	1,265	40.6%
High school	689	22.1%
College / grad school	798	25.6%

Employment

Industry of employment

Education & healthcare 25.7%

Professional & management 17.0%

Finance & real estate 9.7%

Information 7.7%

Arts, food & hospitality 7.6%

Retail trade 7.4%

Manufacturing 6.2%

Construction 5.7%

Transportation & utilities 4.2%

Public administration 3.4%

Other services 3.2%

Wholesale trade 1.9%

Agriculture & mining 0.1%

Occupation

Category	%
Management, business & arts	58.6%
Service	10.8%
Sales & office	20.3%
Natural resources & construction	4.7%
Production & transportation	5.6%

Employment type

Type	%
Private sector	77.6%
Government	15.6%
Self-employed	6.6%
Unpaid family workers	0.1%

Commute

Method	%
Drive alone	51.6%
Carpool	3.2%
Public transit	17.7%
Walk	3.4%
Work from home	23.6%
Other means	0.5%
Avg commute (minutes)	44.0

Poverty

All people 5.5%

Under 18 years 4.0%

18 and over 5.9%

Married-couple families 3.1%

Female-led households 3.4%

Income support

Source	% of households
Social Security	34.9%
Retirement income	23.9%
Supplemental Security	1.9%
Cash public assistance	1.9%
Food stamps / SNAP	1.9%

Health indicators

Condition	%
Obesity	19.6%
High blood pressure	28.2%
High cholesterol	32.9%
Diabetes	8.4%
Heart disease	5.8%
Stroke	2.6%
Asthma	8.7%
Arthritis	21.6%
Kidney disease	2.8%
Pulmonary disease	5.3%
Cancer	8.2%

Behavior / access	%
Smoking	10.3%
Binge drinking	14.7%
No physical activity	18.4%
Less than 7 hrs sleep	29.8%
Depression	16.8%
Fair or poor health	9.4%
Poor mental health	11.0%
Poor physical health	8.2%
No health insurance	8.2%
Visited doctor (checkup)	78.5%
Visited dentist	76.1%
Cholesterol screening	94.5%
Teeth loss	8.8%

Veterans & disability

Veterans	Count	%
Civilian veterans	552	5.5%

Disability	%
Any disability	9.1%
Under 18	5.2%
18–64 years	6.1%
65 and over	21.4%

Health insurance coverage

Type	%
Private insurance	83.7%
Public insurance	27.9%
No insurance	2.3%
Uninsured under 19	1.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	12,044	95.1%
Spanish	504	4.2%
Other Indo-European	339	2.8%
Asian & Pacific Islander	107	0.9%
Other languages	42	0.3%

Place of birth & citizenship

Origin	Count	%
Native born (US)	11,026	87.1%
Born in same state	10,746	84.9%
Born in different state	8,251	65.2%
Foreign born	280	2.2%
Naturalized citizen	1,636	12.9%
Not a US citizen	1,134	69.3%

Ancestry

Ancestry	Count	%
Italian	2,077	16.4%
French	1,227	9.7%
Arab	460	3.6%
English	244	1.9%
Irish	93	0.7%

Ancestry	Count	%
Polish	89	0.7%
Norwegian	48	0.4%
German	25	0.2%
Dutch	24	0.2%

Technology access

Metric	% of households
Computer access	39.6%
Internet access	97.4%

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

Frequently asked questions about ZIP code 10520

What city is ZIP code 10520 in?

ZIP code 10520 is primarily assigned to Croton On Hudson, New York.

What county is ZIP code 10520 in?

ZIP code 10520 falls within Westchester County, New York.

How educated is the population of ZIP code 10520?

59% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

What is the median household income in ZIP code 10520?

The median household income in ZIP code 10520 is $135,990, above the national median of ~$75,000.

What is the typical home value in ZIP code 10520?

The median home value in ZIP code 10520 is $648,900.

What is the population of ZIP code 10520?

ZIP code 10520 has an estimated population of 12,662 residents, with a density of 876 people per square mile.

What timezone is ZIP code 10520 in?

ZIP code 10520 observes the EST timezone.