10523 ZIP Code — Elmsford, NY
Westchester County, New York
ZIP code 10523 is located in Elmsford, New York, within Westchester County. It covers approximately 3.65 square miles and serves a population of 9,389 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 914.
About ZIP code 10523
The housing stock consists of a mix of housing types. Most homes were built in the 1960s, giving the area an established character. Median home value is $480,000. Owner-occupancy sits near the national average at 54%.
Median household income is $117,066.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 31 minutes is near the national average.
Educational attainment is high — 47% of residents hold a bachelor's degree or higher, well above the national average of 33%.
9,389
population
3.65
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
10523 ZIP code map
Cities in ZIP code 10523
Below are the cities the US Postal Service accepts for ZIP code 10523. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Elmsford | Preferred |
Nearby ZIP codes
10607 White Plains (1.7 mi)
10603 White Plains (2.2 mi)
10591 Tarrytown (2.2 mi)
10533 Irvington (2.5 mi)
10532 Hawthorne (2.5 mi)
10595 Valhalla (2.7 mi)
10530 Hartsdale (2.9 mi)
10530 Hartsdale (2.9 mi)
10601 White Plains (3.5 mi)
10502 Ardsley (3.6 mi)
10606 White Plains (3.7 mi)
10522 Dobbs Ferry (4.2 mi)
Demographics
updated 06/2026
| Population | |
|---|---|
| Total population | 9,389 |
| Population density | 2,572 / sq mi |
| State FIPS | 36 |
| County FIPS | 119 |
| Geography | |
|---|---|
| Land area | 3.65 sq mi |
| Water area | 0.00 sq mi |
| Latitude | 41.0602 |
| Longitude | -73.8196 |
| 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 | 18.4% | 27.3% | 37.0% |
| $50k – $100k | 30.7% | 23.0% | 27.0% |
| $100k – $200k | 33.3% | 26.5% | 24.4% |
| Over $200k | 17.6% | 23.2% | 11.5% |
Demographics & statistics
9,389
Population
2,572
People per sq mi
35.5
Median age
$117,066
Median household income
$48,473
Per capita income
$480,000
Median home value
$2,743
Median monthly rent
54.3%
Home ownership
7.9%
Poverty rate
6.9%
Unemployment
2,137
Housing units
46.7%
Bachelor's or higher
Age distribution
Male
Female
336
Under 5
348
259
5–9
269
301
10–14
313
253
15–19
263
269
20–24
279
832
25–34
863
757
35–44
787
597
45–54
619
306
55–59
318
209
60–64
218
250
65–74
259
147
75–84
152
91
85+
94
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 2,064 | 22.0% |
| 18 and over | 7,325 | 78.0% |
| 65 and over | 993 | 10.6% |
| Median age | 35.5 years | |
Race & ethnicity
White
28.7%
Black or African American
21.3%
Hispanic or Latino
19.8%
Other race
16.2%
Asian
7.6%
Two or more races
5.7%
American Indian / Alaska Native
0.7%
| Group | Count | % |
|---|---|---|
| White | 3,357 | 28.7% |
| Black or African American | 2,491 | 21.3% |
| Hispanic or Latino | 2,320 | 19.8% |
| Other race | 1,896 | 16.2% |
| Asian | 892 | 7.6% |
| Two or more races | 673 | 5.7% |
| American Indian / Alaska Native | 80 | 0.7% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 18.4% | 27.3% | 37.0% |
| $50k – $100k | 30.7% | 23.0% | 27.0% |
| $100k – $200k | 33.3% | 26.5% | 24.4% |
| Over $200k | 17.6% | 23.2% | 11.5% |
Under $10k
4.5%
$10k–$15k
1.6%
$15k–$25k
3.8%
$25k–$35k
2.7%
$35k–$50k
4.8%
$50k–$75k
10.0%
$75k–$100k
13.5%
$100k–$150k
24.1%
$150k–$200k
12.6%
$200k+
22.4%
| Range | % of households |
|---|---|
| Under $10k | 4.5% |
| $10k–$15k | 1.6% |
| $15k–$25k | 3.8% |
| $25k–$35k | 2.7% |
| $35k–$50k | 4.8% |
| $50k–$75k | 10.0% |
| $75k–$100k | 13.5% |
| $100k–$150k | 24.1% |
| $150k–$200k | 12.6% |
| $200k+ | 22.4% |
| Median income | $117,066 |
Housing
Home values
Under $50k
3.3%
$50k–$100k
3.5%
$100k–$150k
2.4%
$150k–$200k
1.3%
$200k–$300k
1.5%
$300k–$500k
43.4%
$500k–$1M
43.8%
$1M+
0.7%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $480,000 |
| Median rent / month | $2,743 |
| Owner occupied | 54.3% |
| Renter occupied | 45.7% |
| Vacant | 10.8% |
| Single-family detached | 39.4% |
| Large apartment buildings | 16.0% |
| Mobile homes | 0.0% |
| Median rooms | 5.1 |
| Avg household size (owned) | 3.37 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.0% |
| 2010–2019 | 11.7% |
| 2000–2009 | 10.0% |
| 1990–1999 | 8.1% |
| 1980–1989 | 4.7% |
| 1970–1979 | 8.4% |
| 1960–1969 | 23.2% |
| 1950–1959 | 16.0% |
| 1940–1949 | 2.0% |
| 1939 or earlier | 15.8% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 2.8% |
| 1 bedroom | 15.6% |
| 2 bedrooms | 33.9% |
| 3 bedrooms | 26.0% |
| 4 bedrooms | 15.5% |
| 5+ bedrooms | 6.1% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 7.1% |
| 1 vehicle | 33.6% |
| 2 vehicles | 42.4% |
| 3 or more | 16.8% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 53.9% |
| Electricity | 28.8% |
| Propane / LP gas | 0.9% |
| Fuel oil | 15.2% |
| Wood | 0.4% |
| No fuel used | 0.2% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 1,443 | 44.8% |
| Cohabiting couple | 284 | 8.8% |
| Male householder, no spouse | 563 | 17.5% |
| Female householder, no spouse | 931 | 28.9% |
| Households with children under 18 | 1,234 | 38.3% |
| Households with seniors (65+) | 767 | 23.8% |
| Average household size | 2.91 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 44.3% | 36.0% |
| Married | 46.3% | 42.3% |
| Separated | 1.1% | 3.3% |
| Widowed | 2.0% | 5.8% |
| Divorced | 6.3% | 12.5% |
Education
Less than 9th grade
5.8%
Some HS, no diploma
3.2%
HS graduate
20.6%
Some college, no degree
17.1%
Associate's degree
6.7%
Bachelor's degree
30.1%
Graduate / professional
16.5%
| Metric | % |
|---|---|
| HS diploma or higher | 91.0% |
| Bachelor's or higher | 46.7% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 293 | 12.3% |
| Kindergarten | 122 | 5.1% |
| Elementary school | 859 | 36.0% |
| High school | 396 | 16.6% |
| College / grad school | 715 | 30.0% |
Employment
Industry of employment
Education & healthcare
31.7%
Professional & management
12.0%
Retail trade
10.0%
Construction
9.4%
Manufacturing
8.4%
Arts, food & hospitality
6.8%
Finance & real estate
6.3%
Public administration
6.1%
Transportation & utilities
4.1%
Wholesale trade
2.3%
Other services
2.0%
Information
0.8%
Agriculture & mining
0.2%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 44.3% |
| Service | 16.2% |
| Sales & office | 23.5% |
| Natural resources & construction | 8.7% |
| Production & transportation | 7.4% |
Employment type
| Type | % |
|---|---|
| Private sector | 74.3% |
| Government | 21.1% |
| Self-employed | 4.5% |
| Unpaid family workers | 0.1% |
Commute
| Method | % |
|---|---|
| Drive alone | 66.0% |
| Carpool | 8.8% |
| Public transit | 14.3% |
| Walk | 2.0% |
| Work from home | 7.9% |
| Other means | 1.0% |
| Avg commute (minutes) | 31.1 |
Poverty
All people
7.9%
Under 18 years
7.8%
18 and over
7.9%
Married-couple families
0.0%
Female-led households
16.7%
Income support
| Source | % of households |
|---|---|
| Social Security | 22.3% |
| Retirement income | 22.9% |
| Supplemental Security | 1.5% |
| Cash public assistance | 3.5% |
| Food stamps / SNAP | 7.1% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 22.4% |
| High blood pressure | 26.3% |
| High cholesterol | 26.7% |
| Diabetes | 9.0% |
| Heart disease | 4.6% |
| Stroke | 2.4% |
| Asthma | 9.0% |
| Arthritis | 16.8% |
| Kidney disease | 2.5% |
| Pulmonary disease | 4.3% |
| Cancer | 5.4% |
| Behavior / access | % |
|---|---|
| Smoking | 11.5% |
| Binge drinking | 14.9% |
| No physical activity | 22.3% |
| Less than 7 hrs sleep | 34.3% |
| Depression | 15.4% |
| Fair or poor health | 11.1% |
| Poor mental health | 12.2% |
| Poor physical health | 8.1% |
| No health insurance | 14.4% |
| Visited doctor (checkup) | 76.6% |
| Visited dentist | 68.9% |
| Cholesterol screening | 91.7% |
| Teeth loss | 11.2% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 295 | 4.0% |
| Disability | % |
|---|---|
| Any disability | 8.3% |
| Under 18 | 1.3% |
| 18–64 years | 7.4% |
| 65 and over | 28.9% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 75.7% |
| Public insurance | 30.1% |
| No insurance | 6.2% |
| Uninsured under 19 | 0.8% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 8,705 | 92.7% |
| Spanish | 1,095 | 12.6% |
| Other Indo-European | 926 | 10.6% |
| Asian & Pacific Islander | 54 | 0.6% |
| Other languages | 105 | 1.2% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 6,689 | 71.2% |
| Born in same state | 6,542 | 69.7% |
| Born in different state | 5,949 | 63.4% |
| Foreign born | 147 | 1.6% |
| Naturalized citizen | 2,700 | 28.8% |
| Not a US citizen | 1,706 | 63.2% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 542 | 5.8% |
| Arab | 373 | 4% |
| French | 69 | 0.7% |
| Irish | 56 | 0.6% |
| Ancestry | Count | % |
|---|---|---|
| English | 30 | 0.3% |
| Polish | 23 | 0.2% |
| German | 4 | 0% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 34.3% |
| Internet access | 96.6% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 10523
What city is ZIP code 10523 in?
ZIP code 10523 is primarily assigned to Elmsford, New York.
What county is ZIP code 10523 in?
ZIP code 10523 falls within Westchester County, New York.
How educated is the population of ZIP code 10523?
47% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.
What is the typical home value in ZIP code 10523?
The median home value in ZIP code 10523 is $480,000.
What is the median household income in ZIP code 10523?
The median household income in ZIP code 10523 is $117,066, above the national median of ~$75,000.
What is the population of ZIP code 10523?
ZIP code 10523 has an estimated population of 9,389 residents, with a density of 2,575 people per square mile.
What timezone is ZIP code 10523 in?
ZIP code 10523 observes the EST timezone.