10524 ZIP Code — Garrison, NY

Putnam County, New York

ZIP code 10524 is located in Garrison, New York, within Putnam County. It covers approximately 20.84 square miles and serves a population of 4,344 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 10524

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1950s, giving the area an established character. Median home value is $510,400. Owner-occupancy is high at 88%, well above the national average.

The gap between median ($122,841) and mean household income suggests income inequality — a small number of higher earners pull the average up. 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 40 minutes suggests many residents work outside the immediate area.

Educational attainment is high — 52% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 10524 reflects a community defined by a highly educated population, high homeownership, and a significant Social Security-dependent population.

4,344

population

20.84

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

10524 ZIP code map

Cities in ZIP code 10524

Below are the cities the US Postal Service accepts for ZIP code 10524. Using any city not on this list may result in mail delivery delays.

City	Status
Garrison	Acceptable
Garrison	Preferred

Nearby ZIP codes

10996 West Point (2.7 mi) 10537 Lake Peekskill (3.6 mi) 10516 Cold Spring (4.8 mi) 12518 Cornwall (5.5 mi) 10579 Putnam Valley (5.6 mi) 10547 Mohegan Lake (5.9 mi) 12520 Cornwall On Hudson (6 mi) 10588 Shrub Oak (6.3 mi) 10911 Bear Mountain (6.3 mi) 10566 Peekskill (6.4 mi) 10535 Jefferson Valley (7.1 mi) 10928 Highland Falls (7.4 mi)

Demographics updated 05/2026

Population
Total population	4,344
Population density	208 / sq mi
State FIPS	36
County FIPS	079

Geography
Land area	20.84 sq mi
Water area	0.32 sq mi
Latitude	41.3780
Longitude	-73.9252
Timezone	Eastern (ET)
Area code	845

Total population by age

Gender

Race & ethnicity

Economics updated 05/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	15.1%	20.4%	37.0%
$50k – $100k	23.2%	25.8%	27.0%
$100k – $200k	38.3%	37.3%	24.4%
Over $200k	23.5%	16.4%	11.5%

Demographics & statistics

4,344

Population

208

People per sq mi

48.5

Median age

$122,841

Median household income

$56,532

Per capita income

$510,400

Median home value

$1,922

Median monthly rent

87.5%

Home ownership

9.9%

Poverty rate

4.8%

Unemployment

1,638

Housing units

52.3%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

177

10–14

189

116

15–19

125

108

20–24

116

187

25–34

200

220

35–44

235

335

45–54

358

180

55–59

192

158

60–64

168

294

65–74

314

154

75–84

164

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	816	18.8%
18 and over	3,528	81.2%
65 and over	993	22.9%
Median age	48.5 years

Race & ethnicity

White 81.6%

Hispanic or Latino 6.1%

Two or more races 4.6%

Other race 4%

Black or African American 2.1%

Asian 1.5%

Group	Count	%
White	3,776	81.6%
Hispanic or Latino	281	6.1%
Two or more races	214	4.6%
Other race	187	4%
Black or African American	97	2.1%
Asian	70	1.5%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	15.1%	20.4%	37.0%
$50k – $100k	23.2%	25.8%	27.0%
$100k – $200k	38.3%	37.3%	24.4%
Over $200k	23.5%	16.4%	11.5%

Under $10k 3.1%

$10k–$15k 1.2%

$15k–$25k 3.1%

$25k–$35k 1.8%

$35k–$50k 6.2%

$50k–$75k 12.8%

$75k–$100k 11.9%

$100k–$150k 19.7%

$150k–$200k 13.1%

$200k+ 27.1%

Range	% of households
Under $10k	3.1%
$10k–$15k	1.2%
$15k–$25k	3.1%
$25k–$35k	1.8%
$35k–$50k	6.2%
$50k–$75k	12.8%
$75k–$100k	11.9%
$100k–$150k	19.7%
$150k–$200k	13.1%
$200k+	27.1%
Median income	$122,841

Housing

Home values

Under $50k 0.5%

$50k–$100k 1.2%

$200k–$300k 5.9%

$300k–$500k 41.6%

$500k–$1M 30.2%

$1M+ 20.6%

Housing overview

Metric	Value
Median home value	$510,400
Median rent / month	$1,922
Owner occupied	87.5%
Renter occupied	12.5%
Vacant	16.2%
Single-family detached	94.3%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	6.6
Avg household size (owned)	2.61

Year built

Era	%
2020 or later	0.0%
2010–2019	2.4%
2000–2009	6.0%
1990–1999	4.0%
1980–1989	9.5%
1970–1979	19.4%
1960–1969	11.1%
1950–1959	21.6%
1940–1949	5.2%
1939 or earlier	20.9%

Bedrooms

Size	% of units
No bedroom (studio)	1.2%
1 bedroom	4.4%
2 bedrooms	25.4%
3 bedrooms	40.2%
4 bedrooms	23.7%
5+ bedrooms	5.1%

Vehicles per household

Vehicles	% of households
No vehicle	6.4%
1 vehicle	17.7%
2 vehicles	46.8%
3 or more	29.1%

Heating fuel

Fuel type	%
Utility gas	4.5%
Electricity	9.3%
Propane / LP gas	12.1%
Fuel oil	70.7%
Wood	2.5%
Solar	0.9%

Households & families

Household type	Count	%
Married-couple family	953	62.2%
Cohabiting couple	83	5.4%
Male householder, no spouse	211	13.8%
Female householder, no spouse	286	18.7%
Households with children under 18	443	28.9%
Households with seniors (65+)	626	40.8%
Average household size	2.58

Marital status

Status	Male	Female
Never married	27.5%	32.9%
Married	61.0%	49.3%
Separated	0.9%	1.8%
Widowed	2.0%	9.1%
Divorced	8.6%	6.9%

Education

Less than 9th grade 3.0%

Some HS, no diploma 0.9%

HS graduate 21.9%

Some college, no degree 16.6%

Associate's degree 5.3%

Bachelor's degree 20.8%

Graduate / professional 31.5%

Metric	%
HS diploma or higher	96.1%
Bachelor's or higher	52.3%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	29	3.2%
Kindergarten	0	0.0%
Elementary school	391	42.7%
High school	311	34.0%
College / grad school	184	20.1%

Employment

Industry of employment

Education & healthcare 33.6%

Professional & management 12.5%

Arts, food & hospitality 9.2%

Finance & real estate 8.7%

Retail trade 7.3%

Construction 6.6%

Other services 5.9%

Transportation & utilities 5.7%

Information 3.7%

Manufacturing 3.6%

Public administration 2.0%

Wholesale trade 1.1%

Occupation

Category	%
Management, business & arts	54.5%
Service	15.0%
Sales & office	18.3%
Natural resources & construction	5.5%
Production & transportation	6.7%

Employment type

Type	%
Private sector	77.1%
Government	15.7%
Self-employed	7.0%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	68.4%
Carpool	1.6%
Public transit	8.3%
Walk	2.7%
Work from home	18.1%
Other means	0.8%
Avg commute (minutes)	40.0

Poverty

All people 9.9%

Under 18 years 0.0%

18 and over 12.1%

Married-couple families 1.2%

Female-led households 0.0%

Income support

Source	% of households
Social Security	35.4%
Retirement income	31.8%
Supplemental Security	0.0%
Cash public assistance	0.7%
Food stamps / SNAP	1.2%

Health indicators

Condition	%
Obesity	26.9%
High blood pressure	30.2%
High cholesterol	33.3%
Diabetes	8.4%
Heart disease	5.7%
Stroke	2.5%
Asthma	9.5%
Arthritis	22.7%
Kidney disease	2.6%
Pulmonary disease	5.4%
Cancer	7.4%

Behavior / access	%
Smoking	12.5%
Binge drinking	17.2%
No physical activity	18.6%
Less than 7 hrs sleep	31.8%
Depression	18.2%
Fair or poor health	9.6%
Poor mental health	12.2%
Poor physical health	8.2%
No health insurance	8.2%
Visited doctor (checkup)	79.2%
Visited dentist	73.8%
Cholesterol screening	93.6%
Teeth loss	8.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	148	4.2%

Disability	%
Any disability	10.4%
Under 18	0.0%
18–64 years	10.0%
65 and over	19.9%

Health insurance coverage

Type	%
Private insurance	79.7%
Public insurance	34.8%
No insurance	1.3%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,213	97.0%
Spanish	83	2.0%
Other Indo-European	63	1.5%
Asian & Pacific Islander	20	0.5%
Other languages	0	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,977	91.6%
Born in same state	3,885	89.4%
Born in different state	3,022	69.6%
Foreign born	92	2.1%
Naturalized citizen	367	8.4%
Not a US citizen	254	69.2%

Ancestry

Ancestry	Count	%
Italian	1,086	25%
French	513	11.8%
Arab	372	8.6%
German	68	1.6%

Ancestry	Count	%
Polish	49	1.1%
Irish	22	0.5%
English	16	0.4%
Norwegian	9	0.2%

Technology access

Metric	% of households
Computer access	35.3%
Internet access	96.3%

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

Frequently asked questions about ZIP code 10524

What city is ZIP code 10524 in?

ZIP code 10524 is primarily assigned to Garrison, New York.

What county is ZIP code 10524 in?

ZIP code 10524 falls within Putnam County, New York.

Is ZIP code 10524 mostly owner-occupied?

88% of occupied units in ZIP code 10524 are owner-occupied, well above the national average.

How educated is the population of ZIP code 10524?

52% 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 10524?

The median household income in ZIP code 10524 is $122,841, above the national median of ~$75,000.

What is the typical home value in ZIP code 10524?

The median home value in ZIP code 10524 is $510,400.

What timezone is ZIP code 10524 in?

ZIP code 10524 observes the EST timezone.