10538 ZIP Code — Larchmont, NY

Westchester County, New York

ZIP code 10538 is located in Larchmont, New York, within Westchester County. It covers approximately 3.51 square miles and serves a population of 17,605 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 914.

About ZIP code 10538

The housing stock consists of a significant share of large multi-unit buildings. Most homes were built in the pre-1940, giving the area an established character. Median home value is $1,124,600. Owner-occupancy is high at 81%, well above the national average.

The gap between median ($222,589) 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 education and healthcare as the leading industry. An above-average commute of 40 minutes suggests many residents work outside the immediate area. Remote work is prevalent — 24% of workers work from home.

Educational attainment is high — 81% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 10538 reflects a community defined by a highly educated population, high homeownership, and a high rate of remote workers.

17,605

population

3.51

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

10538 ZIP code map

Cities in ZIP code 10538

Below are the cities the US Postal Service accepts for ZIP code 10538. Using any city not on this list may result in mail delivery delays.

City	Status
Larchmont	Preferred

Nearby ZIP codes

10543 Mamaroneck (1.5 mi) 10801 New Rochelle (1.9 mi) 10804 New Rochelle (2.1 mi) 10805 New Rochelle (3 mi) 10709 Eastchester (3.2 mi) 10528 Harrison (3.6 mi) 10552 Mount Vernon (3.7 mi) 10553 Mount Vernon (3.9 mi) 10708 Bronxville (3.9 mi) 10707 Tuckahoe (4.1 mi) 10583 Scarsdale (4.4 mi) 10580 Rye (4.4 mi)

Demographics updated 06/2026

Population
Total population	17,605
Population density	5,016 / sq mi
State FIPS	36
County FIPS	119

Geography
Land area	3.51 sq mi
Water area	0.02 sq mi
Latitude	40.9341
Longitude	-73.7547
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	16.0%	27.3%	37.0%
$50k – $100k	16.0%	23.0%	27.0%
$100k – $200k	19.3%	26.5%	24.4%
Over $200k	48.6%	23.2%	11.5%

Demographics & statistics

17,605

Population

5,016

People per sq mi

39.4

Median age

$222,589

Median household income

$127,875

Per capita income

$1,124,600

Median home value

$2,151

Median monthly rent

81.1%

Home ownership

2.3%

Poverty rate

5.1%

Unemployment

5,371

Housing units

81.1%

Bachelor's or higher

Age distribution

Male Female

599

Under 5

614

784

5–9

802

836

10–14

855

546

15–19

559

179

20–24

183

755

25–34

773

1,427

35–44

1,461

1,281

45–54

1,311

578

55–59

591

605

60–64

619

667

65–74

683

330

75–84

337

114

85+

116

← Male

Female →

Age summary

Group	Count	%
Under 18	5,230	29.7%
18 and over	12,375	70.3%
65 and over	2,247	12.8%
Median age	39.4 years

Race & ethnicity

White 74.9%

Hispanic or Latino 7.7%

Two or more races 7.4%

Asian 4.5%

Black or African American 3.4%

Other race 1.7%

American Indian / Alaska Native 0.3%

Group	Count	%
White	14,284	74.9%
Hispanic or Latino	1,464	7.7%
Two or more races	1,414	7.4%
Asian	855	4.5%
Black or African American	654	3.4%
Other race	333	1.7%
American Indian / Alaska Native	65	0.3%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	16.0%	27.3%	37.0%
$50k – $100k	16.0%	23.0%	27.0%
$100k – $200k	19.3%	26.5%	24.4%
Over $200k	48.6%	23.2%	11.5%

Under $10k 4.4%

$15k–$25k 1.0%

$25k–$35k 3.9%

$35k–$50k 5.8%

$50k–$75k 5.1%

$75k–$100k 8.2%

$100k–$150k 10.8%

$150k–$200k 7.4%

$200k+ 53.6%

Range	% of households
Under $10k	4.4%
$15k–$25k	1.0%
$25k–$35k	3.9%
$35k–$50k	5.8%
$50k–$75k	5.1%
$75k–$100k	8.2%
$100k–$150k	10.8%
$150k–$200k	7.4%
$200k+	53.6%
Median income	$222,589

Housing

Home values

Under $50k 0.5%

$50k–$100k 0.2%

$100k–$150k 0.4%

$150k–$200k 2.2%

$200k–$300k 2.5%

$300k–$500k 8.9%

$500k–$1M 28.8%

$1M+ 56.6%

Housing overview

Metric	Value
Median home value	$1,124,600
Median rent / month	$2,151
Owner occupied	81.1%
Renter occupied	18.9%
Vacant	4.8%
Single-family detached	63.3%
Large apartment buildings	25.7%
Mobile homes	0.0%
Median rooms	6.9
Avg household size (owned)	2.97

Year built

Era	%
2020 or later	0.0%
2010–2019	4.7%
2000–2009	2.1%
1990–1999	1.0%
1980–1989	3.1%
1970–1979	3.9%
1960–1969	6.0%
1950–1959	13.0%
1940–1949	8.8%
1939 or earlier	57.4%

Bedrooms

Size	% of units
No bedroom (studio)	1.3%
1 bedroom	18.1%
2 bedrooms	17.3%
3 bedrooms	25.9%
4 bedrooms	18.3%
5+ bedrooms	19.1%

Vehicles per household

Vehicles	% of households
No vehicle	6.4%
1 vehicle	35.4%
2 vehicles	45.8%
3 or more	12.3%

Heating fuel

Fuel type	%
Utility gas	65.5%
Electricity	6.2%
Propane / LP gas	1.8%
Fuel oil	26.3%
No fuel used	0.3%

Households & families

Household type	Count	%
Married-couple family	4,317	69.2%
Cohabiting couple	181	2.9%
Male householder, no spouse	665	10.7%
Female householder, no spouse	1,074	17.2%
Households with children under 18	2,836	45.5%
Households with seniors (65+)	1,763	28.3%
Average household size	2.81

Marital status

Status	Male	Female
Never married	23.4%	22.5%
Married	70.9%	62.1%
Separated	0.7%	5.2%
Widowed	2.4%	5.8%
Divorced	2.6%	4.3%

Education

Less than 9th grade 1.3%

Some HS, no diploma 0.5%

HS graduate 7.3%

Some college, no degree 5.8%

Associate's degree 4.0%

Bachelor's degree 35.8%

Graduate / professional 45.3%

Metric	%
HS diploma or higher	98.2%
Bachelor's or higher	81.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	467	9.3%
Kindergarten	305	6.0%
Elementary school	2,565	50.8%
High school	1,210	24.0%
College / grad school	499	9.9%

Employment

Industry of employment

Education & healthcare 29.9%

Professional & management 20.7%

Finance & real estate 18.9%

Retail trade 7.1%

Information 4.3%

Manufacturing 3.6%

Other services 3.5%

Arts, food & hospitality 3.0%

Construction 2.8%

Public administration 2.6%

Transportation & utilities 2.3%

Wholesale trade 1.4%

Occupation

Category	%
Management, business & arts	75.5%
Service	6.9%
Sales & office	12.4%
Natural resources & construction	3.4%
Production & transportation	1.7%

Employment type

Type	%
Private sector	81.0%
Government	10.9%
Self-employed	7.7%
Unpaid family workers	0.5%

Commute

Method	%
Drive alone	37.3%
Carpool	5.5%
Public transit	28.9%
Walk	3.1%
Work from home	24.0%
Other means	1.2%
Avg commute (minutes)	39.5

Poverty

All people 2.3%

Under 18 years 0.8%

18 and over 2.9%

Married-couple families 0.0%

Female-led households 3.7%

Income support

Source	% of households
Social Security	19.3%
Retirement income	16.3%
Supplemental Security	3.8%
Cash public assistance	1.1%
Food stamps / SNAP	0.6%

Health indicators

Condition	%
Obesity	17.8%
High blood pressure	24.0%
High cholesterol	30.9%
Diabetes	6.5%
Heart disease	4.4%
Stroke	1.9%
Asthma	8.2%
Arthritis	18.1%
Kidney disease	2.2%
Pulmonary disease	3.6%
Cancer	7.6%

Behavior / access	%
Smoking	7.5%
Binge drinking	15.8%
No physical activity	13.7%
Less than 7 hrs sleep	27.9%
Depression	16.1%
Fair or poor health	6.4%
Poor mental health	10.1%
Poor physical health	6.2%
No health insurance	5.9%
Visited doctor (checkup)	77.7%
Visited dentist	81.3%
Cholesterol screening	95.1%
Teeth loss	5.0%

Veterans & disability

Veterans	Count	%
Civilian veterans	296	2.4%

Disability	%
Any disability	4.9%
Under 18	1.5%
18–64 years	4.4%
65 and over	15.5%

Health insurance coverage

Type	%
Private insurance	88.5%
Public insurance	17.5%
No insurance	3.0%
Uninsured under 19	2.2%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	16,392	93.1%
Spanish	584	3.6%
Other Indo-European	237	1.4%
Asian & Pacific Islander	261	1.6%
Other languages	86	0.5%

Place of birth & citizenship

Origin	Count	%
Native born (US)	14,604	83.0%
Born in same state	14,480	82.2%
Born in different state	9,838	55.9%
Foreign born	124	0.7%
Naturalized citizen	3,001	17.0%
Not a US citizen	1,948	64.9%

Ancestry

Ancestry	Count	%
Italian	3,285	18.7%
French	1,160	6.6%
Arab	836	4.7%
Polish	184	1%
Irish	128	0.7%

Ancestry	Count	%
Norwegian	89	0.5%
Dutch	61	0.3%
English	38	0.2%
German	17	0.1%

Technology access

Metric	% of households
Computer access	35.4%
Internet access	99.3%

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

Frequently asked questions about ZIP code 10538

What city is ZIP code 10538 in?

ZIP code 10538 is primarily assigned to Larchmont, New York.

What county is ZIP code 10538 in?

ZIP code 10538 falls within Westchester County, New York.

How educated is the population of ZIP code 10538?

81% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 10538 mostly owner-occupied?

81% of occupied units in ZIP code 10538 are owner-occupied, well above the national average.

What is the median household income in ZIP code 10538?

The median household income in ZIP code 10538 is $222,589, above the national median of ~$75,000.

What is the typical home value in ZIP code 10538?

The median home value in ZIP code 10538 is $1,124,600.

What timezone is ZIP code 10538 in?

ZIP code 10538 observes the EST timezone.