10546 ZIP Code — Millwood, NY

Westchester County, New York

ZIP code 10546 is located in Millwood, New York, within Westchester County. It covers approximately 1.21 square miles and serves a population of 1,022 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 914.

About ZIP code 10546

The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $825,400. Owner-occupancy is high at 90%, well above the national average.

Median household income is $199,464.

The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. An above-average commute of 41 minutes suggests many residents work outside the immediate area.

Educational attainment is high — 88% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 10546 reflects a community defined by a highly educated population and high homeownership.

1,022

population

1.21

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

10546 ZIP code map

Cities in ZIP code 10546

Below are the cities the US Postal Service accepts for ZIP code 10546. Using any city not on this list may result in mail delivery delays.

City	Status
Millwood	Preferred

Nearby ZIP codes

10514 Chappaqua (2 mi) 10562 Ossining (2.2 mi) 10549 Mount Kisco (4.1 mi) 10510 Briarcliff Manor (4.3 mi) 10520 Croton On Hudson (4.4 mi) 10570 Pleasantville (4.9 mi) 10594 Thornwood (5.8 mi) 10507 Bedford Hills (5.8 mi) 10598 Yorktown Heights (6.2 mi) 10504 Armonk (6.7 mi) 10532 Hawthorne (7 mi) 10501 Amawalk (7.2 mi)

Demographics updated 05/2026

Population
Total population	1,022
Population density	845 / sq mi
State FIPS	36
County FIPS	119

Geography
Land area	1.21 sq mi
Water area	0.01 sq mi
Latitude	41.1958
Longitude	-73.7963
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	17.7%	27.3%	37.0%
$50k – $100k	4.8%	23.0%	27.0%
$100k – $200k	25.5%	26.5%	24.4%
Over $200k	52.0%	23.2%	11.5%

Demographics & statistics

1,022

Population

845

People per sq mi

48.1

Median age

$199,464

Median household income

$86,209

Per capita income

$825,400

Median home value

$3,501

Median monthly rent

89.9%

Home ownership

0.3%

Poverty rate

0.0%

Unemployment

423

Housing units

87.7%

Bachelor's or higher

Age distribution

Male Female

Under 5

5–9

10–14

15–19

20–24

25–34

35–44

45–54

102

55–59

60–64

65–74

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	187	18.3%
18 and over	835	81.7%
65 and over	188	18.4%
Median age	48.1 years

Race & ethnicity

White 67.9%

Asian 19.7%

Two or more races 6.6%

Hispanic or Latino 5.6%

Black or African American 0.2%

Group	Count	%
White	735	67.9%
Asian	213	19.7%
Two or more races	72	6.6%
Hispanic or Latino	61	5.6%
Black or African American	2	0.2%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	17.7%	27.3%	37.0%
$50k – $100k	4.8%	23.0%	27.0%
$100k – $200k	25.5%	26.5%	24.4%
Over $200k	52.0%	23.2%	11.5%

$35k–$50k 19.6%

$50k–$75k 1.3%

$75k–$100k 7.5%

$100k–$150k 6.5%

$150k–$200k 15.8%

$200k+ 49.2%

Range	% of households
$35k–$50k	19.6%
$50k–$75k	1.3%
$75k–$100k	7.5%
$100k–$150k	6.5%
$150k–$200k	15.8%
$200k+	49.2%
Median income	$199,464

Housing

Home values

$300k–$500k 9.5%

$500k–$1M 79.3%

$1M+ 11.2%

Housing overview

Metric	Value
Median home value	$825,400
Median rent / month	$3,501
Owner occupied	89.9%
Renter occupied	10.1%
Vacant	14.0%
Single-family detached	86.8%
Large apartment buildings	0.0%
Mobile homes	0.0%
Median rooms	7.5
Avg household size (owned)	2.55

Year built

Era	%
2020 or later	0.0%
2010–2019	0.0%
2000–2009	0.0%
1990–1999	1.7%
1980–1989	14.7%
1970–1979	29.4%
1960–1969	12.7%
1950–1959	19.0%
1940–1949	3.7%
1939 or earlier	18.8%

Bedrooms

Size	% of units
No bedroom (studio)	4.3%
1 bedroom	7.8%
2 bedrooms	15.3%
3 bedrooms	23.8%
4 bedrooms	37.6%
5+ bedrooms	11.2%

Vehicles per household

Vehicles	% of households
No vehicle	0.0%
1 vehicle	31.9%
2 vehicles	50.5%
3 or more	17.6%

Heating fuel

Fuel type	%
Utility gas	3.0%
Propane / LP gas	4.5%
Fuel oil	89.7%
Wood	2.8%

Households & families

Household type	Count	%
Married-couple family	236	59.3%
Cohabiting couple	0	0.0%
Male householder, no spouse	46	11.6%
Female householder, no spouse	116	29.1%
Households with children under 18	104	26.1%
Households with seniors (65+)	108	27.1%
Average household size	2.56

Marital status

Status	Male	Female
Never married	25.5%	27.7%
Married	69.0%	64.3%
Separated	0.0%	0.0%
Widowed	0.0%	0.0%
Divorced	5.4%	8.0%

Education

Less than 9th grade 0.0%

Some HS, no diploma 0.0%

HS graduate 4.0%

Some college, no degree 3.6%

Associate's degree 4.8%

Bachelor's degree 38.3%

Graduate / professional 49.3%

Metric	%
HS diploma or higher	100.0%
Bachelor's or higher	87.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	30	13.0%
Kindergarten	0	0.0%
Elementary school	98	42.4%
High school	34	14.7%
College / grad school	69	29.9%

Employment

Industry of employment

Education & healthcare 35.0%

Professional & management 25.8%

Finance & real estate 8.0%

Retail trade 5.6%

Information 5.4%

Manufacturing 4.4%

Arts, food & hospitality 4.4%

Other services 3.2%

Wholesale trade 2.9%

Transportation & utilities 2.9%

Construction 1.5%

Public administration 0.8%

Occupation

Category	%
Management, business & arts	66.2%
Service	7.6%
Sales & office	24.6%
Natural resources & construction	1.5%
Production & transportation	0.0%

Employment type

Type	%
Private sector	86.2%
Government	5.4%
Self-employed	8.3%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	63.7%
Carpool	9.0%
Public transit	10.9%
Walk	0.0%
Work from home	16.4%
Other means	0.0%
Avg commute (minutes)	41.1

Poverty

All people 0.3%

Under 18 years 0.0%

18 and over 0.4%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	24.9%
Retirement income	19.3%
Supplemental Security	0.0%
Cash public assistance	0.0%
Food stamps / SNAP	0.0%

Health indicators

Condition	%
Obesity	17.5%
High blood pressure	22.8%
High cholesterol	29.3%
Diabetes	6.5%
Heart disease	3.9%
Stroke	1.7%
Asthma	8.1%
Arthritis	16.5%
Kidney disease	2.0%
Pulmonary disease	3.5%
Cancer	6.5%

Behavior / access	%
Smoking	8.2%
Binge drinking	16.0%
No physical activity	14.2%
Less than 7 hrs sleep	28.9%
Depression	16.0%
Fair or poor health	6.4%
Poor mental health	10.3%
Poor physical health	6.1%
No health insurance	6.0%
Visited doctor (checkup)	76.8%
Visited dentist	80.1%
Cholesterol screening	94.6%
Teeth loss	5.1%

Veterans & disability

Veterans	Count	%
Civilian veterans	13	1.6%

Disability	%
Any disability	5.0%
Under 18	0.0%
18–64 years	4.2%
65 and over	12.8%

Health insurance coverage

Type	%
Private insurance	93.6%
Public insurance	16.7%
No insurance	0.8%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	975	95.4%
Spanish	78	8.0%
Other Indo-European	0	0.0%
Asian & Pacific Islander	0	0.0%
Other languages	78	8.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	879	86.0%
Born in same state	861	84.2%
Born in different state	639	62.5%
Foreign born	18	1.8%
Naturalized citizen	143	14.0%
Not a US citizen	46	32.2%

Ancestry

Ancestry	Count	%
Italian	88	8.6%
French	43	4.2%

Ancestry	Count	%
Arab	39	3.8%
English	27	2.6%

Technology access

Metric	% of households
Computer access	38.9%
Internet access	100.0%

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

Frequently asked questions about ZIP code 10546

What city is ZIP code 10546 in?

ZIP code 10546 is primarily assigned to Millwood, New York.

What county is ZIP code 10546 in?

ZIP code 10546 falls within Westchester County, New York.

How educated is the population of ZIP code 10546?

88% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 10546 mostly owner-occupied?

90% of occupied units in ZIP code 10546 are owner-occupied, well above the national average.

What is the median household income in ZIP code 10546?

The median household income in ZIP code 10546 is $199,464, above the national median of ~$75,000.

What is the typical home value in ZIP code 10546?

The median home value in ZIP code 10546 is $825,400.

What timezone is ZIP code 10546 in?

ZIP code 10546 observes the EST timezone.