10550 ZIP Code — Mount Vernon, NY

Westchester County, New York

ZIP code 10550 is located in Mount Vernon, New York, within Westchester County. It covers approximately 1.99 square miles and serves a population of 40,073 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 914.

About ZIP code 10550

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 $453,000. Renters make up the majority at 75%, typical of denser urban areas.

Median household income is $54,138. Poverty affects 20% of residents, above the national average. SNAP benefit usage at 29% of households reflects economic stress in the area. 34% 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 37 minutes suggests many residents work outside the immediate area.

Educational attainment is near the national average, with 23% of residents holding a bachelor's degree or higher.

Overall, ZIP code 10550 reflects a community defined by economic challenges above the national average, a significant Social Security-dependent population, and elevated reliance on food assistance.

40,073

population

1.99

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

10550 ZIP code map

Cities in ZIP code 10550

Below are the cities the US Postal Service accepts for ZIP code 10550. Using any city not on this list may result in mail delivery delays.

City	Status
Mount Vernon	Acceptable
Mount Vernon	Preferred

Nearby ZIP codes

10553 Mount Vernon (0.7 mi) 10466 Bronx (1.1 mi) 10552 Mount Vernon (1.3 mi) 10470 Bronx (1.5 mi) 10704 Yonkers (1.9 mi) 10708 Bronxville (2.3 mi) 10475 Bronx (2.3 mi) 10469 Bronx (2.5 mi) 10801 New Rochelle (2.8 mi) 10467 Bronx (2.8 mi) 10805 New Rochelle (2.9 mi) 10705 Yonkers (3.2 mi)

Demographics updated 05/2026

Population
Total population	40,073
Population density	20,137 / sq mi
State FIPS	36
County FIPS	119

Geography
Land area	1.99 sq mi
Water area	0.01 sq mi
Latitude	40.9060
Longitude	-73.8344
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	54.8%	27.3%	37.0%
$50k – $100k	25.1%	23.0%	27.0%
$100k – $200k	15.9%	26.5%	24.4%
Over $200k	4.2%	23.2%	11.5%

Demographics & statistics

40,073

Population

20,137

People per sq mi

40.1

Median age

$54,138

Median household income

$31,824

Per capita income

$453,000

Median home value

$1,367

Median monthly rent

24.8%

Home ownership

19.7%

Poverty rate

9.6%

Unemployment

4,593

Housing units

22.7%

Bachelor's or higher

Age distribution

Male Female

959

Under 5

1,168

1,004

5–9

1,224

1,381

10–14

1,683

929

15–19

1,132

972

20–24

1,185

2,408

25–34

2,933

2,724

35–44

3,319

2,468

45–54

3,005

1,034

55–59

1,259

1,307

60–64

1,592

1,537

65–74

1,871

829

75–84

1,010

514

85+

626

← Male

Female →

Age summary

Group	Count	%
Under 18	8,617	21.5%
18 and over	31,456	78.5%
65 and over	6,387	15.9%
Median age	40.1 years

Race & ethnicity

Black or African American 61.7%

Hispanic or Latino 13.8%

Other race 7.8%

Two or more races 7.6%

White 7.5%

Asian 1%

American Indian / Alaska Native 0.8%

Group	Count	%
Black or African American	28,663	61.7%
Hispanic or Latino	6,408	13.8%
Other race	3,603	7.8%
Two or more races	3,512	7.6%
White	3,467	7.5%
Asian	448	1%
American Indian / Alaska Native	380	0.8%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	54.8%	27.3%	37.0%
$50k – $100k	25.1%	23.0%	27.0%
$100k – $200k	15.9%	26.5%	24.4%
Over $200k	4.2%	23.2%	11.5%

Under $10k 9.5%

$10k–$15k 9.4%

$15k–$25k 7.9%

$25k–$35k 7.7%

$35k–$50k 13.9%

$50k–$75k 10.0%

$75k–$100k 12.8%

$100k–$150k 14.7%

$150k–$200k 7.4%

$200k+ 6.7%

Range	% of households
Under $10k	9.5%
$10k–$15k	9.4%
$15k–$25k	7.9%
$25k–$35k	7.7%
$35k–$50k	13.9%
$50k–$75k	10.0%
$75k–$100k	12.8%
$100k–$150k	14.7%
$150k–$200k	7.4%
$200k+	6.7%
Median income	$54,138

Housing

Home values

Under $50k 2.3%

$50k–$100k 1.0%

$100k–$150k 1.7%

$150k–$200k 4.6%

$200k–$300k 17.2%

$300k–$500k 33.1%

$500k–$1M 38.1%

$1M+ 2.1%

Housing overview

Metric	Value
Median home value	$453,000
Median rent / month	$1,367
Owner occupied	24.8%
Renter occupied	75.2%
Vacant	4.4%
Single-family detached	16.7%
Large apartment buildings	34.0%
Mobile homes	0.4%
Median rooms	3.9
Avg household size (owned)	3.48

Year built

Era	%
2020 or later	0.2%
2010–2019	3.9%
2000–2009	3.7%
1990–1999	4.3%
1980–1989	5.2%
1970–1979	8.7%
1960–1969	10.6%
1950–1959	13.4%
1940–1949	11.8%
1939 or earlier	38.3%

Bedrooms

Size	% of units
No bedroom (studio)	14.2%
1 bedroom	31.4%
2 bedrooms	27.1%
3 bedrooms	18.9%
4 bedrooms	4.6%
5+ bedrooms	3.8%

Vehicles per household

Vehicles	% of households
No vehicle	42.1%
1 vehicle	35.5%
2 vehicles	15.5%
3 or more	6.9%

Heating fuel

Fuel type	%
Utility gas	43.8%
Electricity	19.0%
Propane / LP gas	2.4%
Fuel oil	32.1%
No fuel used	1.4%

Households & families

Household type	Count	%
Married-couple family	4,186	26.8%
Cohabiting couple	621	4.0%
Male householder, no spouse	3,600	23.0%
Female householder, no spouse	7,229	46.2%
Households with children under 18	4,704	30.1%
Households with seniors (65+)	5,500	35.2%
Average household size	2.54

Marital status

Status	Male	Female
Never married	49.2%	43.9%
Married	36.1%	28.7%
Separated	4.4%	3.7%
Widowed	2.9%	10.8%
Divorced	7.4%	12.9%

Education

Less than 9th grade 6.4%

Some HS, no diploma 11.7%

HS graduate 29.4%

Some college, no degree 22.4%

Associate's degree 7.4%

Bachelor's degree 12.4%

Graduate / professional 10.2%

Metric	%
HS diploma or higher	81.9%
Bachelor's or higher	22.7%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	469	4.7%
Kindergarten	390	3.9%
Elementary school	4,410	44.6%
High school	1,972	19.9%
College / grad school	2,644	26.7%

Employment

Industry of employment

Education & healthcare 37.0%

Professional & management 10.6%

Retail trade 9.2%

Arts, food & hospitality 8.8%

Transportation & utilities 8.4%

Construction 7.5%

Finance & real estate 5.1%

Other services 4.2%

Public administration 3.7%

Wholesale trade 2.6%

Manufacturing 2.1%

Information 0.8%

Occupation

Category	%
Management, business & arts	30.7%
Service	28.4%
Sales & office	18.7%
Natural resources & construction	10.2%
Production & transportation	12.0%

Employment type

Type	%
Private sector	78.2%
Government	17.0%
Self-employed	4.4%
Unpaid family workers	0.4%

Commute

Method	%
Drive alone	43.8%
Carpool	8.2%
Public transit	32.6%
Walk	5.5%
Work from home	5.5%
Other means	4.3%
Avg commute (minutes)	36.9

Poverty

All people 19.7%

Under 18 years 31.8%

18 and over 16.6%

Married-couple families 3.6%

Female-led households 29.8%

Income support

Source	% of households
Social Security	34.1%
Retirement income	19.2%
Supplemental Security	8.5%
Cash public assistance	6.0%
Food stamps / SNAP	28.7%

Health indicators

Condition	%
Obesity	29.7%
High blood pressure	34.9%
High cholesterol	27.1%
Diabetes	12.9%
Heart disease	5.5%
Stroke	3.9%
Asthma	11.9%
Arthritis	20.7%
Kidney disease	3.4%
Pulmonary disease	6.2%
Cancer	5.2%

Behavior / access	%
Smoking	17.5%
Binge drinking	12.7%
No physical activity	30.1%
Less than 7 hrs sleep	41.6%
Depression	17.1%
Fair or poor health	17.8%
Poor mental health	15.4%
Poor physical health	11.4%
No health insurance	17.1%
Visited doctor (checkup)	80.5%
Visited dentist	57.9%
Cholesterol screening	90.9%
Teeth loss	19.5%

Veterans & disability

Veterans	Count	%
Civilian veterans	818	2.6%

Disability	%
Any disability	15.8%
Under 18	6.2%
18–64 years	12.6%
65 and over	41.8%

Health insurance coverage

Type	%
Private insurance	56.4%
Public insurance	47.9%
No insurance	8.1%
Uninsured under 19	2.4%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	37,946	94.7%
Spanish	3,603	9.5%
Other Indo-European	2,105	5.5%
Asian & Pacific Islander	931	2.5%
Other languages	154	0.4%

Place of birth & citizenship

Origin	Count	%
Native born (US)	26,434	66.0%
Born in same state	25,553	63.8%
Born in different state	21,414	53.4%
Foreign born	881	2.2%
Naturalized citizen	13,639	34.0%
Not a US citizen	8,433	61.8%

Ancestry

Ancestry	Count	%
Arab	2,057	5.1%
Italian	430	1.1%

Ancestry	Count	%
French	141	0.4%
Polish	48	0.1%

Technology access

Metric	% of households
Computer access	39.0%
Internet access	89.0%

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

Frequently asked questions about ZIP code 10550

What city is ZIP code 10550 in?

ZIP code 10550 is primarily assigned to Mount Vernon, New York.

What county is ZIP code 10550 in?

ZIP code 10550 falls within Westchester County, New York.

Is ZIP code 10550 mostly rentals?

75% of occupied units in ZIP code 10550 are renter-occupied.

What is the poverty rate in ZIP code 10550?

20% of residents in ZIP code 10550 live below the poverty line, above the national average.

What is the typical home value in ZIP code 10550?

The median home value in ZIP code 10550 is $453,000.

What is the population of ZIP code 10550?

ZIP code 10550 has an estimated population of 40,073 residents, with a density of 20,157 people per square mile.

What timezone is ZIP code 10550 in?

ZIP code 10550 observes the EST timezone.