10963 ZIP Code — Otisville, NY

Orange County, New York

ZIP code 10963 is located in Otisville, New York, within Orange County. It covers approximately 13.20 square miles and serves a population of 4,347 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 10963

The housing stock consists of predominantly single-family detached homes. Most homes were built in the pre-1940, giving the area an established character. Median home value is $284,700. Owner-occupancy sits near the national average at 68%.

Median household income is $78,786. The poverty rate of 6% is below the national average. 47% 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.

College attainment at 21% is below the national average, consistent with a trades and production-oriented local economy.

4,347

population

13.20

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

10963 ZIP code map

Cities in ZIP code 10963

Below are the cities the US Postal Service accepts for ZIP code 10963. Using any city not on this list may result in mail delivery delays.

City	Status
Otisville	Preferred

Nearby ZIP codes

10940 Middletown (3.2 mi) 12729 Cuddebackville (4.8 mi) 12746 Huguenot (6.3 mi) 10973 Slate Hill (6.4 mi) 12771 Port Jervis (8.4 mi) 10958 New Hampton (8.4 mi) 12790 Wurtsboro (9.2 mi) 10919 Circleville (9.2 mi) 10998 Westtown (9.5 mi) 10941 Middletown (10 mi) 12721 Bloomingburg (10.2 mi) 12777 Forestburgh (10.2 mi)

Demographics updated 06/2026

Population
Total population	4,347
Population density	329 / sq mi
State FIPS	36
County FIPS	071

Geography
Land area	13.20 sq mi
Water area	0.11 sq mi
Latitude	41.4645
Longitude	-74.5401
Timezone	Eastern (ET)
Area code	845

Total population by age

Gender

Race & ethnicity

Economics updated 06/2026

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.9%	31.9%	37.0%
$50k – $100k	35.6%	27.9%	27.0%
$100k – $200k	26.5%	29.5%	24.4%
Over $200k	6.1%	10.6%	11.5%

Demographics & statistics

4,347

Population

329

People per sq mi

40.1

Median age

$78,786

Median household income

$31,038

Per capita income

$284,700

Median home value

$910

Median monthly rent

67.9%

Home ownership

6.3%

Poverty rate

2.1%

Unemployment

1,020

Housing units

20.5%

Bachelor's or higher

Age distribution

Male Female

122

Under 5

155

5–9

169

10–14

155

15–19

20–24

423

25–34

218

522

35–44

268

458

45–54

236

174

55–59

155

60–64

271

65–74

140

155

75–84

85+

← Male

Female →

Age summary

Group	Count	%
Under 18	807	18.6%
18 and over	3,540	81.4%
65 and over	682	15.7%
Median age	40.1 years

Race & ethnicity

White 60.3%

Black or African American 14.2%

Hispanic or Latino 8.9%

Two or more races 7.7%

Other race 4.4%

Asian 4.1%

American Indian / Alaska Native 0.4%

Group	Count	%
White	2,878	60.3%
Black or African American	676	14.2%
Hispanic or Latino	424	8.9%
Two or more races	368	7.7%
Other race	212	4.4%
Asian	196	4.1%
American Indian / Alaska Native	17	0.4%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	31.9%	31.9%	37.0%
$50k – $100k	35.6%	27.9%	27.0%
$100k – $200k	26.5%	29.5%	24.4%
Over $200k	6.1%	10.6%	11.5%

Under $10k 1.6%

$10k–$15k 2.5%

$15k–$25k 10.2%

$25k–$35k 5.6%

$35k–$50k 12.9%

$50k–$75k 15.1%

$75k–$100k 10.1%

$100k–$150k 19.9%

$150k–$200k 12.0%

$200k+ 10.1%

Range	% of households
Under $10k	1.6%
$10k–$15k	2.5%
$15k–$25k	10.2%
$25k–$35k	5.6%
$35k–$50k	12.9%
$50k–$75k	15.1%
$75k–$100k	10.1%
$100k–$150k	19.9%
$150k–$200k	12.0%
$200k+	10.1%
Median income	$78,786

Housing

Home values

Under $50k 1.7%

$50k–$100k 2.4%

$100k–$150k 1.8%

$150k–$200k 15.4%

$200k–$300k 35.7%

$300k–$500k 36.6%

$500k–$1M 6.1%

$1M+ 0.2%

Housing overview

Metric	Value
Median home value	$284,700
Median rent / month	$910
Owner occupied	67.9%
Renter occupied	32.1%
Vacant	10.5%
Single-family detached	73.6%
Large apartment buildings	9.6%
Mobile homes	0.1%
Median rooms	5.6
Avg household size (owned)	2.87

Year built

Era	%
2020 or later	0.0%
2010–2019	5.3%
2000–2009	10.5%
1990–1999	11.0%
1980–1989	7.8%
1970–1979	15.2%
1960–1969	6.5%
1950–1959	11.2%
1940–1949	5.2%
1939 or earlier	27.3%

Bedrooms

Size	% of units
No bedroom (studio)	3.1%
1 bedroom	15.2%
2 bedrooms	23.7%
3 bedrooms	37.4%
4 bedrooms	17.2%
5+ bedrooms	3.4%

Vehicles per household

Vehicles	% of households
No vehicle	6.2%
1 vehicle	38.4%
2 vehicles	37.7%
3 or more	17.7%

Heating fuel

Fuel type	%
Utility gas	3.1%
Electricity	3.5%
Propane / LP gas	21.9%
Fuel oil	66.8%
Wood	2.2%
Solar	1.0%

Households & families

Household type	Count	%
Married-couple family	550	42.9%
Cohabiting couple	73	5.7%
Male householder, no spouse	424	33.1%
Female householder, no spouse	235	18.3%
Households with children under 18	384	30.0%
Households with seniors (65+)	473	36.9%
Average household size	2.56

Marital status

Status	Male	Female
Never married	50.8%	21.9%
Married	34.1%	48.6%
Separated	1.8%	0.4%
Widowed	1.0%	10.8%
Divorced	12.3%	18.3%

Education

Less than 9th grade 3.3%

Some HS, no diploma 19.1%

HS graduate 28.1%

Some college, no degree 16.1%

Associate's degree 12.9%

Bachelor's degree 11.9%

Graduate / professional 8.7%

Metric	%
HS diploma or higher	77.6%
Bachelor's or higher	20.5%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	99	11.3%
Kindergarten	68	7.7%
Elementary school	304	34.6%
High school	186	21.2%
College / grad school	221	25.2%

Employment

Industry of employment

Education & healthcare 29.6%

Construction 13.6%

Public administration 10.5%

Retail trade 9.6%

Arts, food & hospitality 7.4%

Professional & management 7.1%

Other services 6.9%

Transportation & utilities 4.2%

Wholesale trade 3.8%

Finance & real estate 3.0%

Manufacturing 2.7%

Information 1.5%

Occupation

Category	%
Management, business & arts	36.9%
Service	25.1%
Sales & office	8.8%
Natural resources & construction	13.5%
Production & transportation	15.7%

Employment type

Type	%
Private sector	76.5%
Government	22.8%
Self-employed	0.8%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	79.4%
Carpool	3.5%
Public transit	0.4%
Walk	1.3%
Work from home	14.5%
Other means	0.8%
Avg commute (minutes)	37.2

Poverty

All people 6.3%

Under 18 years 9.0%

18 and over 5.4%

Married-couple families 2.9%

Female-led households 2.3%

Income support

Source	% of households
Social Security	47.3%
Retirement income	23.6%
Supplemental Security	4.0%
Cash public assistance	1.3%
Food stamps / SNAP	8.1%

Health indicators

Condition	%
Obesity	33.5%
High blood pressure	29.9%
High cholesterol	29.4%
Diabetes	9.4%
Heart disease	4.8%
Stroke	2.4%
Asthma	9.6%
Arthritis	18.3%
Kidney disease	2.3%
Pulmonary disease	5.0%
Cancer	4.4%

Behavior / access	%
Smoking	18.7%
Binge drinking	20.1%
No physical activity	24.4%
Less than 7 hrs sleep	40.0%
Depression	17.7%
Fair or poor health	12.5%
Poor mental health	13.8%
Poor physical health	8.9%
No health insurance	15.3%
Visited doctor (checkup)	74.6%
Visited dentist	62.0%
Cholesterol screening	89.9%
Teeth loss	13.7%

Veterans & disability

Veterans	Count	%
Civilian veterans	294	8.3%

Disability	%
Any disability	12.8%
Under 18	1.4%
18–64 years	15.3%
65 and over	20.2%

Health insurance coverage

Type	%
Private insurance	63.6%
Public insurance	37.8%
No insurance	10.5%
Uninsured under 19	3.9%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	4,162	95.7%
Spanish	211	5.1%
Other Indo-European	133	3.2%
Asian & Pacific Islander	37	0.9%
Other languages	41	1.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	3,837	88.3%
Born in same state	3,786	87.1%
Born in different state	3,184	73.2%
Foreign born	51	1.2%
Naturalized citizen	510	11.7%
Not a US citizen	214	42.0%

Ancestry

Ancestry	Count	%
Italian	717	16.5%
English	180	4.1%
French	157	3.6%

Ancestry	Count	%
Arab	104	2.4%
Irish	67	1.5%
German	3	0.1%

Technology access

Metric	% of households
Computer access	29.5%
Internet access	92.1%

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

Frequently asked questions about ZIP code 10963

What city is ZIP code 10963 in?

ZIP code 10963 is primarily assigned to Otisville, New York.

What county is ZIP code 10963 in?

ZIP code 10963 falls within Orange County, New York.

Does ZIP code 10963 have a large retiree population?

47% of households in ZIP code 10963 receive Social Security income, suggesting a significant retiree or disability population.

What is the population of ZIP code 10963?

ZIP code 10963 has an estimated population of 4,347 residents, with a density of 329 people per square mile.

What is the typical home value in ZIP code 10963?

The median home value in ZIP code 10963 is $284,700.

What is the median household income in ZIP code 10963?

The median household income in ZIP code 10963 is $78,786, above the national median of ~$75,000.

What timezone is ZIP code 10963 in?

ZIP code 10963 observes the EST timezone.