10965 ZIP Code — Pearl River, NY

Rockland County, New York

ZIP code 10965 is located in Pearl River, New York, within Rockland County. It covers approximately 5.23 square miles and serves a population of 15,666 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 10965

The housing stock consists of a mix of housing types. Most homes were built in the 1950s, giving the area an established character. Median home value is $515,900. Owner-occupancy is high at 75%, well above the national average.

Median household income is $130,610. The poverty rate of 7% is below the national average. 37% 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. The average commute of 31 minutes is near the national average.

Educational attainment is high — 48% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 10965 reflects a community defined by high homeownership and a significant Social Security-dependent population.

15,666

population

5.23

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

10965 ZIP code map

Cities in ZIP code 10965

Below are the cities the US Postal Service accepts for ZIP code 10965. Using any city not on this list may result in mail delivery delays.

City	Status
Pearl River	Acceptable
Pearl River	Preferred

Nearby ZIP codes

07645 Montvale (1.8 mi) 10954 Nanuet (2.3 mi) 07656 Park Ridge (2.4 mi) 10962 Orangeburg (2.7 mi) 10913 Blauvelt (2.8 mi) 07677 Woodcliff Lake (3.1 mi) 10994 West Nyack (3.4 mi) 07675 Westwood (3.6 mi) 10983 Tappan (4.1 mi) 10977 Spring Valley (4.1 mi) 07642 Hillsdale (4.2 mi) 07458 Saddle River (4.6 mi)

Demographics updated 05/2026

Population
Total population	15,666
Population density	2,995 / sq mi
State FIPS	36
County FIPS	087

Geography
Land area	5.23 sq mi
Water area	0.19 sq mi
Latitude	41.0617
Longitude	-74.0126
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	18.6%	28.2%	37.0%
$50k – $100k	25.5%	24.1%	27.0%
$100k – $200k	31.5%	29.3%	24.4%
Over $200k	24.4%	18.4%	11.5%

Demographics & statistics

15,666

Population

2,995

People per sq mi

39.2

Median age

$130,610

Median household income

$53,756

Per capita income

$515,900

Median home value

$1,967

Median monthly rent

75.4%

Home ownership

6.9%

Poverty rate

3.5%

Unemployment

4,503

Housing units

48.1%

Bachelor's or higher

Age distribution

Male Female

510

Under 5

474

584

5–9

542

602

10–14

559

355

15–19

329

605

20–24

563

875

25–34

814

966

35–44

898

1,221

45–54

1,135

441

55–59

410

374

60–64

347

691

65–74

643

547

75–84

508

349

85+

324

← Male

Female →

Age summary

Group	Count	%
Under 18	3,739	23.9%
18 and over	11,927	76.1%
65 and over	3,062	19.5%
Median age	39.2 years

Race & ethnicity

White 69.5%

Hispanic or Latino 11.8%

Other race 11.2%

Asian 3.8%

Two or more races 1.8%

Black or African American 1%

American Indian / Alaska Native 1%

Group	Count	%
White	12,333	69.5%
Hispanic or Latino	2,092	11.8%
Other race	1,993	11.2%
Asian	668	3.8%
Two or more races	313	1.8%
Black or African American	183	1%
American Indian / Alaska Native	176	1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	18.6%	28.2%	37.0%
$50k – $100k	25.5%	24.1%	27.0%
$100k – $200k	31.5%	29.3%	24.4%
Over $200k	24.4%	18.4%	11.5%

Under $10k 2.9%

$10k–$15k 0.8%

$15k–$25k 4.7%

$25k–$35k 1.6%

$35k–$50k 5.5%

$50k–$75k 12.8%

$75k–$100k 8.6%

$100k–$150k 20.6%

$150k–$200k 14.3%

$200k+ 28.2%

Range	% of households
Under $10k	2.9%
$10k–$15k	0.8%
$15k–$25k	4.7%
$25k–$35k	1.6%
$35k–$50k	5.5%
$50k–$75k	12.8%
$75k–$100k	8.6%
$100k–$150k	20.6%
$150k–$200k	14.3%
$200k+	28.2%
Median income	$130,610

Housing

Home values

Under $50k 0.6%

$50k–$100k 0.3%

$150k–$200k 1.4%

$200k–$300k 4.6%

$300k–$500k 40.4%

$500k–$1M 51.1%

$1M+ 1.6%

Housing overview

Metric	Value
Median home value	$515,900
Median rent / month	$1,967
Owner occupied	75.4%
Renter occupied	24.6%
Vacant	6.2%
Single-family detached	69.7%
Large apartment buildings	2.3%
Mobile homes	0.0%
Median rooms	6.4
Avg household size (owned)	2.93

Year built

Era	%
2020 or later	0.0%
2010–2019	4.7%
2000–2009	4.9%
1990–1999	7.4%
1980–1989	6.0%
1970–1979	6.5%
1960–1969	17.3%
1950–1959	29.8%
1940–1949	8.2%
1939 or earlier	15.2%

Bedrooms

Size	% of units
No bedroom (studio)	1.5%
1 bedroom	13.3%
2 bedrooms	14.0%
3 bedrooms	34.5%
4 bedrooms	30.3%
5+ bedrooms	6.3%

Vehicles per household

Vehicles	% of households
No vehicle	7.7%
1 vehicle	21.9%
2 vehicles	45.8%
3 or more	24.6%

Heating fuel

Fuel type	%
Utility gas	86.7%
Electricity	8.5%
Propane / LP gas	0.9%
Fuel oil	2.9%
Wood	0.1%
No fuel used	0.4%

Households & families

Household type	Count	%
Married-couple family	3,533	64.4%
Cohabiting couple	98	1.8%
Male householder, no spouse	823	15.0%
Female householder, no spouse	1,033	18.8%
Households with children under 18	1,987	36.2%
Households with seniors (65+)	2,172	39.6%
Average household size	2.84

Marital status

Status	Male	Female
Never married	30.2%	21.0%
Married	58.3%	61.3%
Separated	1.8%	0.5%
Widowed	4.6%	10.5%
Divorced	5.1%	6.6%

Education

Less than 9th grade 4.6%

Some HS, no diploma 5.5%

HS graduate 18.7%

Some college, no degree 16.1%

Associate's degree 7.0%

Bachelor's degree 24.8%

Graduate / professional 23.4%

Metric	%
HS diploma or higher	90.0%
Bachelor's or higher	48.1%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	420	10.4%
Kindergarten	325	8.0%
Elementary school	1,765	43.5%
High school	799	19.7%
College / grad school	748	18.4%

Employment

Industry of employment

Education & healthcare 26.0%

Construction 13.1%

Professional & management 12.1%

Public administration 11.1%

Retail trade 7.6%

Arts, food & hospitality 7.1%

Other services 5.9%

Manufacturing 5.8%

Finance & real estate 5.0%

Transportation & utilities 3.4%

Wholesale trade 1.5%

Information 1.4%

Occupation

Category	%
Management, business & arts	46.5%
Service	19.4%
Sales & office	16.5%
Natural resources & construction	13.0%
Production & transportation	4.6%

Employment type

Type	%
Private sector	72.1%
Government	23.7%
Self-employed	2.9%
Unpaid family workers	1.3%

Commute

Method	%
Drive alone	71.8%
Carpool	7.6%
Public transit	4.5%
Walk	1.1%
Work from home	14.8%
Other means	0.2%
Avg commute (minutes)	31.2

Poverty

All people 6.9%

Under 18 years 12.5%

18 and over 5.1%

Married-couple families 2.9%

Female-led households 12.0%

Income support

Source	% of households
Social Security	37.3%
Retirement income	32.8%
Supplemental Security	2.2%
Cash public assistance	1.8%
Food stamps / SNAP	6.5%

Health indicators

Condition	%
Obesity	24.5%
High blood pressure	27.5%
High cholesterol	32.7%
Diabetes	7.9%
Heart disease	5.5%
Stroke	2.4%
Asthma	9.1%
Arthritis	21.3%
Kidney disease	2.6%
Pulmonary disease	5.2%
Cancer	7.6%

Behavior / access	%
Smoking	11.5%
Binge drinking	16.5%
No physical activity	17.2%
Less than 7 hrs sleep	27.2%
Depression	17.1%
Fair or poor health	8.9%
Poor mental health	11.6%
Poor physical health	7.6%
No health insurance	9.0%
Visited doctor (checkup)	79.0%
Visited dentist	75.1%
Cholesterol screening	93.1%
Teeth loss	8.6%

Veterans & disability

Veterans	Count	%
Civilian veterans	454	3.8%

Disability	%
Any disability	9.6%
Under 18	1.6%
18–64 years	4.0%
65 and over	35.5%

Health insurance coverage

Type	%
Private insurance	80.9%
Public insurance	31.5%
No insurance	3.7%
Uninsured under 19	3.3%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	14,682	93.7%
Spanish	1,469	10.0%
Other Indo-European	888	6.0%
Asian & Pacific Islander	425	2.9%
Other languages	156	1.1%

Place of birth & citizenship

Origin	Count	%
Native born (US)	12,388	79.1%
Born in same state	12,133	77.4%
Born in different state	9,291	59.3%
Foreign born	255	1.6%
Naturalized citizen	3,278	20.9%
Not a US citizen	2,041	62.3%

Ancestry

Ancestry	Count	%
Italian	5,272	33.7%
French	831	5.3%
Arab	736	4.7%
Irish	180	1.1%

Ancestry	Count	%
English	127	0.8%
Polish	82	0.5%
Dutch	56	0.4%
Norwegian	19	0.1%

Technology access

Metric	% of households
Computer access	35.0%
Internet access	94.2%

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

Frequently asked questions about ZIP code 10965

What city is ZIP code 10965 in?

ZIP code 10965 is primarily assigned to Pearl River, New York.

What county is ZIP code 10965 in?

ZIP code 10965 falls within Rockland County, New York.

How educated is the population of ZIP code 10965?

48% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 10965 have a large retiree population?

37% of households in ZIP code 10965 receive Social Security income, suggesting a significant retiree or disability population.

What is the median household income in ZIP code 10965?

The median household income in ZIP code 10965 is $130,610, above the national median of ~$75,000.

What is the typical home value in ZIP code 10965?

The median home value in ZIP code 10965 is $515,900.

What timezone is ZIP code 10965 in?

ZIP code 10965 observes the EST timezone.