10986 ZIP Code — Tomkins Cove, NY

Rockland County, New York

ZIP code 10986 is located in Tomkins Cove, New York, within Rockland County. It covers approximately 9.87 square miles and serves a population of 1,529 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 10986

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 $543,800. Owner-occupancy is high at 89%, well above the national average.

Median household income is $155,417. The poverty rate of 6% is below the national average. 36% of households receive Social Security income, suggesting a notable retiree or disability population.

The dominant occupation class is sales and office, with retail trade as the leading industry. The average commute of 28 minutes is near the national average.

Educational attainment is near the national average, with 38% of residents holding a bachelor's degree or higher.

Overall, ZIP code 10986 reflects a community defined by high homeownership and a significant Social Security-dependent population.

1,529
population
9.87
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
10986 ZIP code map
Cities in ZIP code 10986

Below are the cities the US Postal Service accepts for ZIP code 10986. Using any city not on this list may result in mail delivery delays.

City Status
Tomkins Cove Preferred
Nearby ZIP codes
10911 Bear Mountain (1.9 mi) 10511 Buchanan (2.4 mi) 10980 Stony Point (3.4 mi) 10566 Peekskill (3.4 mi) 10548 Montrose (3.4 mi) 10928 Highland Falls (4.4 mi) 10993 West Haverstraw (4.9 mi) 10984 Thiells (5.2 mi) 10923 Garnerville (5.3 mi) 10927 Haverstraw (6.3 mi) 10537 Lake Peekskill (6.7 mi) 10917 Central Valley (7.3 mi)
Demographics updated 05/2026
Population
Total population 1,529
Population density 155 / sq mi
State FIPS 36
County FIPS 087
Geography
Land area 9.87 sq mi
Water area 0.07 sq mi
Latitude 41.2801
Longitude -73.9883
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 14.9% 28.2% 37.0%
$50k – $100k 11.8% 24.1% 27.0%
$100k – $200k 34.9% 29.3% 24.4%
Over $200k 38.4% 18.4% 11.5%

Demographics & statistics

1,529
Population
155
People per sq mi
47.1
Median age
$155,417
Median household income
$58,727
Per capita income
$543,800
Median home value
$2,031
Median monthly rent
88.9%
Home ownership
5.7%
Poverty rate
6.8%
Unemployment
512
Housing units
37.7%
Bachelor's or higher

Age distribution

Male Female
20
Under 5
24
33
5–9
37
33
10–14
37
33
15–19
38
73
20–24
83
88
25–34
100
63
35–44
72
84
45–54
96
95
55–59
108
91
60–64
105
33
65–74
38
42
75–84
49
25
85+
29
← Male
Female →

Age summary

GroupCount%
Under 1821714.2%
18 and over1,31285.8%
65 and over21614.1%
Median age47.1 years

Race & ethnicity

White 78.5%
Hispanic or Latino 7.3%
Other race 4.8%
Black or African American 4%
Two or more races 2.9%
Asian 2.5%
GroupCount%
White1,29478.5%
Hispanic or Latino1207.3%
Other race794.8%
Black or African American664%
Two or more races482.9%
Asian422.5%

Household income

Income range This ZIP County avg State avg
Under $50k 14.9% 28.2% 37.0%
$50k – $100k 11.8% 24.1% 27.0%
$100k – $200k 34.9% 29.3% 24.4%
Over $200k 38.4% 18.4% 11.5%
Under $10k 12.3%
$10k–$15k 0.9%
$25k–$35k 6.0%
$35k–$50k 4.0%
$50k–$75k 18.1%
$75k–$100k 1.8%
$100k–$150k 5.4%
$150k–$200k 11.2%
$200k+ 40.2%
Range% of households
Under $10k12.3%
$10k–$15k0.9%
$25k–$35k6.0%
$35k–$50k4.0%
$50k–$75k18.1%
$75k–$100k1.8%
$100k–$150k5.4%
$150k–$200k11.2%
$200k+40.2%
Median income$155,417

Housing

Home values

$100k–$150k 1.6%
$200k–$300k 1.6%
$300k–$500k 39.1%
$500k–$1M 57.6%

Housing overview

MetricValue
Median home value$543,800
Median rent / month$2,031
Owner occupied88.9%
Renter occupied11.1%
Vacant3.7%
Single-family detached82.4%
Large apartment buildings0.0%
Mobile homes0.0%
Median rooms7.3
Avg household size (owned)2.88

Year built

Era%
2020 or later0.0%
2010–20192.4%
2000–20095.2%
1990–199916.2%
1980–19899.1%
1970–19793.5%
1960–196917.5%
1950–195915.4%
1940–19497.2%
1939 or earlier23.6%

Bedrooms

Size% of units
No bedroom (studio)1.7%
1 bedroom10.3%
2 bedrooms5.8%
3 bedrooms38.2%
4 bedrooms31.6%
5+ bedrooms12.4%

Vehicles per household

Vehicles% of households
No vehicle6.2%
1 vehicle37.0%
2 vehicles20.3%
3 or more36.6%

Heating fuel

Fuel type%
Utility gas72.6%
Electricity3.3%
Propane / LP gas6.2%
Fuel oil17.9%

Households & families

Household typeCount%
Married-couple family33560.7%
Cohabiting couple295.3%
Male householder, no spouse7613.8%
Female householder, no spouse11220.3%
Households with children under 1812222.1%
Households with seniors (65+)15327.7%
Average household size2.77

Marital status

StatusMaleFemale
Never married33.3%22.5%
Married53.7%50.9%
Separated1.0%3.8%
Widowed4.9%10.1%
Divorced7.0%12.7%

Education

Less than 9th grade 2.1%
Some HS, no diploma 4.0%
HS graduate 26.0%
Some college, no degree 14.8%
Associate's degree 15.4%
Bachelor's degree 17.4%
Graduate / professional 20.2%
Metric%
HS diploma or higher93.8%
Bachelor's or higher37.7%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool124.1%
Kindergarten72.4%
Elementary school8830.1%
High school5217.8%
College / grad school13345.5%

Employment

Industry of employment

Retail trade 26.0%
Education & healthcare 17.1%
Other services 11.6%
Professional & management 9.6%
Construction 6.4%
Arts, food & hospitality 6.3%
Finance & real estate 5.4%
Public administration 5.2%
Transportation & utilities 4.3%
Manufacturing 4.2%
Wholesale trade 3.9%

Occupation

Category%
Management, business & arts34.1%
Service11.0%
Sales & office35.0%
Natural resources & construction7.1%
Production & transportation12.8%

Employment type

Type%
Private sector81.4%
Government13.9%
Self-employed4.7%
Unpaid family workers0.0%

Commute

Method%
Drive alone79.1%
Carpool5.9%
Public transit1.2%
Walk1.6%
Work from home12.2%
Other means0.0%
Avg commute (minutes)28.3

Poverty

All people 5.7%
Under 18 years 0.0%
18 and over 6.6%
Married-couple families 4.2%
Female-led households 0.0%

Income support

Source% of households
Social Security35.9%
Retirement income25.7%
Supplemental Security2.9%
Cash public assistance6.5%
Food stamps / SNAP6.2%

Health indicators

Condition%
Obesity26.7%
High blood pressure27.4%
High cholesterol32.1%
Diabetes8.1%
Heart disease5.2%
Stroke2.4%
Asthma9.6%
Arthritis20.9%
Kidney disease2.5%
Pulmonary disease5.5%
Cancer6.7%
Behavior / access%
Smoking13.4%
Binge drinking17.0%
No physical activity18.3%
Less than 7 hrs sleep28.6%
Depression17.9%
Fair or poor health9.8%
Poor mental health12.4%
Poor physical health8.2%
No health insurance9.5%
Visited doctor (checkup)78.4%
Visited dentist72.9%
Cholesterol screening92.6%
Teeth loss9.8%

Veterans & disability

VeteransCount%
Civilian veterans1128.6%
Disability%
Any disability15.6%
Under 180.0%
18–64 years13.7%
65 and over41.2%

Health insurance coverage

Type%
Private insurance85.4%
Public insurance20.8%
No insurance3.2%
Uninsured under 190.0%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only1,48597.1%
Spanish946.3%
Other Indo-European583.9%
Asian & Pacific Islander241.6%
Other languages120.8%

Place of birth & citizenship

OriginCount%
Native born (US)1,35088.3%
Born in same state1,32886.9%
Born in different state1,02967.3%
Foreign born221.4%
Naturalized citizen17911.7%
Not a US citizen11262.6%

Ancestry

AncestryCount%
Italian23815.6%
French624.1%
Polish302%
German221.4%
AncestryCount%
Irish161%
English120.8%
Arab60.4%

Technology access

Metric% of households
Computer access36.1%
Internet access94.2%

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

Frequently asked questions about ZIP code 10986

What city is ZIP code 10986 in?

ZIP code 10986 is primarily assigned to Tomkins Cove, New York.

What county is ZIP code 10986 in?

ZIP code 10986 falls within Rockland County, New York.

Is ZIP code 10986 mostly owner-occupied?

89% of occupied units in ZIP code 10986 are owner-occupied, well above the national average.

Does ZIP code 10986 have a large retiree population?

36% of households in ZIP code 10986 receive Social Security income, suggesting a significant retiree or disability population.

What is the median household income in ZIP code 10986?

The median household income in ZIP code 10986 is $155,417, above the national median of ~$75,000.

What is the typical home value in ZIP code 10986?

The median home value in ZIP code 10986 is $543,800.

What timezone is ZIP code 10986 in?

ZIP code 10986 observes the EST timezone.

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