10989 ZIP Code — Valley Cottage, NY

Rockland County, New York

ZIP code 10989 is located in Valley Cottage, New York, within Rockland County. It covers approximately 4.84 square miles and serves a population of 8,651 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 10989

The housing stock consists of a mix of housing types. Most homes were built in the 1970s, giving the area an established character. Median home value is $472,300. Owner-occupancy is high at 89%, well above the national average.

The gap between median ($127,825) and mean household income suggests income inequality — a small number of higher earners pull the average up. The poverty rate of 3% is below the national average. 42% 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 33 minutes is near the national average.

Educational attainment is high — 57% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 10989 reflects a community defined by a highly educated population, high homeownership, and a significant Social Security-dependent population.

8,651

population

4.84

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

10989 ZIP code map

Cities in ZIP code 10989

Below are the cities the US Postal Service accepts for ZIP code 10989. Using any city not on this list may result in mail delivery delays.

City	Status
Valley Cottage	Acceptable
Valley Cottage	Preferred

Nearby ZIP codes

10920 Congers (2.5 mi) 10960 Nyack (2.6 mi) 10994 West Nyack (2.7 mi) 10956 New City (4 mi) 10913 Blauvelt (4 mi) 10954 Nanuet (4.7 mi) 10510 Briarcliff Manor (4.8 mi) 10591 Tarrytown (4.9 mi) 10927 Haverstraw (5.1 mi) 10962 Orangeburg (5.1 mi) 10968 Piermont (5.7 mi) 10965 Pearl River (6 mi)

Demographics updated 05/2026

Population
Total population	8,651
Population density	1,787 / sq mi
State FIPS	36
County FIPS	087

Geography
Land area	4.84 sq mi
Water area	0.65 sq mi
Latitude	41.1222
Longitude	-73.9290
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	20.4%	28.2%	37.0%
$50k – $100k	22.0%	24.1%	27.0%
$100k – $200k	37.7%	29.3%	24.4%
Over $200k	19.8%	18.4%	11.5%

Demographics & statistics

8,651

Population

1,787

People per sq mi

48.7

Median age

$127,825

Median household income

$62,905

Per capita income

$472,300

Median home value

$1,924

Median monthly rent

88.9%

Home ownership

3.1%

Poverty rate

9.8%

Unemployment

3,209

Housing units

56.8%

Bachelor's or higher

Age distribution

Male Female

138

Under 5

146

170

5–9

179

204

10–14

215

172

15–19

183

235

20–24

248

573

25–34

607

387

35–44

410

654

45–54

693

368

55–59

390

232

60–64

246

665

65–74

704

270

75–84

285

135

85+

142

← Male

Female →

Age summary

Group	Count	%
Under 18	1,317	15.2%
18 and over	7,334	84.8%
65 and over	2,201	25.4%
Median age	48.7 years

Race & ethnicity

White 63.2%

Asian 12.2%

Hispanic or Latino 8.3%

Two or more races 7.9%

Black or African American 7.3%

Other race 1.1%

Group	Count	%
White	5,963	63.2%
Asian	1,155	12.2%
Hispanic or Latino	780	8.3%
Two or more races	747	7.9%
Black or African American	684	7.3%
Other race	102	1.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	20.4%	28.2%	37.0%
$50k – $100k	22.0%	24.1%	27.0%
$100k – $200k	37.7%	29.3%	24.4%
Over $200k	19.8%	18.4%	11.5%

Under $10k 4.3%

$15k–$25k 0.7%

$25k–$35k 2.4%

$35k–$50k 11.3%

$50k–$75k 6.2%

$75k–$100k 11.3%

$100k–$150k 24.6%

$150k–$200k 13.0%

$200k+ 26.3%

Range	% of households
Under $10k	4.3%
$15k–$25k	0.7%
$25k–$35k	2.4%
$35k–$50k	11.3%
$50k–$75k	6.2%
$75k–$100k	11.3%
$100k–$150k	24.6%
$150k–$200k	13.0%
$200k+	26.3%
Median income	$127,825

Housing

Home values

Under $50k 0.4%

$50k–$100k 0.3%

$100k–$150k 1.3%

$150k–$200k 2.7%

$200k–$300k 7.2%

$300k–$500k 46.1%

$500k–$1M 41.0%

$1M+ 1.0%

Housing overview

Metric	Value
Median home value	$472,300
Median rent / month	$1,924
Owner occupied	88.9%
Renter occupied	11.1%
Vacant	6.5%
Single-family detached	66.5%
Large apartment buildings	0.6%
Mobile homes	0.0%
Median rooms	6.5
Avg household size (owned)	2.60

Year built

Era	%
2020 or later	0.0%
2010–2019	1.1%
2000–2009	0.2%
1990–1999	3.9%
1980–1989	15.6%
1970–1979	34.8%
1960–1969	18.7%
1950–1959	11.0%
1940–1949	3.5%
1939 or earlier	11.1%

Bedrooms

Size	% of units
No bedroom (studio)	0.0%
1 bedroom	12.6%
2 bedrooms	21.3%
3 bedrooms	25.7%
4 bedrooms	30.5%
5+ bedrooms	9.9%

Vehicles per household

Vehicles	% of households
No vehicle	5.1%
1 vehicle	28.6%
2 vehicles	44.4%
3 or more	21.9%

Heating fuel

Fuel type	%
Utility gas	77.6%
Electricity	19.4%
Propane / LP gas	1.1%
Fuel oil	1.1%
Solar	0.7%

Households & families

Household type	Count	%
Married-couple family	1,983	59.2%
Cohabiting couple	87	2.6%
Male householder, no spouse	505	15.1%
Female householder, no spouse	773	23.1%
Households with children under 18	786	23.5%
Households with seniors (65+)	1,338	40.0%
Average household size	2.51

Marital status

Status	Male	Female
Never married	30.8%	27.8%
Married	62.2%	55.2%
Separated	0.8%	0.2%
Widowed	2.3%	7.5%
Divorced	4.0%	9.1%

Education

Less than 9th grade 1.5%

Some HS, no diploma 2.1%

HS graduate 15.7%

Some college, no degree 13.0%

Associate's degree 10.8%

Bachelor's degree 31.7%

Graduate / professional 25.1%

Metric	%
HS diploma or higher	96.3%
Bachelor's or higher	56.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	36	2.3%
Kindergarten	96	6.1%
Elementary school	649	40.9%
High school	228	14.4%
College / grad school	577	36.4%

Employment

Industry of employment

Education & healthcare 34.0%

Professional & management 13.4%

Arts, food & hospitality 8.2%

Public administration 7.5%

Finance & real estate 7.2%

Other services 5.5%

Retail trade 4.9%

Transportation & utilities 4.4%

Manufacturing 4.3%

Construction 3.9%

Information 3.9%

Wholesale trade 2.9%

Occupation

Category	%
Management, business & arts	64.9%
Service	11.9%
Sales & office	17.5%
Natural resources & construction	2.9%
Production & transportation	2.7%

Employment type

Type	%
Private sector	71.4%
Government	25.4%
Self-employed	3.1%
Unpaid family workers	0.0%

Commute

Method	%
Drive alone	68.6%
Carpool	7.7%
Public transit	4.1%
Walk	1.4%
Work from home	16.9%
Other means	1.2%
Avg commute (minutes)	33.1

Poverty

All people 3.1%

Under 18 years 0.0%

18 and over 3.7%

Married-couple families 0.0%

Female-led households 0.0%

Income support

Source	% of households
Social Security	41.7%
Retirement income	34.9%
Supplemental Security	2.5%
Cash public assistance	4.5%
Food stamps / SNAP	3.1%

Health indicators

Condition	%
Obesity	24.5%
High blood pressure	28.9%
High cholesterol	33.2%
Diabetes	8.8%
Heart disease	5.7%
Stroke	2.6%
Asthma	9.0%
Arthritis	21.8%
Kidney disease	2.7%
Pulmonary disease	5.2%
Cancer	7.5%

Behavior / access	%
Smoking	11.1%
Binge drinking	15.0%
No physical activity	18.5%
Less than 7 hrs sleep	27.9%
Depression	16.1%
Fair or poor health	9.6%
Poor mental health	11.1%
Poor physical health	7.8%
No health insurance	9.3%
Visited doctor (checkup)	79.8%
Visited dentist	74.0%
Cholesterol screening	93.5%
Teeth loss	8.9%

Veterans & disability

Veterans	Count	%
Civilian veterans	302	4.1%

Disability	%
Any disability	10.0%
Under 18	11.9%
18–64 years	5.9%
65 and over	18.9%

Health insurance coverage

Type	%
Private insurance	82.5%
Public insurance	35.3%
No insurance	1.9%
Uninsured under 19	0.0%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	8,367	96.7%
Spanish	635	7.6%
Other Indo-European	38	0.5%
Asian & Pacific Islander	417	5.0%
Other languages	180	2.2%

Place of birth & citizenship

Origin	Count	%
Native born (US)	6,518	75.3%
Born in same state	6,476	74.9%
Born in different state	5,058	58.5%
Foreign born	42	0.5%
Naturalized citizen	2,133	24.7%
Not a US citizen	1,701	79.7%

Ancestry

Ancestry	Count	%
Italian	1,639	18.9%
Arab	306	3.5%
French	260	3%

Ancestry	Count	%
Irish	80	0.9%
English	21	0.2%
Dutch	5	0.1%

Technology access

Metric	% of households
Computer access	38.7%
Internet access	95.9%

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

Frequently asked questions about ZIP code 10989

What city is ZIP code 10989 in?

ZIP code 10989 is primarily assigned to Valley Cottage, New York.

What county is ZIP code 10989 in?

ZIP code 10989 falls within Rockland County, New York.

Does ZIP code 10989 have an older population?

25% of residents in ZIP code 10989 are 65 or older, above the national average of ~17%.

How educated is the population of ZIP code 10989?

57% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Is ZIP code 10989 mostly owner-occupied?

89% of occupied units in ZIP code 10989 are owner-occupied, well above the national average.

Does ZIP code 10989 have a large retiree population?

42% of households in ZIP code 10989 receive Social Security income, suggesting a significant retiree or disability population.

What timezone is ZIP code 10989 in?

ZIP code 10989 observes the EST timezone.