10990 ZIP Code — Warwick, NY

Orange County, New York

ZIP code 10990 is located in Warwick, New York, within Orange County. It covers approximately 61.44 square miles and serves a population of 20,527 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 845.

About ZIP code 10990

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 $425,000. Owner-occupancy is high at 78%, well above the national average.

Median household income is $121,217. The poverty rate of 5% 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. An above-average commute of 39 minutes suggests many residents work outside the immediate area.

Educational attainment is high — 46% of residents hold a bachelor's degree or higher, well above the national average of 33%.

Overall, ZIP code 10990 reflects a community defined by high homeownership and a significant Social Security-dependent population.

20,527

population

61.44

sq mi land

Standard

ZIP type

Eastern (ET)

timezone

10990 ZIP code map

Cities in ZIP code 10990

Below are the cities the US Postal Service accepts for ZIP code 10990. Using any city not on this list may result in mail delivery delays.

City	Status
Warwick	Preferred

Nearby ZIP codes

10921 Florida (4.1 mi) 10925 Greenwood Lake (4.7 mi) 07422 Highland Lakes (5.9 mi) 07421 Hewitt (6.4 mi) 07418 Glenwood (6.6 mi) 10969 Pine Island (6.7 mi) 10987 Tuxedo Park (7.2 mi) 07462 Vernon (8.1 mi) 10924 Goshen (8.4 mi) 10918 Chester (8.6 mi) 10958 New Hampton (8.8 mi) 10950 Monroe (9.4 mi)

Demographics updated 06/2026

Population
Total population	20,527
Population density	334 / sq mi
State FIPS	36
County FIPS	071

Geography
Land area	61.44 sq mi
Water area	1.11 sq mi
Latitude	41.2563
Longitude	-74.3677
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	25.9%	31.9%	37.0%
$50k – $100k	21.3%	27.9%	27.0%
$100k – $200k	33.5%	29.5%	24.4%
Over $200k	19.3%	10.6%	11.5%

Demographics & statistics

20,527

Population

334

People per sq mi

47.4

Median age

$121,217

Median household income

$56,727

Per capita income

$425,000

Median home value

$1,319

Median monthly rent

78.0%

Home ownership

4.7%

Poverty rate

3.5%

Unemployment

6,689

Housing units

45.8%

Bachelor's or higher

Age distribution

Male Female

352

Under 5

362

577

5–9

594

515

10–14

530

702

15–19

723

511

20–24

526

1,010

25–34

1,041

1,079

35–44

1,112

1,496

45–54

1,541

867

55–59

892

961

60–64

989

1,063

65–74

1,094

728

75–84

749

253

85+

260

← Male

Female →

Age summary

Group	Count	%
Under 18	3,999	19.5%
18 and over	16,528	80.5%
65 and over	4,147	20.2%
Median age	47.4 years

Race & ethnicity

White 83%

Hispanic or Latino 5.1%

Two or more races 3.6%

Black or African American 3.5%

Other race 3.5%

Asian 1.2%

American Indian / Alaska Native 0.1%

Group	Count	%
White	17,959	83%
Hispanic or Latino	1,114	5.1%
Two or more races	782	3.6%
Black or African American	751	3.5%
Other race	748	3.5%
Asian	265	1.2%
American Indian / Alaska Native	22	0.1%

Household income

Income range	This ZIP	County avg	State avg
Under $50k	25.9%	31.9%	37.0%
$50k – $100k	21.3%	27.9%	27.0%
$100k – $200k	33.5%	29.5%	24.4%
Over $200k	19.3%	10.6%	11.5%

Under $10k 2.6%

$10k–$15k 1.7%

$15k–$25k 5.3%

$25k–$35k 5.0%

$35k–$50k 9.0%

$50k–$75k 8.0%

$75k–$100k 10.6%

$100k–$150k 19.5%

$150k–$200k 13.2%

$200k+ 25.1%

Range	% of households
Under $10k	2.6%
$10k–$15k	1.7%
$15k–$25k	5.3%
$25k–$35k	5.0%
$35k–$50k	9.0%
$50k–$75k	8.0%
$75k–$100k	10.6%
$100k–$150k	19.5%
$150k–$200k	13.2%
$200k+	25.1%
Median income	$121,217

Housing

Home values

Under $50k 0.8%

$50k–$100k 0.4%

$100k–$150k 0.7%

$150k–$200k 2.9%

$200k–$300k 14.1%

$300k–$500k 44.8%

$500k–$1M 32.9%

$1M+ 3.4%

Housing overview

Metric	Value
Median home value	$425,000
Median rent / month	$1,319
Owner occupied	78.0%
Renter occupied	22.0%
Vacant	6.1%
Single-family detached	72.5%
Large apartment buildings	5.4%
Mobile homes	0.4%
Median rooms	6.6
Avg household size (owned)	2.77

Year built

Era	%
2020 or later	0.0%
2010–2019	7.0%
2000–2009	9.6%
1990–1999	15.7%
1980–1989	16.3%
1970–1979	11.9%
1960–1969	8.8%
1950–1959	8.6%
1940–1949	2.2%
1939 or earlier	20.0%

Bedrooms

Size	% of units
No bedroom (studio)	0.6%
1 bedroom	14.1%
2 bedrooms	16.5%
3 bedrooms	34.4%
4 bedrooms	28.7%
5+ bedrooms	5.7%

Vehicles per household

Vehicles	% of households
No vehicle	6.8%
1 vehicle	28.7%
2 vehicles	35.3%
3 or more	29.2%

Heating fuel

Fuel type	%
Utility gas	46.2%
Electricity	11.3%
Propane / LP gas	10.2%
Fuel oil	29.2%
Wood	2.8%

Households & families

Household type	Count	%
Married-couple family	4,576	57.8%
Cohabiting couple	382	4.8%
Male householder, no spouse	1,009	12.7%
Female householder, no spouse	1,952	24.6%
Households with children under 18	2,155	27.2%
Households with seniors (65+)	2,954	37.3%
Average household size	2.57

Marital status

Status	Male	Female
Never married	35.6%	23.4%
Married	54.2%	53.0%
Separated	0.5%	0.5%
Widowed	3.7%	9.8%
Divorced	6.1%	13.4%

Education

Less than 9th grade 2.0%

Some HS, no diploma 3.1%

HS graduate 24.4%

Some college, no degree 16.5%

Associate's degree 8.1%

Bachelor's degree 29.7%

Graduate / professional 16.1%

Metric	%
HS diploma or higher	94.8%
Bachelor's or higher	45.8%

School enrollment (ages 3–17)

Type	Count	%
Nursery / preschool	329	7.0%
Kindergarten	98	2.1%
Elementary school	1,754	37.2%
High school	1,311	27.8%
College / grad school	1,229	26.0%

Employment

Industry of employment

Education & healthcare 27.4%

Professional & management 12.0%

Retail trade 10.6%

Finance & real estate 8.3%

Construction 8.1%

Manufacturing 6.6%

Arts, food & hospitality 6.4%

Transportation & utilities 6.0%

Public administration 6.0%

Wholesale trade 2.8%

Information 2.5%

Other services 2.1%

Agriculture & mining 1.2%

Occupation

Category	%
Management, business & arts	47.1%
Service	15.7%
Sales & office	21.1%
Natural resources & construction	7.4%
Production & transportation	8.8%

Employment type

Type	%
Private sector	74.3%
Government	19.2%
Self-employed	6.3%
Unpaid family workers	0.2%

Commute

Method	%
Drive alone	71.5%
Carpool	5.0%
Public transit	4.1%
Walk	3.4%
Work from home	15.4%
Other means	0.6%
Avg commute (minutes)	39.1

Poverty

All people 4.7%

Under 18 years 2.4%

18 and over 5.2%

Married-couple families 1.0%

Female-led households 16.4%

Income support

Source	% of households
Social Security	36.5%
Retirement income	32.1%
Supplemental Security	3.4%
Cash public assistance	0.4%
Food stamps / SNAP	3.6%

Health indicators

Condition	%
Obesity	27.1%
High blood pressure	29.7%
High cholesterol	33.6%
Diabetes	8.5%
Heart disease	5.4%
Stroke	2.4%
Asthma	9.9%
Arthritis	23.2%
Kidney disease	2.5%
Pulmonary disease	5.3%
Cancer	7.1%

Behavior / access	%
Smoking	12.9%
Binge drinking	17.3%
No physical activity	19.8%
Less than 7 hrs sleep	33.6%
Depression	19.1%
Fair or poor health	9.6%
Poor mental health	12.7%
Poor physical health	8.1%
No health insurance	8.7%
Visited doctor (checkup)	78.1%
Visited dentist	73.9%
Cholesterol screening	93.3%
Teeth loss	9.3%

Veterans & disability

Veterans	Count	%
Civilian veterans	1,154	7.0%

Disability	%
Any disability	9.5%
Under 18	2.3%
18–64 years	6.0%
65 and over	27.3%

Health insurance coverage

Type	%
Private insurance	84.6%
Public insurance	27.6%
No insurance	2.9%
Uninsured under 19	0.6%

Language & origin

Language spoken at home (age 5+)

Language	Count	%
English only	19,813	96.5%
Spanish	368	1.9%
Other Indo-European	326	1.6%
Asian & Pacific Islander	31	0.2%
Other languages	9	0.0%

Place of birth & citizenship

Origin	Count	%
Native born (US)	18,843	91.8%
Born in same state	18,559	90.4%
Born in different state	13,048	63.6%
Foreign born	284	1.4%
Naturalized citizen	1,684	8.2%
Not a US citizen	1,028	61.0%

Ancestry

Ancestry	Count	%
Italian	4,963	24.2%
French	2,113	10.3%
Arab	728	3.5%
English	528	2.6%
Irish	192	0.9%

Ancestry	Count	%
Polish	165	0.8%
German	104	0.5%
Norwegian	95	0.5%
Dutch	7	0%

Technology access

Metric	% of households
Computer access	38.6%
Internet access	94.8%

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

Frequently asked questions about ZIP code 10990

What city is ZIP code 10990 in?

ZIP code 10990 is primarily assigned to Warwick, New York.

What county is ZIP code 10990 in?

ZIP code 10990 falls within Orange County, New York.

How educated is the population of ZIP code 10990?

46% of residents hold a bachelor's degree or higher — well above the national average of ~33%, reflecting a highly educated population.

Does ZIP code 10990 have a large retiree population?

37% of households in ZIP code 10990 receive Social Security income, suggesting a significant retiree or disability population.

What is the typical home value in ZIP code 10990?

The median home value in ZIP code 10990 is $425,000.

What is the median household income in ZIP code 10990?

The median household income in ZIP code 10990 is $121,217, above the national median of ~$75,000.

What timezone is ZIP code 10990 in?

ZIP code 10990 observes the EST timezone.