Cross River ZIP Code List — Westchester County, NY

There is one unique ZIP code in Cross River, New York and it is 10518. Area code: 845/914.
1
ZIP codes
3.81
sq mi land
0.06
sq mi water
845/914
area code
Cross River, NY ZIP code map

About Cross River, NY

Cross River is a charming hamlet located in New York, nestled within the greater Westchester County. Known for its picturesque landscapes and peaceful suburban atmosphere, it offers a blend of rural charm with modern conveniences. This small community is characterized by a tight-knit environment and a welcoming spirit.

Location & geography

Geographically, Cross River is situated in the southern part of Westchester County, making it a convenient location for those commuting to New York City. It is approximately 5 miles from the town of Katonah, 7 miles from Bedford, and around 9 miles from Mount Kisco and White Plains. The area covers a land area of 3.81 square miles, with a minor water area of 0.06 square miles.

Community & economy

The character of Cross River is defined by its family-friendly atmosphere and strong community bonds, making it an attractive place for families and retirees alike. The local economy is primarily supported by small businesses, retail shops, and service industries, reflecting the town’s suburban character. Daily life in Cross River often involves local gatherings, outdoor activities at nearby parks, or enjoying the serene surroundings.

Transportation

Transportation in Cross River is facilitated by major highways, including the nearby New York State Route 35 and Interstate 684, providing easy access to neighboring cities and beyond. The nearest major airport is Westchester County Airport, located about 12 miles to the south. Local public transit options are also available, offering connections to the Metro-North Railroad line for commuters heading into New York City.

History

Cross River was originally part of the larger settlement of the Town of Bedford and was established in the 18th century. Historically, the area has been known for its agricultural pursuits and scenic beauty, attracting those looking for a rural lifestyle. Notable events in the hamlet’s history include its development as a suburban community during the post-World War II housing boom.

Did you know?

One surprising fact about Cross River is that it is home to the famous John Jay Homestead, the estate of Founding Father John Jay, which is preserved as a historic site. Additionally, the hamlet has maintained much of its historical architecture, giving it a distinctive character within the region.

ZIP codes for Cross River, NY (1)
ZIP code City County Map
10518 Cross River Westchester View map

Demographics & statistics

830
Population
54.4
Median age
$155,464
Median household income
$91,742
Per capita income
$729,200
Median home value
$0
Median monthly rent
93.5%
Home ownership
4.9%
Poverty rate
4.9%
Unemployment
473
Housing units
76.0%
Bachelor's or higher

Age distribution

Male Female
5
Under 5
6
10
5–9
14
11
10–14
16
41
15–19
57
28
20–24
39
13
25–34
17
17
35–44
24
57
45–54
79
65
55–59
91
35
60–64
49
53
65–74
75
12
75–84
16
← Male
Female →

Age summary

GroupCount%
Under 1813316.0%
18 and over69784.0%
65 and over15618.8%
Median age54.4 years

Race & ethnicity

White 76.8%
Asian 9.3%
Hispanic or Latino 7%
Other race 7%
GroupCount%
White68576.8%
Asian839.3%
Hispanic or Latino627%
Other race627%

Household income

$10k–$15k 12.1%
$15k–$25k 3.8%
$35k–$50k 2.9%
$50k–$75k 14.2%
$75k–$100k 13.0%
$100k–$150k 2.1%
$150k–$200k 14.2%
$200k+ 37.8%
Range% of households
$10k–$15k12.1%
$15k–$25k3.8%
$35k–$50k2.9%
$50k–$75k14.2%
$75k–$100k13.0%
$100k–$150k2.1%
$150k–$200k14.2%
$200k+37.8%
Median income$155,464

Housing

Home values

$300k–$500k 37.9%
$500k–$1M 51.7%
$1M+ 10.4%

Housing overview

MetricValue
Median home value$729,200
Median rent / month$0
Owner occupied93.5%
Renter occupied6.5%
Vacant31.5%
Single-family detached51.5%
Large apartment buildings0.0%
Mobile homes0.0%
Median rooms6.7
Avg household size (owned)2.39

Year built

Era%
2020 or later0.0%
2010–20190.0%
2000–20090.0%
1990–199917.4%
1980–198944.2%
1970–19798.3%
1960–196912.3%
1950–19590.0%
1940–19493.0%
1939 or earlier14.7%

Bedrooms

Size% of units
No bedroom (studio)0.0%
1 bedroom21.8%
2 bedrooms22.2%
3 bedrooms14.3%
4 bedrooms36.4%
5+ bedrooms5.3%

Vehicles per household

Vehicles% of households
No vehicle4.4%
1 vehicle18.0%
2 vehicles58.1%
3 or more19.5%

Heating fuel

Fuel type%
Electricity44.2%
Propane / LP gas5.6%
Fuel oil50.1%

Households & families

Household typeCount%
Married-couple family23870.2%
Cohabiting couple00.0%
Male householder, no spouse267.7%
Female householder, no spouse7522.1%
Households with children under 188826.0%
Households with seniors (65+)8926.3%
Average household size2.45

Marital status

StatusMaleFemale
Never married22.0%32.2%
Married74.3%67.8%
Separated0.0%0.0%
Widowed0.0%0.0%
Divorced3.8%0.0%

Education

Less than 9th grade 3.8%
Some HS, no diploma 0.0%
HS graduate 4.6%
Some college, no degree 13.6%
Associate's degree 2.0%
Bachelor's degree 52.9%
Graduate / professional 23.1%
Metric%
HS diploma or higher96.2%
Bachelor's or higher76.0%

School enrollment (ages 3–17)

TypeCount%
Nursery / preschool00.0%
Kindergarten00.0%
Elementary school4230.0%
High school8057.1%
College / grad school1812.9%

Employment

Industry of employment

Professional & management 37.4%
Education & healthcare 23.2%
Finance & real estate 19.8%
Public administration 7.6%
Arts, food & hospitality 6.5%
Construction 5.6%

Occupation

Category%
Management, business & arts61.0%
Service9.1%
Sales & office24.3%
Natural resources & construction5.6%
Production & transportation0.0%

Employment type

Type%
Private sector62.6%
Government12.5%
Self-employed24.9%
Unpaid family workers0.0%

Commute

Method%
Drive alone69.3%
Carpool0.0%
Public transit0.0%
Walk0.0%
Other means0.0%
Avg commute (minutes)30.9

Poverty

All people 4.9%
Under 18 years 0.0%
18 and over 5.9%
Married-couple families 0.0%
Female-led households 0.0%

Income support

Source% of households
Social Security26.3%
Retirement income23.9%
Supplemental Security0.0%
Cash public assistance0.0%
Food stamps / SNAP0.0%

Health indicators

Condition%
High blood pressure22.9%
High cholesterol30.7%
Heart disease3.9%
Stroke1.7%
Asthma8.6%
Arthritis17.3%
Kidney disease2.0%
Pulmonary disease3.8%
Cancer6.5%
Behavior / access%
Binge drinking16.7%
No physical activity14.0%
Less than 7 hrs sleep29.3%
Fair or poor health6.6%
Poor mental health10.8%
Poor physical health6.7%
No health insurance5.6%
Visited doctor (checkup)77.0%
Visited dentist80.4%
Cholesterol screening94.9%
Teeth loss5.4%

Veterans & disability

VeteransCount%
Civilian veterans142.0%
Disability%
Any disability5.2%
Under 180.0%
18–64 years0.0%
65 and over27.6%

Health insurance coverage

Type%
Private insurance84.7%
Public insurance22.3%
Uninsured under 190.0%

Language & origin

Language spoken at home (age 5+)

LanguageCount%
English only81998.7%
Spanish425.1%
Other Indo-European425.1%
Asian & Pacific Islander00.0%
Other languages00.0%

Place of birth & citizenship

OriginCount%
Native born (US)69884.1%
Born in same state69884.1%
Born in different state52863.6%
Foreign born00.0%
Naturalized citizen13215.9%
Not a US citizen9168.9%

Ancestry

AncestryCount%
Italian20524.7%
French688.2%
Polish192.3%
AncestryCount%
Arab182.2%
Irish111.3%

Technology access

Metric% of households
Computer access40.8%
Internet access92.0%

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

Frequently asked questions
What is the ZIP code for Cross River, NY?
Cross River, NY has one ZIP code: 10518.
What is the main ZIP code for Cross River, NY?
The primary ZIP code for Cross River, NY is 10518. The city uses area code 845 or 914 for phone service.
What county is Cross River, NY in?
Cross River is located in Westchester County, New York.
How many ZIP codes are in Cross River, NY?
Cross River, NY has 1 ZIP code.
What is the ZIP code for the Cross River village center and residential areas in Westchester County?
The primary ZIP code for Cross River, NY is 10518, which covers the village and surrounding residential neighborhoods in this Westchester County community.
If I'm mailing a letter to a business or residence in Cross River, NY, which ZIP code should I use?
You should use ZIP code 10518 for all mail addressed to Cross River, NY, as it is the sole ZIP code serving this entire community.
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