| City: | Croton On Hudson, New York |
| City Alias: | Croton Hdsn |
| Names to Avoid: | Croton, Croton Hudson |
| County: | Westchester County |
| Timezone: | Eastern (GMT -05:00) |
| Local Time: | 9:59:16 PM |
| Population: | 13,226 [See All] |
| Area Code: | 914 |
| Classification: | Standard [Normal Street Delivery] |
| Coordinates: | 41.2092, -73.8788 |
| Land Area: | 14.449 sq mi |
| Quick Link: |
ZIP Code 10520 has 13,226 residents and 5,368 households (average 2.39 persons per household). The median age is 47.9 years, significantly older than the state (39.0) and significantly older than the nation (38.8). The gender split is 47.6% male and 52.4% female, which is slightly lower than the national male share (49.1%), making this a female-majority area. Largest groups are White (74.7%, much higher than the state average of 55.2% and well above the national average of 61.6%) and Hispanic or Latino (14.3%); Hispanic or Latino residents make up 14.3%, which is lower than the state average (19.5%).
Explore More: Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship
| 2020 Population: | 13,226Source: Census DHC |
| 2023 ACS Population Estimate: | 12,208Source: Census ACS |
| 2025 ZC Population Estimate: | 12,628Source: ZIP-Codes.com |
| Population Density: | 915.4 people per sq mile |
| Average Income: | $140,018Source: Census ACS |
| Households: | 5,368Source: Census DHC |
| Average House Value: | $669,900Source: Census ACS |
| Persons Per Household: | 2.39Source: Census DHC |
| Average Family Size: | 2.77Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 13,267 | 13,159 | 13,113 | 13,107 | 12,996 | 12,797 | 13,185 | 13,152 | 13,117 | 12,885 | 13,071 | 12,662 | 12,208 |
| Decennial Census | 12,810 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 13,226 | -- | -- | -- |
Median Age: 47.9
Male Median Age: 46.8
Female Median Age: 48.7
| Group | < 5 | 5-9 | 10-14 | 15-19 | 20-24 | 25-29 | 30-34 | 35-39 | 40-44 | 45-49 | 50-54 | 55-59 | 60-64 | 65-69 | 70-74 | 75-79 | 80-84 | 85+ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Male | 301 | 402 | 420 | 384 | 278 | 201 | 269 | 355 | 412 | 413 | 464 | 504 | 557 | 452 | 361 | 222 | 130 | 165 |
| Female | 333 | 364 | 389 | 399 | 309 | 213 | 289 | 394 | 426 | 491 | 480 | 564 | 557 | 452 | 421 | 282 | 212 | 361 |
| Total | 634 | 766 | 809 | 783 | 587 | 414 | 558 | 749 | 838 | 904 | 944 | 1,068 | 1,114 | 904 | 782 | 504 | 342 | 526 |
| White: | 9,875 | 71.49% |
| Black: | 623 | 4.51% |
| Hispanic:* | 1,889 | 13.67% |
| Asian: | 570 | 4.13% |
| American Indian: | 48 | 0.35% |
| Hawaiian: | 2 | 0.01% |
| Other: | 807 | 5.84% |
| Total: | 13,814 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 6,290 | 47.56% | 46.8 years |
| Females: | 6,936 | 52.44% | 48.7 years |
| Total: | 13,226 | 100% | 47.9 years |
| Native, born in the United States: | 10,226 | 83.76% |
| Native, born in PR, Island Areas, or abroad: | 280 | 2.29% |
| Foreign born, naturalized U.S. citizen: | 1,244 | 10.19% |
| Foreign born, not a U.S. citizen: | 458 | 13.94% |
| Total Population: | 12,208 | 100% |
| Total Native Population: | 10,506 | 86.06% |
| Total Foreign-born Population: | 1,702 | 13.94% |
In 2023, the Median household income is $140,018, which is considerably higher than the national median ($78,538), is up $46,199 (49.2%) since 2011 and above its 2019 pre-pandemic level by $29,924. Family households earn a median of $201,360 versus $63,007 for nonfamily households (a difference of $138,353). By gender, male median income is $115,045 and female is $101,773, which is considerably higher than the national female median ($53,445), with a current gap of $13,272 that has widened from 2011 to 2023. The labor-force participation rate is 64.7%, which is edges past the state rate (63.0%). The unemployment rate is 7.4%, which is far worse than the national rate (5.2%). The largest occupation group is Management (60.4%).
Explore More: Income Over Time Household Income Employment Status By Occupation
| Income Type | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Household Income | $93,819 | $102,473 | $102,807 | $98,552 | $101,932 | $94,261 | $100,417 | $105,670 | $110,094 | $113,175 | $120,769 | $135,990 | $140,018 |
| Median Family Income | $124,804 | $132,563 | $136,012 | $135,135 | $135,412 | $137,636 | $142,304 | $143,689 | $149,901 | $166,779 | $176,131 | $188,911 | $201,360 |
| Median NonFamily Income | $43,796 | $48,875 | $55,037 | $49,773 | $51,335 | $52,747 | $46,515 | $50,663 | $58,882 | $63,080 | $63,583 | $71,595 | $63,007 |
| Median Male Income | $78,586 | $83,900 | $84,219 | $85,673 | $86,136 | $95,402 | $100,361 | $103,622 | $106,360 | $94,740 | $108,913 | $111,297 | $115,045 |
| Median Female Income | $72,799 | $66,845 | $68,420 | $69,583 | $68,446 | $63,281 | $72,697 | $73,605 | $73,720 | $81,121 | $87,192 | $93,229 | $101,773 |
| Employed: | 6,104 | 59.89% |
| Unemployed: | 491 | 4.82% |
| Not In Labor Force: | 3,597 | 35.29% |
| Total: | 10,192 | 100% |
| Management, business, science, and arts: | 3,684 | 60.35% |
| Service: | 678 | 11.11% |
| Sales and Office: | 1,102 | 18.05% |
| Natural resources, construction, and maintenance: | 214 | 3.51% |
| Production, transportation, and material moving: | 426 | 6.98% |
| Total Civilian Employed Population: | 6,104 | 100% |
In 2023, the median home value is $669,900, which is much higher than the national median ($303,400), is up $170,000 (34.01%) since 2011 and above its 2019 pre-pandemic level by $134,200. The median gross rent is $1,938, which is markedly greater than the national median ($1,348), is up $703 (56.92%) since 2011 and above its 2019 pre-pandemic level by $514. Of occupied housing, owners make up 69.37% (65.47% with a mortgage, 34.53% free-and-clear) and renters 30.63% - making this ZIP Code more home ownership than the state and under national rental averages. The vacancy rate is 8.04%, which is considerably lower than the national rate (10.43%).
Explore More: Compare Home Value Home Value Over Time Rent & Over Time Housing Occupancy
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Home Value | $499,900 | $510,700 | $482,100 | $492,800 | $505,800 | $507,800 | $503,000 | $534,300 | $535,700 | $567,600 | $592,200 | $648,900 | $669,900 |
| Less than $500: | 30 | 1.96% |
| $500 to $999: | 56 | 3.66% |
| $1,000 to $1,499: | 335 | 21.92% |
| $1,500 to $1,999: | 384 | 25.13% |
| $2,000 to $2,499: | 422 | 27.62% |
| $2,500 to $2,999: | 110 | 7.20% |
| $3,000 or more: | 177 | 11.58% |
| No Rent: | 14 | 0.92% |
| Total: | 1,528 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $1,235 | $1,215 | $1,293 | $1,293 | $1,338 | $1,330 | $1,362 | $1,373 | $1,424 | $1,521 | $1,617 | $1,731 | $1,938 |
| Owner Occupied (with mortgage): | 2,266 | 45.42% |
| Owner Occupied (free and clear, no mortgage): | 1,195 | 23.95% |
| Renter Occupied: | 1,528 | 30.63% |
| Total Occupied Housing Units: | 4,989 | 100% |
| Occupied Housing Units: | 4,989 | 91.96% |
| Vacant Housing Units (not graphed): | 436 | 8.04% |
| Total Housing Units: | 5,425 | 100% |
| Single-Family Units: | 3,460 | 63.78% |
| Multi-Family Units: | 1,934 | 35.65% |
| Other Units: | 31 | 0.57% |
| Total Housing Units: | 5,425 | 100% |
In 2023, 63.00% of adults (25+) have a bachelor's degree or higher, which is far higher than the national rate (35.00%), well above both the state and national averages. High school or higher is 94.60%, which is markedly above the state rate (87.90%). The uninsured rate is 2.10%, which is far lower than the national rate (8.60%). Private coverage is 84.70%, which is notably higher than the state rate (66.20%). Public coverage is 28.10%, which is generally lower than the state rate (41.40%). The share of people in poverty is 2.40%, which is markedly below the state rate (9.80%), up 1.20 percentage points since 2011 and above its 2019 pre-pandemic level by 0.30 percentage points. This points to rising hardship - a weaker consumer base, greater strain on public services, and job-market headwinds. Among residents ages 3+, the largest enrollment group is elementary (39.53%). College enrollment is 27.22%, which is on par with the state rate (29.60%), meaning the community mirrors broader higher-education participation.
Explore More: Educational Attainment Health Insurance Poverty Over Time School Enrollment
| Less than 9th grade: | 271 | 3.04% |
| 9th to 12th grade, no diploma: | 207 | 2.32% |
| High school graduate (includes equivalency): | 1,209 | 13.54% |
| Some college, no degree: | 962 | 10.77% |
| Associate's degree: | 659 | 7.38% |
| Bachelor's degree: | 2,868 | 32.12% |
| Graduate or professional degree: | 2,753 | 30.83% |
| Total: | 8,929 | 100% |
| High school or higher: | 8,451 | 94.65% |
| Bachelor's degree or higher: | 5,621 | 62.95% |
| Private Insurance: | 10,099 | 73.69% |
| Public Insurance: | 3,351 | 24.45% |
| No Insurance: | 254 | 1.85% |
| Total: | 13,704 | 100% |
| Has Health Insurance: | 13,450 | 98.15% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 1.2% | 0.5% | 1.1% | 1.3% | 1.5% | 1.6% | 1.9% | 2.1% | 2.1% | 2.8% | 3.5% | 3.3% | 2.4% |
Note: Counts of Families & People in poverty are not published at the ZIP Code level due to small sample sizes. Percentages shown are survey estimates from the American Community Survey (ACS). They may differ from official poverty statistics. The U.S. Census Bureau defines poverty status by comparing a family's or individual's total income with federal poverty thresholds that vary by family size and composition.
| Nursery School, Preschool: | 140 | 4.80% |
| Kindergarten: | 146 | 5.01% |
| Elementary school (grades 1-8): | 1,153 | 39.53% |
| High school (grades 9-12): | 684 | 23.45% |
| College or graduate school: | 794 | 27.22% |
| Total: | 2,917 | 100% |
| Early Childhood: | 286 | 9.80% |
| K-12 (Primary & Secondary School): | 1,983 | 67.98% |
ZIP Code 10520 supports both business and residential activity. According to the Business Census (2023), there are 412 business establishments, employing about 3,020 people with an annual payroll of $151,728,000. USPS data shows 5,284 residential mailboxes and 286 business mailboxes, reflecting local delivery coverage.
| # Residential Mailboxes: | 5,284Source: USPS |
| # Business Mailboxes: | 286Source: USPS |
| Total Delivery Receptacles: | 5,786Source: USPS |
| Single Family Delivery Units: | 4,107Source: USPS |
| Multi Family Delivery Units: | 692Source: USPS |
| # of Businesses: | 412Source: CBP |
| 1st Quarter Payroll: | $34,773,000Source: CBP |
| Annual Payroll: | $151,728,000Source: CBP |
| # of Employees: | 3,020Source: CBP |
ZIP Code 10520 is located in Westchester County, New York, within the New York-Newark-Jersey City, NY-NJ Metropolitan Statistical Area (CBSA 35620) and New York's 17th Congressional District. This Metro area has a population of 19,756,722 people, about 0.07% of whom live in ZIP Code 10520, and is subdivided into the New York-Jersey City-White Plains, NY-NJ division. It covers 14.449 sq mi of land and a water area of 1.365 sq mi.
| CBSA Name: | New York-Newark-Jersey City, NY-NJSource: Census |
| CBSA Number: | 35620Source: Census |
| CBSA Type: | MetroSource: Census |
| CBSA Division: | New York-Jersey City-White Plains, NY-NJ (CBSA Div 35614)Source: Census |
| CBSA Population: | 19,756,722Source: Census |
| MSA: | New York-Northern New Jersey-Long Island, NY-NJ-CT-PASource: Census |
| Land Area: | 14.449 sq miSource: Census |
| Water Area: | 1.365 sq miSource: Census |
| Congressional District: | 17Source: USPS |
| Congressional Land Area: | 382.63 sq miSource: Census |
| PMSA: | New York, NY PMSASource: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | --Source: Census |
| Place Name: | --Source: Census |
ZIP Code 10520 is in the Croton-Harmon Union Free School District, which serves grades Kindergarten thru 12th. There are 3 public schools and 1 private school(s) in this ZIP Code. It also has 6 colleges, universities or post secondary education institutions nearby which would be a short commute to.
Our sources include trusted federal and licensed data from the United States Postal Service, U.S. Census Bureau, U.S. Geological Survey, Centers for Medicare & Medicaid Services, and the National Center for Education Statistics, along with proprietary datasets created by ZIP-Codes.com. Data last updated on October 1, 2025.