| City: | Pearl River, New York |
| Names to Avoid: | Chestnut Ridge |
| County: | Rockland County |
| Timezone: | Eastern (GMT -05:00) |
| Local Time: | 10:03:18 PM |
| Population: | 15,342 [See All] |
| Area Codes: | 845 / 329 / 914 |
| Classification: | Standard [Normal Street Delivery] |
| Coordinates: | 41.0617, -74.0126 |
| Land Area: | 5.233 sq mi |
| Quick Link: |
ZIP Code 10965 has 15,342 residents and 5,635 households (average 2.71 persons per household). The median age is 43.9 years, older than the state (39.0) and older than the nation (38.8). The gender split is 49.1% male and 50.9% female, which is about the same as the state male share (48.4%), making this a female-majority area. Largest groups are White (83.9%, much higher than the state average of 55.2% and well above the national average of 61.6%) and Hispanic or Latino (10.8%); Hispanic or Latino residents make up 10.8%, which is much lower than the state average (19.5%).
Explore More: Population Over Time By Age & Gender By Race By Gender Nativity & Citizenship
| 2020 Population: | 15,342Source: Census DHC |
| 2023 ACS Population Estimate: | 15,526Source: Census ACS |
| 2025 ZC Population Estimate: | 15,953Source: ZIP-Codes.com |
| Population Density: | 2,931.8 people per sq mile |
| Average Income: | $136,970Source: Census ACS |
| Households: | 5,635Source: Census DHC |
| Average House Value: | $560,200Source: Census ACS |
| Persons Per Household: | 2.71Source: Census DHC |
| Average Family Size: | 2.91Source: Census ACS |
| Group | 2010 | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Census ACS Population Estimate | -- | 14,710 | 14,799 | 14,794 | 14,878 | 15,320 | 15,149 | 14,836 | 15,517 | 15,534 | 15,493 | 15,527 | 15,666 | 15,526 |
| Decennial Census | 14,791 | -- | -- | -- | -- | -- | -- | -- | -- | -- | 15,342 | -- | -- | -- |
Median Age: 43.9
Male Median Age: 41.8
Female Median Age: 45.8
| 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 | 361 | 455 | 559 | 530 | 483 | 473 | 372 | 370 | 450 | 474 | 582 | 635 | 485 | 368 | 324 | 278 | 174 | 154 |
| Female | 346 | 418 | 501 | 496 | 413 | 420 | 381 | 436 | 413 | 501 | 648 | 659 | 473 | 383 | 408 | 378 | 248 | 293 |
| Total | 707 | 873 | 1,060 | 1,026 | 896 | 893 | 753 | 806 | 863 | 975 | 1,230 | 1,294 | 958 | 751 | 732 | 656 | 422 | 447 |
| White: | 12,875 | 80.06% |
| Black: | 260 | 1.62% |
| Hispanic:* | 1,654 | 10.28% |
| Asian: | 569 | 3.54% |
| American Indian: | 28 | 0.17% |
| Hawaiian: | 2 | 0.01% |
| Other: | 694 | 4.32% |
| Total: | 16,082 | 100% |
| Gender | Count | % | Median Age |
|---|---|---|---|
| Males: | 7,527 | 49.06% | 41.8 years |
| Females: | 7,815 | 50.94% | 45.8 years |
| Total: | 15,342 | 100% | 43.9 years |
| Native, born in the United States: | 12,129 | 78.12% |
| Native, born in PR, Island Areas, or abroad: | 252 | 1.62% |
| Foreign born, naturalized U.S. citizen: | 1,971 | 12.69% |
| Foreign born, not a U.S. citizen: | 1,174 | 20.26% |
| Total Population: | 15,526 | 100% |
| Total Native Population: | 12,381 | 79.74% |
| Total Foreign-born Population: | 3,145 | 20.26% |
In 2023, the Median household income is $136,970, which is considerably higher than the national median ($78,538), is up $41,281 (43.1%) since 2011 and above its 2019 pre-pandemic level by $25,720. Family households earn a median of $155,813 versus $65,441 for nonfamily households (a difference of $90,372). By gender, male median income is $101,200 and female is $86,875, which is considerably higher than the national female median ($53,445), with a current gap of $14,325 that has narrowed from 2011 to 2023. The labor-force participation rate is 62.6%, which is on par with the national rate (63.5%). The unemployment rate is 3.0%, which is far lower than the state rate (6.2%). The largest occupation group is Management (49.0%).
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 | $95,689 | $100,324 | $94,271 | $99,741 | $94,352 | $98,996 | $100,962 | $110,650 | $111,250 | $114,595 | $121,359 | $130,610 | $136,970 |
| Median Family Income | $113,750 | $117,518 | $115,625 | $120,125 | $119,282 | $124,075 | $129,640 | $134,405 | $130,815 | $135,135 | $136,528 | $143,200 | $155,813 |
| Median NonFamily Income | $54,167 | $54,330 | $46,667 | $46,165 | $45,016 | $42,366 | $41,378 | $48,851 | $51,389 | $51,484 | $54,239 | $58,724 | $65,441 |
| Median Male Income | $82,985 | $82,324 | $82,287 | $85,225 | $85,868 | $83,000 | $93,238 | $96,451 | $95,056 | $90,350 | $88,793 | $95,659 | $101,200 |
| Median Female Income | $55,417 | $60,272 | $60,824 | $60,267 | $57,225 | $62,111 | $61,998 | $63,824 | $62,773 | $68,008 | $63,917 | $69,639 | $86,875 |
| Employed: | 7,302 | 60.73% |
| Unemployed: | 226 | 1.88% |
| Not In Labor Force: | 4,496 | 37.39% |
| Total: | 12,024 | 100% |
| Management, business, science, and arts: | 3,578 | 49.00% |
| Service: | 1,340 | 18.35% |
| Sales and Office: | 1,194 | 16.35% |
| Natural resources, construction, and maintenance: | 744 | 10.19% |
| Production, transportation, and material moving: | 446 | 6.11% |
| Total Civilian Employed Population: | 7,302 | 100% |
In 2023, the median home value is $560,200, which is much higher than the national median ($303,400), is up $88,200 (18.69%) since 2011 and above its 2019 pre-pandemic level by $112,700. The median gross rent is $2,036, which is considerably higher than the national median ($1,348), is up $749 (58.20%) since 2011 and above its 2019 pre-pandemic level by $590. Of occupied housing, owners make up 76.07% (61.84% with a mortgage, 38.16% free-and-clear) and renters 23.93% - making this ZIP Code more home ownership than the state and under national rental averages. The vacancy rate is 5.59%, 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 | $472,000 | $457,700 | $441,400 | $438,800 | $432,000 | $434,800 | $440,300 | $450,800 | $447,500 | $451,800 | $464,400 | $515,900 | $560,200 |
| Less than $500: | 23 | 1.72% |
| $500 to $999: | 51 | 3.80% |
| $1,000 to $1,499: | 187 | 13.94% |
| $1,500 to $1,999: | 367 | 27.37% |
| $2,000 to $2,499: | 183 | 13.65% |
| $2,500 to $2,999: | 93 | 6.94% |
| $3,000 or more: | 378 | 28.19% |
| No Rent: | 59 | 4.40% |
| Total: | 1,341 | 100% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Median Rent | $1,287 | $1,299 | $1,339 | $1,357 | $1,353 | $1,337 | $1,378 | $1,375 | $1,446 | $1,604 | $1,708 | $1,967 | $2,036 |
| Owner Occupied (with mortgage): | 2,637 | 47.05% |
| Owner Occupied (free and clear, no mortgage): | 1,627 | 29.03% |
| Renter Occupied: | 1,341 | 23.93% |
| Total Occupied Housing Units: | 5,605 | 100% |
| Occupied Housing Units: | 5,605 | 94.41% |
| Vacant Housing Units (not graphed): | 332 | 5.59% |
| Total Housing Units: | 5,937 | 100% |
| Single-Family Units: | 4,392 | 73.98% |
| Multi-Family Units: | 1,545 | 26.02% |
| Other Units: | 0 | 0.00% |
| Total Housing Units: | 5,937 | 100% |
In 2023, 47.40% 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 88.50%, which is comparable to the national rate (89.40%). The uninsured rate is 3.60%, which is far lower than the national rate (8.60%). Public coverage is 31.00%, which is generally lower than the state rate (41.40%). The share of people in poverty is 3.00%, which is markedly below the state rate (9.80%), up 2.60 percentage points since 2011 and above its 2019 pre-pandemic level by 1.60 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 (48.65%). College enrollment is 18.60%, which is markedly below the state rate (29.60%), indicating the community may be more oriented toward vocational/trade or direct-to-workforce opportunities.
Explore More: Educational Attainment Health Insurance Poverty Over Time School Enrollment
| Less than 9th grade: | 508 | 4.83% |
| 9th to 12th grade, no diploma: | 702 | 6.68% |
| High school graduate (includes equivalency): | 1,872 | 17.81% |
| Some college, no degree: | 1,747 | 16.62% |
| Associate's degree: | 700 | 6.66% |
| Bachelor's degree: | 2,870 | 27.30% |
| Graduate or professional degree: | 2,112 | 20.09% |
| Total: | 10,511 | 100% |
| High school or higher: | 9,301 | 88.49% |
| Bachelor's degree or higher: | 4,982 | 47.40% |
| Private Insurance: | 12,555 | 70.03% |
| Public Insurance: | 4,814 | 26.85% |
| No Insurance: | 560 | 3.12% |
| Total: | 17,929 | 100% |
| Has Health Insurance: | 17,369 | 96.88% |
| Group | 2011 | 2102 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| % of People in Poverty | 0.4% | 1.4% | 4.3% | 4.8% | 4.7% | 4.7% | 4.1% | 2.2% | 1.4% | 3.5% | 2.5% | 3.4% | 3.0% |
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: | 300 | 7.69% |
| Kindergarten: | 325 | 8.33% |
| Elementary school (grades 1-8): | 1,899 | 48.65% |
| High school (grades 9-12): | 653 | 16.73% |
| College or graduate school: | 726 | 18.60% |
| Total: | 3,903 | 100% |
| Early Childhood: | 625 | 16.01% |
| K-12 (Primary & Secondary School): | 2,877 | 73.71% |
ZIP Code 10965 supports both business and residential activity. According to the Business Census (2023), there are 497 business establishments, employing about 8,347 people with an annual payroll of $721,449,000. USPS data shows 5,887 residential mailboxes and 493 business mailboxes, reflecting local delivery coverage.
| # Residential Mailboxes: | 5,887Source: USPS |
| # Business Mailboxes: | 493Source: USPS |
| Total Delivery Receptacles: | 6,581Source: USPS |
| Single Family Delivery Units: | 4,734Source: USPS |
| Multi Family Delivery Units: | 851Source: USPS |
| # of Businesses: | 497Source: CBP |
| 1st Quarter Payroll: | $232,896,000Source: CBP |
| Annual Payroll: | $721,449,000Source: CBP |
| # of Employees: | 8,347Source: CBP |
ZIP Code 10965 is located in Rockland County, New York, within the New York-Newark-Jersey City, NY-NJ Metropolitan Statistical Area (CBSA 35620) and New York's 5th and 17th Congressional Districts. This Metro area has a population of 19,756,722 people, about 0.08% of whom live in ZIP Code 10965, and is subdivided into the New York-Jersey City-White Plains, NY-NJ division. It covers 5.233 sq mi of land and a water area of 0.19 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: | 5.233 sq miSource: Census |
| Water Area: | 0.19 sq miSource: Census |
| Congressional District: | 05,17Source: USPS |
| Congressional Land Area: | 51.88, 382.63 sq miSource: Census |
| PMSA: | New York, NY PMSASource: Census |
| Intro Date: | < 2004-10Source: ZIP-Codes.com |
| Place FIPS Code: | 3656902Source: Census |
| Place Name: | Pearl River CDP; New YorkSource: Census |
ZIP Code 10965 is in the Pearl River Union Free School District, which serves grades Pre-Kindergarten thru 12th. There are 5 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.