10965 Zip Code Detailed Profile




Cities: Pearl River, NY (95.69%), Chestnut Ridge, NY (4.21%), Nanuet, NY (0.10%)
County: Rockland County, NY
Estimated zip code population in 2013: 14,794
Zip code population in 2010: 14,791
Zip code population in 2000: 14,522

Houses and condos: 5,684
Renter-occupied apartments: 995
% of renters here:

19%
State:

46%
Mar. 2013 cost of living index in zip code 10965: 140.3 (very high, U.S. average is 100)

Land area: 5.3 sq. mi.
Water area: 0.2 sq. mi.
Population density: 2,816 people per square mile 
 
 (average).

Age and Sex of Residents in zip code 10965
Zip code 10965 (Pearl River, New York) real estate house value trends
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Real estate property taxes paid for housing units in 2013:
This zip code:

2.0% ($8,808)
New York:

1.6% ($4,559)
Median real estate property taxes paid for housing units with mortgages in 2013: $9,313 (2.1%)
Median real estate property taxes paid for housing units with no mortgage in 2013: $7,668 (1.8%)

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Males: 7,073  (47.8%)
Females: 7,721  (52.2%)

For population 25 years and over in 10965:

For population 15 years and over in 10965:

Zip code 10965 compared to state average:

  • Median household income above state average.
  • Median house value above state average.
  • Unemployed percentage below state average.
  • Black race population percentage significantly below state average.
  • Hispanic race population percentage significantly below state average.
  • Foreign-born population percentage below state average.
  • Renting percentage significantly below state average.
  • Number of rooms per house above state average.
  • Races in zip code 10965

  • Zip code 10965 races chart
    • 12,932White population
    • 106Black population
    • 23American Indian population
    • 529Asian population
    • 8Native Hawaiian and Other Pacific Islander population
    • 15Some other race population
    • 136Two or more races population
    • 1,042Hispanic or Latino population

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Based on 2000-2013 data
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123
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100% urban population.

Estimated median house/condo value in 2013: $441,400
10965:

$441,400
New York:

$277,600
Median resident age:
This zip code:

41.2 years
New York median age:

38.2 years
Average household size:
This zip code:

2.8 people
New York:

2.6 people

Averages for the 2012 tax year for zip code 10965, filed in 2013:

Average Adjusted Gross Income (AGI) in 2012: $90,805 (Individual Income Tax Returns)
Here:

$90,805
State:

$77,088

Salary/wage: $78,289 (reported on 80.3% of returns)
Here:

$78,289
State:

$60,593
(% of AGI for various income ranges: 67.4% for AGIs below $25k, 68.3% for AGIs $25k-50k, 66.4% for AGIs $50k-75k, 65.7% for AGIs $75k-100k, 76.8% for AGIs $100k-200k, 62.4% for AGIs over 200k)

Taxable interest for individuals: $1,330 (reported on 55.3% of returns)
This zip code:

$1,330
New York:

$3,125
(% of AGI for various income ranges: 2.0% for AGIs below $25k, 1.1% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 0.8% for AGIs $75k-100k, 0.6% for AGIs $100k-200k, 0.8% for AGIs over 200k)

Ordinary dividends: $5,356 (reported on 37.2% of returns)
Here:

$5,356
State:

$10,299
(% of AGI for various income ranges: 3.4% for AGIs below $25k, 2.4% for AGIs $25k-50k, 1.9% for AGIs $50k-75k, 1.9% for AGIs $75k-100k, 1.4% for AGIs $100k-200k, 3.2% for AGIs over 200k)

Net capital gain/loss in AGI: +$10,967 (reported on 28.2% of returns)
Here:

+$10,967
State:

+$42,474
(% of AGI for various income ranges: 0.3% for AGIs $25k-50k, 0.3% for AGIs $50k-75k, 0.5% for AGIs $75k-100k, 0.7% for AGIs $100k-200k, 9.5% for AGIs over 200k)

Profit/loss from business: +$16,049 (reported on 13.0% of returns)
Here:

+$16,049
State:

+$16,168
(% of AGI for various income ranges: 6.5% for AGIs below $25k, 2.9% for AGIs $25k-50k, 2.4% for AGIs $50k-75k, 2.5% for AGIs $75k-100k, 2.0% for AGIs $100k-200k, 2.0% for AGIs over 200k)

Taxable individual retirement arrangement distribution: $15,018 (reported on 15.8% of returns)
10965:

$15,018
New York:

$17,621
(% of AGI for various income ranges: 5.5% for AGIs below $25k, 4.1% for AGIs $25k-50k, 3.7% for AGIs $50k-75k, 3.7% for AGIs $75k-100k, 2.8% for AGIs $100k-200k, 1.2% for AGIs over 200k)

Self-employment retirement plans: $18,014 (reported on 0.9% of returns)
10965:

$18,014
New York:

$27,330
(% of AGI for various income ranges: 0.1% for AGIs $100k-200k, 0.4% for AGIs over 200k)

Total itemized deductions: $31,747 (23% of AGI, reported on 56.5% of returns)
Here:

$31,747
State:

$34,985

Here:

23.2% of AGI
State:

21.3% of AGI
(% of AGI for various income ranges: 21.2% for AGIs below $25k, 17.0% for AGIs $25k-50k, 19.0% for AGIs $50k-75k, 22.0% for AGIs $75k-100k, 22.0% for AGIs $100k-200k, 17.0% for AGIs over 200k)

Charity contributions: $3,108 (reported on 51.8% of returns)
Here:

$3,108
State:

$5,572
(% of AGI for various income ranges: 1.1% for AGIs below $25k, 1.3% for AGIs $25k-50k, 1.7% for AGIs $50k-75k, 1.8% for AGIs $75k-100k, 1.7% for AGIs $100k-200k, 2.0% for AGIs over 200k)

Taxes paid: $16,933 (reported on 56.3% of returns)
10965:

$16,933
State:

$18,656
(% of AGI for various income ranges: 9.2% for AGIs below $25k, 8.0% for AGIs $25k-50k, 9.4% for AGIs $50k-75k, 10.6% for AGIs $75k-100k, 11.4% for AGIs $100k-200k, 10.3% for AGIs over 200k)

Earned income credit: $1,476 (reported on 5.5% of returns)
Here:

$1,476
State:

$2,230
(% of AGI for various income ranges: 2.1% for AGIs below $25k, 0.4% for AGIs $25k-50k)

Averages for the 2004 tax year for zip code 10965, filed in 2005:

Average Adjusted Gross Income (AGI) in 2004: $73,674 (Individual Income Tax Returns)
Here:

$73,674
State:

$59,519

Salary/wage: $63,278 (reported on 80.5% of returns)
Here:

$63,278
State:

$50,673
(% of AGI for various income ranges: 214.8% for AGIs below $10k, 64.6% for AGIs $10k-25k, 71.8% for AGIs $25k-50k, 72.4% for AGIs $50k-75k, 74.0% for AGIs $75k-100k, 65.7% for AGIs over 100k)

Taxable interest for individuals: $1,526 (reported on 71.1% of returns)
This zip code:

$1,526
New York:

$2,377
(% of AGI for various income ranges: 12.5% for AGIs below $10k, 4.5% for AGIs $10k-25k, 2.3% for AGIs $25k-50k, 1.9% for AGIs $50k-75k, 1.3% for AGIs $75k-100k, 1.0% for AGIs over 100k)

Taxable dividends: $4,550 (reported on 44.3% of returns)
Here:

$4,550
State:

$5,394
(% of AGI for various income ranges: 12.1% for AGIs below $10k, 3.5% for AGIs $10k-25k, 1.8% for AGIs $25k-50k, 1.8% for AGIs $50k-75k, 1.5% for AGIs $75k-100k, 3.2% for AGIs over 100k)

Net capital gain/loss: +$14,443 (reported on 33.4% of returns)
Here:

+$14,443
State:

+$23,581
(% of AGI for various income ranges: -4.7% for AGIs below $10k, -0.8% for AGIs $10k-25k, 0.2% for AGIs $25k-50k, 1.0% for AGIs $50k-75k, 1.0% for AGIs $75k-100k, 10.6% for AGIs over 100k)

Profit/loss from business: +$16,360 (reported on 12.7% of returns)
Here:

+$16,360
State:

+$13,809
(% of AGI for various income ranges: 4.2% for AGIs below $10k, 6.5% for AGIs $10k-25k, 2.9% for AGIs $25k-50k, 2.0% for AGIs $50k-75k, 2.2% for AGIs $75k-100k, 2.9% for AGIs over 100k)

IRA payment deduction: $3,278 (reported on 2.9% of returns)
10965:

$3,278
New York:

$3,115
(% of AGI for various income ranges: 0.5% for AGIs $10k-25k, 0.3% for AGIs $25k-50k, 0.2% for AGIs $50k-75k, 0.2% for AGIs $75k-100k, 0.1% for AGIs over 100k)

Self-employed pension: $12,733 (reported on 1.2% of returns)
Here:

$12,733
New York:

$19,016
(% of AGI for various income ranges: 0.5% for AGIs $10k-25k, 0.2% for AGIs $75k-100k, 0.3% for AGIs over 100k)

Total itemized deductions: $25,713 (22% of AGI, reported on 54.3% of returns)
Here:

$25,713
State:

$25,864

Here:

22.5% of AGI
State:

21.9% of AGI
(% of AGI for various income ranges: 34.0% for AGIs below $10k, 19.3% for AGIs $10k-25k, 15.6% for AGIs $25k-50k, 20.8% for AGIs $50k-75k, 22.4% for AGIs $75k-100k, 18.1% for AGIs over 100k)

Charity contributions deductions: $3,524 (3% of AGI, reported on 52.0% of returns)
Here:

$3,524
State:

$4,439

Here:

3.0% of AGI
State:

3.6% of AGI
(% of AGI for various income ranges: 1.4% for AGIs below $10k, 2.1% for AGIs $10k-25k, 2.0% for AGIs $25k-50k, 2.5% for AGIs $50k-75k, 2.7% for AGIs $75k-100k, 2.6% for AGIs over 100k)

Total tax: $11,731 (reported on 82.2% of returns)
10965:

$11,731
State:

$11,730
(% of AGI for various income ranges: 6.2% for AGIs below $10k, 4.4% for AGIs $10k-25k, 8.2% for AGIs $25k-50k, 9.6% for AGIs $50k-75k, 9.9% for AGIs $75k-100k, 15.9% for AGIs over 100k)

Earned income credit: $1,330 (reported on 4.3% of returns)
Here:

$1,330
State:

$1,757

Percentage of individuals using paid preparers for their 2004 taxes: 67.9%
Here:

68%
State:

67%
(% for various income ranges: 53.1% for AGIs below $10k, 63.9% for AGIs $10k-25k, 68.5% for AGIs $25k-50k, 72.3% for AGIs $50k-75k, 72.7% for AGIs $75k-100k, 75.6% for AGIs over 100k)

Estimated median household income in 2013:
This zip code:

$94,271
New York:

$57,369
Pearl River, NY (10965) map Nearest zip codes: 10954, 07645, 07656, 10962, 10994, 10913.
Percentage of family households:
This zip code:

51.0%
New York:

47.6%
Percentage of households with unmarried partners:
This zip code:

4.2%
New York:

6.0%
Likely homosexual households (counted as self-reported same-sex unmarried-partner households)

Household received Food Stamps/SNAP in the past 12 months: 278
Household did not receive Food Stamps/SNAP in the past 12 months: 5,059


Women who had a birth in the past 12 months: 243 (179 now married, 64 unmarried)
Women who did not have a birth in the past 12 months: 2,944 (1,482 now married, 1,462 unmarried)


Housing units in zip code 10965 with a mortgage: 2,862 (138 second mortgage, 545 home equity loan, 19 both second mortgage and home equity loan)
Houses without a mortgage: 1,480

Median monthly owner costs for units with a mortgage: $2,814
Median monthly owner costs for units without a mortgage: over $1,000

Residents with income below the poverty level in 2013:
This zip code:

6.2%
Whole state:

16.0%
Residents with income below 50% of the poverty level in 2013:
This zip code:

4.2%
Whole state:

9.0%
Median number of rooms in houses and condos:
Here:

7.1
State:

6.4
Median number of rooms in apartments:
Here:

3.4
State:

3.8
  • Notable locations in this zip code not listed on our city pages

  • Click to draw/clear zip code borders
  • Notable locations in zip code 10965: Blue Hill Golf Club (A), Pearl River Station (B), Pearl River Public Library (C), Promenade at Blue Hill Assisted Living Center (D), Pearl River Hook and Ladder Company (E), Pearl River Fire District (F). Display/hide their locations on the map

    Shopping Center: Blue Hill Plaza Shopping Center (1). Display/hide its location on the map

    Churches in zip code 10965 include: Chinese Evangelical Church (A), Good Shepherd Lutheran Church (B), Orthodox Church of the Transfiguration (C), Rockland Chinese Alliance Church (D), Saint Aedan's Church (E), Saint Stephen's Episcopal Church (F), Seventh Day Adventist Church (G), Saint Margaret's Church (H), Pearl River United Methodist Church (I). Display/hide their locations on the map

    Lake: Reed Pond (A). Display/hide its location on the map

    Streams, rivers, and creeks: Nauraushaun Brook (A). Display/hide its location on the map

    Park in zip code 10965: Pascack Brook Town Park (1). Display/hide its location on the map

Year house built

  • 362010 or later
  • 2582000 to 2009
  • 1651990 to 1999
  • 4021980 to 1989
  • 4091970 to 1979
  • 1,3631960 to 1969
  • 1,5591950 to 1959
  • 4811940 to 1949
  • 1,0111939 or earlier

Zip code 10965 satellite photo by USGS

Owner-occupied Renter-occupied

Bedrooms in owner-occupied houses and condos in Pearl River, NY (10965)

  • 6no bedroom
  • 1881 bedroom
  • 5032 bedrooms
  • 1,6383 bedrooms
  • 1,6884 bedrooms
  • 3195+ bedrooms

Bedrooms in renter-occupied apartments in Pearl River, NY (10965)

  • 90no bedroom
  • 4601 bedroom
  • 3422 bedrooms
  • 693 bedrooms
  • 244 bedrooms
  • 105+ bedrooms
Owner-occupied Renter-occupied

Cars and other vehicles available in Pearl River, NY (10965) in owner-occupied houses/condos

  • 188no vehicle
  • 1,1011 vehicle
  • 1,9102 vehicles
  • 8533 vehicles
  • 2394 vehicles
  • 515+ vehicles

Cars and other vehicles available in Pearl River, NY (10965) in renter-occupied apartments

  • 208no vehicle
  • 5801 vehicle
  • 1622 vehicles
  • 453 vehicles
  • 04 vehicles
  • 05+ vehicles

Median gross rent in 2013: $1,339.


Median price asked for vacant for-sale houses and condos in 2013: $704,590.

Estimated median house (or condo) value in 2013 for:


Estimated median house or condo value in 2013: $441,400
10965:

$441,400
New York:

$277,600
Lower value quartile - upper value quartile: $352,200 - $544,800

Mean price in 2013:

Detached houses: $530,627
Here:

$530,627
State:

$328,266

Townhouses or other attached units: $485,477
Here:

$485,477
State:

$477,144

In 2-unit structures: $209,872
Here:

$209,872
State:

$441,340

In 3-to-4-unit structures: $251,783
Here:

$251,783
State:

$551,450

In 5-or-more-unit structures: $263,357
Here:

$263,357
State:

$715,153

Mobile homes: $71,050
Here:

$71,050
State:

$57,967

Owners and renters by unit type in %

Housing units in structures:


Unemployment: 4.0%

Percentage of zip code residents living and working in this county: 47.8%

Household type by relationship:

Households: 14,741

Size of family households: 1,420 2-persons, 865 3-persons, 930 4-persons, 360 5-persons, 159 6-persons, 89 7-or-more-persons

Size of nonfamily households: 1,329 1-person, 152 2-persons, 17 3-persons, 16 4-persons

3,053 married couples with children.
577 single-parent households (287 men, 290 women).

90.0% of residents of 10965 zip code speak English at home.
1.8% of residents speak Spanish at home (77% very well, 23% well).
4.2% of residents speak other Indo-European language at home (82% very well, 9% well, 9% not well).
3.6% of residents speak Asian or Pacific Island language at home (66% very well, 16% well, 18% not well).
0.5% of residents speak other language at home (48% very well, 52% well).

Foreign born population: 1,522 (10.3%)
(71.3% of them are naturalized citizens)
This zip code:

10.3%
Whole state:

22.3%

Most common places of birth for the foreign-born residents

  • 27%Ireland
  • 14%India
  • 10%Philippines
  • 8%Italy
  • 7%China, excluding Hong Kong and Taiwan
  • 5%Ukraine
  • 4%United Kingdom, excluding England and Scotland

Most common first ancestries reported in 10965 (%)

  • 44%Irish
  • 17%Italian
  • 13%Other groups
  • 4%German
  • 3%American
  • 2%Polish
  • 2%English

Year of entry for the foreign-born population

  • 182010 or later
  • 2372000 to 2009
  • 3221990 to 1999
  • 950Before 1990

Zip code 10965 topographic map

Facilities with environmental interests located in this zip code:


Zip code 10965 marital status for males
Zip code 10965 marital status for females

Housing units lacking complete plumbing facilities: 0.9%
Housing units lacking complete kitchen facilities: 1.5%

Most commonly used house heating fuel

  • 91%Utility gas
  • 3%Fuel oil, kerosene, etc.
  • 3%Electricity
  • 2%Bottled, tank, or LP gas
  • 1%Wood

Population in 1990: 14,791. Population change in the 1990s: -269 (-1.8%).

Place of birth for U.S.-born residents:


73% of the 10965 zip code residents lived in the same house 5 years ago.
   Out of people who lived in different houses, 51% lived in this county.
   Out of people who lived in different counties, 50% lived in New York.

96% of the 10965 zip code residents lived in the same house 1 year ago.
   Out of people who lived in different houses, 46% moved from this county.
   Out of people who lived in different houses, 21% moved from different county within same state.
   Out of people who lived in different houses, 33% moved from different state.

Year Householders Moved Into Unit

Private vs. public school enrollment:

Students in private schools in grades 1 to 8 (elementary and middle school): 76
Here:

4.4%
New York:

12.7%
Students in private schools in grades 9 to 12 (high school): 161
Here:

20.0%
New York:

12.6%
Students in private undergraduate colleges: 283
Here:

40.4%
New York:

35.1%

Educational Attainment (%)

School Enrollment by Level of School (%)

Class of Workers (%)

Occupation by median earnings in the past 12 months ($)

  • 139,667Computer and mathematical occupations
  • 102,756Management occupations
  • 101,762Fire fighting and prevention, and other protective service workers including supervisors
  • 98,750Law enforcement workers including supervisors
  • 92,545Material moving occupations
  • 86,548Production occupations

Companies with federal contracts located in this zip code (PEARL RIVER, NY):

Top industries in this zip code by the number of employees in 2005:


Age and Sex of Sensory-Disabled Residents (Noninstitutionalized)

Age and Sex of Physically-Disabled Residents (Noninstitutionalized)

Age and Sex of Mentally-Disabled Residents (Noninstitutionalized)

Age and Sex of Self-Care Disabled Residents (Noninstitutionalized)

Age and Sex of Go-Outside-Home Disabled Residents (Noninstitutionalized)

Age and Sex of Residents with Employment Disability (Noninstitutionalized)

People in group quarters in 2010:

  • 33 people in group homes intended for adults
  • 22 people in workers' group living quarters and job corps centers
  • 7 people in residential treatment centers for adults
  • 5 people in other noninstitutional facilities

People in group quarters in 2000:

  • 43 people in homes for the mentally retarded
  • 34 people in other workers' dormitories
  • 16 people in religious group quarters

Fatal accident statistics in 2011:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 2
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 1
  • Persons involved in fatal accidents: 2
  • Pedestrians involved in fatal accidents: 0

Fatal accident statistics in 2010:

  • Fatal accident count: 1
  • Vehicles involved in fatal accidents: 1
  • Fatal accidents caused by drunken drivers: 0
  • Fatalities: 1
  • Persons involved in fatal accidents: 2
  • Pedestrians involved in fatal accidents: 0
Home Mortgage Disclosure Act Aggregated Statistics For Year 2009
(Based on 4 full and 2 partial tracts)
A) FHA, FSA/RHS & VA
Home Purchase Loans
B) Conventional
Home Purchase Loans
C) Refinancings
D) Home Improvement Loans
E) Loans on Dwellings For 5+ Families
F) Non-occupant Loans on
< 5 Family Dwellings (A B C & D)
NumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage ValueNumberAverage Value
LOANS ORIGINATED64$298,066162$318,124316$295,11534$150,5890$012$222,717
APPLICATIONS APPROVED, NOT ACCEPTED0$019$296,18638$308,8406$21,4600$00$0
APPLICATIONS DENIED3$298,32024$279,765142$332,05822$116,2460$02$294,180
APPLICATIONS WITHDRAWN4$219,7658$412,336115$323,1658$313,2452$1,000,0002$110,000
FILES CLOSED FOR INCOMPLETENESS7$332,3146$498,46348$335,8434$235,2430$02$180,000

Detailed HMDA statistics for the following Tracts: 0126.00 , 0127.00, 0128.00

Private Mortgage Insurance Companies Aggregated Statistics For Year 2009
(Based on 4 full and 2 partial tracts)
A) Conventional
Home Purchase Loans
B) Refinancings
NumberAverage ValueNumberAverage Value
LOANS ORIGINATED26$334,9416$369,467
APPLICATIONS APPROVED, NOT ACCEPTED12$241,4634$347,665
APPLICATIONS DENIED11$272,3050$0
APPLICATIONS WITHDRAWN1$253,4800$0
FILES CLOSED FOR INCOMPLETENESS0$00$0

Detailed PMIC statistics for the following Tracts: 0126.00 , 0127.00, 0128.00

Conventional Home Purchase Loans

Conventional Home Purchase Loans - Value

Most common first names in zip code 10965 among deceased individuals
NameCountLived (average)
John18874.4 years
Mary17480.7 years
William10474.9 years
Margaret9480.1 years
Joseph8676.3 years
Anna7782.7 years
James7371.2 years
Robert5869.2 years
Helen5683.7 years
Elizabeth5378.6 years
Most common last names in zip code 10965 among deceased individuals
Last nameCountLived (average)
Smith2974.8 years
Kelly1782.2 years
Obrien1378.4 years
Sullivan1281.3 years
Walsh1175.0 years
Murphy1172.3 years
Entwistle1081.9 years
Burns979.6 years
Martin980.5 years
Brown973.0 years
Businesses in zip code 10965
NameCountNameCount
7-Eleven1Jones New York2
CVS1KFC1
Decora Cabinetry2La-Z-Boy1
Dunkin Donuts1MasterBrand Cabinets4
FedEx4Nike2
H&R Block1UPS3
Hilton1

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