Estimated median household income in 2007: $93,883
| This zip code: | $93,883 | | New York: | $53,514 |
Nearest zip codes: 10980, 10511, 10548, 10993, 10923, 10566.
Housing units in zip code 10986 with a mortgage: 329 (16 second mortgage, 66 home equity loan, 0 both second mortgage and home equity loan)
Houses without a mortgage: 98
Median monthly owner costs for units with a mortgage: $2,402
Median monthly owner costs for units without a mortgage: $752
Residents with income below the poverty level in 2007:
| This zip code: | 2.9% | | Whole state: | 13.7% |
Residents with income below 50% of the poverty level in 2007:
| This zip code: | 2.1% | | Whole state: | 6.1% |
Median number of rooms in houses and condos:
| Here: | 7.0 | | State: | 6.3 |
Median number of rooms in apartments:
| Here: | 4.4 | | State: | 3.6 |
Year house built: |
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- 1999 to March 2000: 0
- 1995 to 1998: 46
- 1990 to 1994: 48
- 1980 to 1989: 89
- 1970 to 1979: 74
- 1960 to 1969: 36
- 1950 to 1959: 68
- 1940 to 1949: 90
- 1939 or earlier: 196
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Bedrooms in owner-occupied houses in 10986: |
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- no bedroom: 0
- 1 bedrooms: 32
- 2 bedrooms: 85
- 3 bedrooms: 118
- 4 bedrooms: 186
- 5 or more bedrooms: 72
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Bedrooms in renter-occupied apartments and housing units: |
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- no bedroom: 19
- 1 bedrooms: 16
- 2 bedrooms: 47
- 3 bedrooms: 14
- 4 bedrooms: 12
- 5 or more bedrooms: 0
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Vehicles available in 10986 zip code in owner-occupied houses/condos: |
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- no vehicle: 21
- 1 vehicle: 51
- 2 vehicles: 239
- 3 vehicles: 128
- 4 vehicles: 37
- 5 or more vehicles: 17
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Vehicles available in renter-occupied apartments: |
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- no vehicle: 0
- 1 vehicle: 49
- 2 vehicles: 26
- 3 vehicles: 6
- 4 vehicles: 8
- 5 or more vehicles: 19
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Estimated household income distribution in 2007:

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Estimate of home value of owner-occupied houses/condos in 2007 in zip code 10986:
- Less than $10,000: 5
- $10,000 to $14,999: 2
- $15,000 to $19,999: 2
- $20,000 to $24,999: 1
- $175,000 to $199,999: 13
- $200,000 to $249,999: 22
- $250,000 to $299,999: 3
- $300,000 to $399,999: 83
- $400,000 to $499,999: 104
- $500,000 to $749,999: 101
- $750,000 to $999,999: 68
- $1,000,000 or more: 97
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Rent paid by renters in 2007 in zip code 10986:
- $450 to $499: 3
- $500 to $549: 2
- $600 to $649: 6
- $700 to $749: 15
- $800 to $899: 7
- $1,000 to $1,249: 42
- $1,250 to $1,499: 59
- No cash rent: 22
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Median price asked for vacant for-sale houses and condos in 2007: $0.
Estimated median house (or condo) value in 2007 for: - White Non-Hispanic householders: $507,798
- Black or African American householders: $474,085
- Asian householders: $474,085
- Two or more races householders: $395,071
- Hispanic or Latino householders: $772,653
Estimated median house or condo value in 2007: $482,709 (it was $243,400 in 2000)
| 10986: | $482,709 | | New York: | $311,000 |
Lower value quartile - upper value quartile: $0 - $0
Mean price in 2007:
Detached houses: $568,796| Here: | $568,796 | | State: | $352,556 |
In 2-unit structures: $945,788| Here: | $945,788 | | State: | $482,362 |
Mobile homes: $5,000| Here: | $5,000 | | State: | $40,766 |
Owners and renters by unit type in %
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Breakdown of mean house values by ages of householders
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Housing units in structures:
- One, detached: 555
- Two: 47
- 3 or 4: 17
- 5 to 9: 18
- Mobile homes: 10

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Means of transportation to work
- Drove a car alone: 769 (84%)
- Carpooled: 126 (14%)
- Bus or trolley bus: 9 (1%)
- Worked at home: 13 (1%)
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Travel time to work
- Less than 5 minutes: 8
- 5 to 9 minutes: 44
- 10 to 14 minutes: 94
- 15 to 19 minutes: 53
- 20 to 24 minutes: 177
- 25 to 29 minutes: 68
- 30 to 34 minutes: 131
- 35 to 39 minutes: 31
- 40 to 44 minutes: 57
- 45 to 59 minutes: 54
- 60 to 89 minutes: 149
- 90 or more minutes: 38
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Percentage of zip code residents living and working in this county: 64.2%
Household type by relationship
Households: 1,771
- In family households: 1,537 (339 male householders, 105 female householders)
362 spouses, 586 children (566 natural, 14 adopted, 6 stepchildren), 11 grandchildren, 10 brothers or sisters, 36 parents, 43 other relatives, 45 non-relatives
- In nonfamily households: 234 (78 male householders (43 living alone)), 77 female householders (56 living alone)), 79 nonrelatives
Size of family households: 151 2-persons, 120 3-persons, 98 4-persons, 26 5-persons, 11 6-persons, 38 7-or-more-persons.
Size of nonfamily households: 99 1-person, 50 2-persons, 6 3-persons.
385 married couples with children.
45 single-parent households (8 men, 37 women).
90.2% of residents of 10986 zip code speak English at home.
5.9% of residents speak Spanish at home (80% very well, 15% well, 5% not well).
3.1% of residents speak other Indo-European language at home (86% very well, 14% well).
0.8% of residents speak Asian or Pacific Island language at home (100% very well).
Foreign born population: 90 (5.2%)
(62.2% of them are naturalized citizens)
| This zip code: | 5.2% | | Whole state: | 20.4% |
Most common places of birth for the foreign-born residents:
- United Kingdom (22%)
- France (12%)
- Germany (12%)
- Ireland (11%)
- Other Northern Europe (11%)
- Russia (11%)
- Canada (11%)
Year of entry for the foreign-born population |
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- 1995 to March 2000: 0
- 1990 to 1994: 6
- 1985 to 1989: 0
- 1980 to 1984: 34
- 1975 to 1979: 0
- 1970 to 1974: 0
- 1970 to 1974: 6
- 1965 to 1969: 44
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White population: 1,631
Black population: 15
American Indian population: 11
Asian population: 18
Native Hawaiian and Other Pacific Islander population: 0
Some other race population: 32
Two or more races population: 32

First ancestries reported:
|  Irish: 416 |
|  Italian: 365 |
|  Other groups: 201 |
|  German: 181 |
|  English: 105 |
|  United States or American: 54 |
|  French (except Basque): 46 |
|  Russian: 46 |
|  Polish: 40 |
|  Austrian: 33 |
|  British: 21 |
|  Norwegian: 21 |
|  Scottish: 13 |
|  Canadian: 10 |
|  European: 8 |
|  Welsh: 8 |
|  French Canadian: 7 |
Median worth of mobile homes: $11,512
Housing units lacking complete plumbing facilities: 1%
Most commonly used house heating fuel: |
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- Utility gas (56%)
- Fuel oil, kerosene, etc. (35%)
- Bottled, tank, or LP gas (8%)
- Electricity (1%)
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Place of birth for U.S.-born residents:
- This state: 1443
- Northeast: 132
- Midwest: 26
- South: 37
- West: 17
59% of the 10986 zip code residents lived in the same house 5 years ago.
Out of people who lived in different houses, 68% lived in this county.
Out of people who lived in different counties, 61% lived in New York.
Population in 1990: 1,615. Population change in the 1990s: +124 (+7.7%).
Year Householders Moved Into Unit:
Private vs. public school enrollment:
Students in private schools in grades 1 to 8 (elementary and middle school): 10
| Here: | 4.5% | | New York: | 14.0% |
Students in private schools in grades 9 to 12 (high school): 11
| Here: | 11.7% | | New York: | 13.2% |
Students in private undergraduate colleges: 30
| Here: | 43.5% | | New York: | 38.2% |
School Enrollment by Level of School
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Companies with federal contracts located in this zip code:
- COVE EXCAVATING COMPANY INCORP (RT 9 W in TOMKINS COVE, NY; small business)
$48,766 with Army for Carpet Laying and Cleaning. Signed on 2003-09-30. Completion date: 2003-10-30.
Top industries in this zip code by the number of employees in 2005:
- Utilities: Electric Power Distribution (100-249 employees: 1 establishment)
- Construction: Residential Remodelers (20-49: 1, 1-4: 2)
- Accommodation and Food Services: Food Service Contractors (20-49: 1)
- Mining: Crushed and Broken Limestone Mining and Quarrying (10-19: 1)
- Accommodation and Food Services: Full-Service Restaurants (5-9: 1, 1-4: 1)
- Construction: Other Foundation, Structure, and Building Exterior Contractors (5-9: 1)
- Construction: Site Preparation Contractors (5-9: 1)
- Wholesale Trade: Fresh Fruit and Vegetable Merchant Wholesalers (1-4: 3)
- Professional, Scientific, and Technical Services: Administrative Management and General Management Consulting Services (1-4: 2)
- Construction: Plumbing, Heating, and Air-Conditioning Contractors (1-4: 2)
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 (Noninst.)
Fatal accident statistics in 2006
- Fatal accident count: 2
- Vehicles involved in fatal accidents: 3
- Fatal accidents caused by drunken drivers: 0
- Fatalities: 2
- Persons involved in fatal accidents: 11
- Pedestrians involved in fatal accidents: 1
Fatal accident statistics in 2005
- Fatal accident count: 4
- Vehicles involved in fatal accidents: 7
- Fatal accidents caused by drunken drivers: 3
- Fatalities: 4
- Persons involved in fatal accidents: 10
- Pedestrians involved in fatal accidents: 1
Home Mortgage Disclosure Act Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 30 | $358,177 | 32 | $361,352 | 9 | $193,439 | 0 | $0 | 1 | $82,280 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 3 | $531,123 | 8 | $333,779 | 3 | $29,217 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 10 | $664,539 | 29 | $414,647 | 6 | $92,570 | 1 | $445,410 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 4 | $744,365 | 14 | $351,244 | 2 | $147,575 | 1 | $405,610 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 4 | $344,790 | 0 | $0 | 1 | $404,270 | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 partial tracts)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 29 | $392,426 | 43 | $310,867 | 12 | $122,496 | 3 | $402,480 | 2 | $58,135 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 4 | $409,188 | 12 | $312,481 | 2 | $116,050 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 8 | $342,444 | 30 | $351,350 | 6 | $98,682 | 2 | $282,405 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 5 | $307,494 | 22 | $393,617 | 1 | $285,760 | 1 | $343,450 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 6 | $368,045 | 1 | $154,280 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 29 | $389,342 | 51 | $364,223 | 8 | $129,968 | 2 | $326,905 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 5 | $369,476 | 8 | $231,370 | 3 | $58,583 | 0 | $0 | 0 | $0 |
| APPLICATIONS DENIED | 6 | $517,337 | 23 | $446,072 | 4 | $101,290 | 0 | $0 | 1 | $57,240 |
| APPLICATIONS WITHDRAWN | 2 | $294,035 | 34 | $371,058 | 2 | $267,875 | 2 | $136,620 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 4 | $354,405 | 7 | $365,363 | 0 | $0 | 1 | $427,080 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) | G) Loans On Manufactured Home Dwelling (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 35 | $375,047 | 61 | $319,513 | 13 | $124,322 | 4 | $269,885 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 9 | $222,854 | 13 | $259,032 | 3 | $103,153 | 1 | $149,810 | 4 | $68,758 |
| APPLICATIONS DENIED | 9 | $287,152 | 26 | $360,306 | 6 | $113,887 | 0 | $0 | 7 | $55,709 |
| APPLICATIONS WITHDRAWN | 7 | $408,421 | 26 | $343,157 | 4 | $251,215 | 1 | $277,260 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $306,110 | 8 | $426,181 | 1 | $413,660 | 1 | $238,800 | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 2 partial tracts)
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| B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 39 | $344,791 | 169 | $257,950 | 6 | $51,130 | 4 | $149,478 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 7 | $363,381 | 25 | $273,543 | 3 | $47,107 | 0 | $0 |
| APPLICATIONS DENIED | 10 | $373,725 | 44 | $315,652 | 3 | $81,390 | 1 | $373,860 |
| APPLICATIONS WITHDRAWN | 5 | $358,296 | 35 | $302,601 | 1 | $86,310 | 1 | $233,890 |
| FILES CLOSED FOR INCOMPLETENESS | 2 | $366,705 | 11 | $244,171 | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 1 partial tract)
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| A) FHA, FSA/RHS & VA Home Purchase Loans | B) Conventional Home Purchase Loans | C) Refinancings
| D) Home Improvement Loans
| F) Non-occupant Loans on < 5 Family Dwellings (A B C & D) |
| Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 2 | $130,815 | 32 | $227,798 | 33 | $164,298 | 7 | $29,754 | 1 | $144,470 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 | 6 | $211,160 | 9 | $121,899 | 2 | $53,245 | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 | 7 | $249,770 | 14 | $127,629 | 2 | $46,840 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 4 | $192,753 | 12 | $154,359 | 1 | $58,470 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 1 | $283,180 | 3 | $159,053 | 0 | $0 | 0 | $0 |
See detailed HMDA statistics for the following Tracts:
0101.01
Private Mortgage Insurance Companies Aggregated Statistics For Year 2007 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans |
| Number | Average Value |
| LOANS ORIGINATED | 1 | $407,400 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 |
Aggregated Statistics For Year 2006 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans |
| Number | Average Value |
| LOANS ORIGINATED | 1 | $273,240 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 |
Aggregated Statistics For Year 2005 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 1 | $516,520 | 0 | $0 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $221,360 | 1 | $214,210 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 2004 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans |
| Number | Average Value |
| LOANS ORIGINATED | 4 | $290,120 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 0 | $0 |
| APPLICATIONS DENIED | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 |
Aggregated Statistics For Year 2003 (Based on 2 partial tracts)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 2 | $227,625 | 1 | $519,200 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $459,270 | 1 | $261,610 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
Aggregated Statistics For Year 1999 (Based on 1 partial tract)
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| A) Conventional Home Purchase Loans | B) Refinancings
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| Number | Average Value | Number | Average Value |
| LOANS ORIGINATED | 7 | $181,694 | 1 | $293,430 |
| APPLICATIONS APPROVED, NOT ACCEPTED | 1 | $409,300 | 1 | $224,920 |
| APPLICATIONS DENIED | 0 | $0 | 0 | $0 |
| APPLICATIONS WITHDRAWN | 0 | $0 | 0 | $0 |
| FILES CLOSED FOR INCOMPLETENESS | 0 | $0 | 0 | $0 |
See detailed PMIC statistics for the following Tracts:
0101.01
Conventional Home Purchase Loans
Conventional Home Purchase Loans - Value
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