ZIP Code 10589 — Heritage Hills CDP, NY Demographics & Data

ZIP code 10589 covers Heritage Hills, NY in Westchester County with a population of about 7,266.

At a glance, the area shows median age of 63.3 versus a U.S. median of about 38.9.

It sits in telephone area codes 329, 845, 914; U.S. House district NY-17; the NEW YORK media market.

Heritage Hills, NY fits a retirement-oriented profile (high share of residents 65+ (45.0%)). Residents and relocators commonly research healthcare access, everyday amenities (dining, personal services), and housing costs rather than tech or campus life.

Median household income in ZIP 10589 is about $123,293 — about 64% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.5%; unemployment rate near 4.8%; 65.8% of adults with a bachelor’s degree or higher (about 32.1 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Education, Healthcare, and Professional services; about 17.1% of workers reporting work-from-home (about 1.9 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $521,200 — about 50% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $3,147 (about 171% above the U.S. median rent ($1,163)), and owner-occupancy near 90.8% (about 25.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 10589 in Heritage Hills, NY, a household would need roughly $143,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $3,348. That is about 16% above the local median household income ($123,293), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Heritage Hills CDP, NY as Relatively High (composite score 96.2), which is among the highest nationally. The strongest component scores on US5 are flood (98.0) and hurricane (93.6). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Heritage Hills CDP, NY show little to no average snow and around 50.3 inches of annual precipitation.

IRS migration statistics show a net inflow of about 314 for ZIP 10589 (Heritage Hills CDP, NY) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.