ZIP Code 10704 — Yonkers city, NY Demographics & Data

ZIP code 10704 covers Yonkers, NY in Westchester County with a population of about 31,844.

At a glance, the area shows median age of 40.7 versus a U.S. median of about 38.9.

It sits in telephone area code 914; U.S. House district NY-16; the NEW YORK media market.

Yonkers, NY sits in a university / college context (near montefiore school of nursing (1.3 mi)). Expect stronger interest in student housing, rentals, walkability, transit, and a younger adult age mix versus typical suburban ZIPs.

Median household income in ZIP 10704 is about $110,097 — about 47% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 10.8%; unemployment rate near 8.0%; 36.7% of adults with a bachelor’s degree or higher (about 3.0 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Healthcare, Education, and Construction; about 9.6% of workers reporting work-from-home (about 5.6 points below 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 $508,100 — about 46% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,814 (about 56% above the U.S. median rent ($1,163)), and owner-occupancy near 63.4% (about 2.1 points below the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 10704 in Yonkers, NY, a household would need roughly $140,000 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 $3,264. That is about 27% above the local median household income ($110,097), 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 Yonkers city, 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 Yonkers city, NY show little to no average snow and around 49.9 inches of annual precipitation.

IRS migration statistics show a net inflow of about 1,375 for ZIP 10704 (Yonkers city, 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.