ZIP Code 10804 — New Rochelle city, NY Demographics & Data

ZIP code 10804 covers New Rochelle, NY in Westchester County with a population of about 15,228.

At a glance, the area shows median age of 45.4 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.

New Rochelle, NY sits in a university / college context (near iona university (1.5 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 10804 is about $220,089 — about 193% above the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 3.1%; unemployment rate near 3.0%; 80.0% of adults with a bachelor’s degree or higher (about 46.3 points above the national share (33.7%)).

Labor and commute patterns include leading industry context around Professional services, Healthcare, and Education; about 28.1% of workers reporting work-from-home (about 12.9 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 $894,100 — about 157% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,945 (about 67% above the U.S. median rent ($1,163)), and owner-occupancy near 94.8% (about 29.4 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 10804 in New Rochelle, NY, a household would need roughly $246,000 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 $5,743. That is roughly in line with the local median household income ($220,089). 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 New Rochelle 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 New Rochelle city, NY show little to no average snow and around 51.2 inches of annual precipitation.

IRS migration statistics show a net inflow of about 658 for ZIP 10804 (New Rochelle 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.