HousingHandbookReference data

U.S. ZIP Code · NY10604

Westchester County · New York-Newark-Jersey City, NY-NJ

Typical home value

$912,077[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+2.0%
5-year / yr
+5.5%
10-year / yr
+4.1%

Relative price

vs U.S.
+221.1%
vs metro
+25.0%
vs state
+186.3%
ZIP 10604 location in NY
Location of ZIP 10604 in NY

Price history

Zillow Home Value Index — monthly, smoothed and seasonally adjusted.

The typical home in 10604 is worth $912,077 — 25.0% above the New York-Newark-Jersey City, NY-NJ median. Over the past year, values have risen 2.0%. Homes here rent for a typical $3,368 a month — a 4.4% gross rental yield. The effective property tax rate is 1.8%.

#Rent & investment

Typical asking rent, and the returns it implies at the current home value.

Monthly rent
$3,368[2]
Gross yield
4.4%[2]
Cap rate
2.7%[2]

#Property tax

Effective rate — total real estate taxes paid relative to total home value.

Effective tax rate
1.8%[3]
Typical annual tax
$16,517[3]

#Climate risk

FEMA National Risk Index ratings for Westchester County. "Not Applicable" means the hazard does not threaten the county.

Overall risk
Relatively High[4]
Riverine flood
Relatively High
Coastal flood
Relatively Moderate
Wildfire
Very Low
Drought
Very Low
Heat wave
Relatively Moderate
Hurricane
Relatively High
Tornado
Relatively Moderate
Earthquake
Relatively Moderate
Winter weather
Very High

#Who lives here

Population
12,517[3]
Median household income
$117,014[3]

#Migration

Household moves in and out of Westchester County over a year, from IRS tax-return data.

Net migration
-3,865[5]
Moved in
22,013
Moved out
25,878

Schools

Open public schools in this ZIP, from the NCES Common Core of Data.

Public schools
3
Elementary
2
Middle
0
High
1
  • GEORGE WASHINGTON SCHOOL

    Elementary · Grades K–5 · WHITE PLAINS CITY SCHOOL DISTRICT

    600 students

  • SAMUEL J PRESTON SCHOOL

    Elementary · Grades K–5 · HARRISON CENTRAL SCHOOL DISTRICT

    340 students

  • REACH ACADEMY (THE)

    High · Grades 7–12 · GREENBURGH-NORTH CASTLE UNION FREE SCHOOL DISTRICT

    32 students

Run the numbers

Interactive calculators pre-filled with this ZIP's typical home value, rent, and property-tax rate. Edit any field to recompute.

Gross yield4.4%
Net yield (after ~40% expenses)2.7%
Annual rent$40,418

Gross and net yield are estimates based on the inputs and the selected expense ratio. Actual income and expenses will vary by property and market. Not investment advice.

Monthly payment$4,612
Loan principal$729,662
Down payment$182,415
Total interest paid$930,643

Estimated monthly payments include principal and interest only. Actual costs will include property tax, insurance, possibly PMI, and HOA fees not modeled here. Loan terms shown are estimates; consult a licensed lender for current rates and qualification.

Own : rent ratio2.00
Monthly cost to own$6,748
Monthly rent$3,368

Renting is meaningfully cheaper month-to-month.

This calculator projects multi-year scenarios based on assumptions about appreciation, rent growth, and investment returns — none of which are guaranteed. Actual outcomes depend on variables this tool cannot know. Not financial or real estate advice.

#Metro ranking

Where this ZIP sits among others in its metro area.

Appreciation
35th percentile[1]
Rental yield
29th percentile[2]
Property tax
54th percentile[3]

Frequently asked

How much is a home worth in ZIP code 10604?
The typical home in 10604 is worth $912,077, based on the Zillow Home Value Index.
Are home values rising in 10604?
Home values in 10604 are up 2.0% over the past year, and up 5.5% a year over five years.
What is the typical rent in 10604?
A typical home in 10604 rents for about $3,368 a month, a gross rental yield of 4.4%.
What is the property tax rate in 10604?
The effective property tax rate in 10604 is 1.8% — roughly $16,517 a year on a typical home.
Who lives in 10604?
ZIP code 10604 has a population of 12,517 and a median household income of $117,014.

#Comparable ZIPs

Same metro, nearest typical home value. Each card shows the comparable ZIP's headline numbers so you can scan at a glance.

  • New York, NY

    Typical home
    $916,488
    Gross yield
    3.6%
  • Pine Brook CDP, NJ

    Typical home
    $917,018
    Gross yield
    3.7%
  • Old Tappan, NJ

    Typical home
    $906,432
    Gross yield
  • Thornwood CDP, NY

    Typical home
    $905,154
    Gross yield
  • Yonkers, NY

    Typical home
    $919,720
    Gross yield
    4.6%
  • Chester, NJ

    Typical home
    $920,325
    Gross yield

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