HousingHandbookReference data

U.S. ZIP Code · NY10965

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

Typical home value

$705,244[1]

Zillow Home Value Index, as of April 2026

Appreciation

1-year
+5.9%
5-year / yr
+6.4%
10-year / yr
+5.2%

Relative price

vs U.S.
+148.3%
vs metro
-3.3%
vs state
+121.4%
ZIP 10965 location in NY
Location of ZIP 10965 in NY

Price history

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

The typical home in 10965 is worth $705,244 — 3.3% below the New York-Newark-Jersey City, NY-NJ median. Over the past year, values have risen 5.9%. The effective property tax rate is 2.1%.

#Rent & investment

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

Monthly rent
[2]
Gross yield
[2]
Cap rate
[2]

#Property tax

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

Effective tax rate
2.1%[3]
Typical annual tax
$15,058[3]

#Climate risk

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

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

#Who lives here

Population
15,206[3]
Median household income
$132,660[3]

#Migration

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

Net migration
-2,413[5]
Moved in
4,807
Moved out
7,220

Schools

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

Public schools
5
Elementary
3
Middle
1
High
1
  • PEARL RIVER HIGH SCHOOL

    High · Grades 8–12 · PEARL RIVER UNION FREE SCHOOL DISTRICT

    926 students

  • PEARL RIVER MIDDLE SCHOOL

    Middle · Grades 5–7 · PEARL RIVER UNION FREE SCHOOL DISTRICT

    502 students

  • EVANS PARK SCHOOL

    Elementary · Grades K–4 · PEARL RIVER UNION FREE SCHOOL DISTRICT

    316 students

  • FRANKLIN AVENUE SCHOOL

    Elementary · Grades K–4 · PEARL RIVER UNION FREE SCHOOL DISTRICT

    264 students

  • LINCOLN AVENUE SCHOOL

    Elementary · Grades K–4 · PEARL RIVER UNION FREE SCHOOL DISTRICT

    191 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 yield
Net yield (after ~40% expenses)
Annual rent

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$3,566
Loan principal$564,196
Down payment$141,049
Total interest paid$719,600

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 ratio
Monthly cost to own$5,411
Monthly rent

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
56th percentile[1]
Rental yield
[2]
Property tax
81st percentile[3]

Frequently asked

How much is a home worth in ZIP code 10965?
The typical home in 10965 is worth $705,244, based on the Zillow Home Value Index.
Are home values rising in 10965?
Home values in 10965 are up 5.9% over the past year, and up 6.4% a year over five years.
What is the property tax rate in 10965?
The effective property tax rate in 10965 is 2.1% — roughly $15,058 a year on a typical home.
Who lives in 10965?
ZIP code 10965 has a population of 15,206 and a median household income of $132,660.

#Comparable ZIPs

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

  • Pompton Plains CDP, NJ

    Typical home
    $705,652
    Gross yield
  • Manorville CDP, NY

    Typical home
    $704,780
    Gross yield
    4.0%
  • Edgewater, NJ

    Typical home
    $704,592
    Gross yield
    6.4%
  • Jefferson Valley-Yorktown CDP, NY

    Typical home
    $706,025
    Gross yield
  • New York, NY

    Typical home
    $704,319
    Gross yield
    5.0%
  • Teterboro, NJ

    Typical home
    $706,283
    Gross yield

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