ZIP Code Tabulation Area

10538

Larchmont, NY · ACS 2020–2024

Download data

Latest estimates

At a glance

U.S. Census Bureau American Community Survey 5-year estimates.

Total population
17,760
Median household income
$207,969
People below poverty
3%
Median home value
$1,266,600

Income

The median income of households in 10538 was $207,969. An estimated 4.8% of households had income below $10,000 a year and 50.5% had income of $200,000 or more.

Household Income in 10538 in 2020-2024

View Data Table ↓

Percent
Less than $10,000 4.8
$10,000 to $14,999 1.1
$15,000 to $24,999 0.7
$25,000 to $34,999 3.6
$35,000 to $49,999 5.1
$50,000 to $74,999 7.3
$75,000 to $99,999 7.7
$100,000 to $149,999 10.2
$150,000 to $199,999 9
$200,000 or more 50.5

Median Earnings for Full-Time Year-Round Workers by Sex in 10538 in 2020-2024

View Data Table ↓

Dollars
Male 233167
Female 111771

An estimated 85.4% of households received earnings. An estimated 22.3% of households received Social Security and an estimated 19 % of households received retirement income other than Social Security. The average income from Social Security was $32,782. These income sources are not mutually exclusive; that is, some households received income from more than one source.

Proportion of Households with Various Income Sources in 10538 in 2020-2024

View Data Table ↓

Percent
Earnings 85.4
Social Security 22.3
Retirement income 19
Supplemental Security Income (SSI) 4.2
Cash public assistance income 0.9

Poverty and Participation in Government Programs

In 2020-2024, 3 % of people were in poverty. An estimated 0.6% of children under 18 were below the poverty level, compared with 10.4% of people 65 years old and over. An estimated 2.2% of people 18 to 64 years were below the poverty level.

Poverty Rates in 10538 in 2020-2024

View Data Table ↓

Percent
People in poverty 3
Children under 18 years below poverty 0.6
People 65 years old and over below poverty 10.4
People 18 to 64 years below poverty 2.2

In 2020-2024, 0.3 % of households received SNAP (the Supplemental Nutrition Assistance Program). An estimated 0% of households that received SNAP had children under 18, and 0% of households that received SNAP had one or more people 60 years and over. An estimated 0% of all households receiving SNAP were families with a female householder and no spouse present.


Among the civilian noninstitutionalized population in 10538 in 2020-2024, 98.2% had health insurance coverage and 1.8% did not have health insurance coverage. Private coverage was 89.7% and public coverage was 19.4%, respectively. The percentage of children under the age of 19 with no health insurance coverage was 0.5%.


In 2020-2024, 10538 had a total population of 17,760 - 9,169 (51.6%) females and 8,591 (48.4%) males. The median age was 41.1 years. An estimated 27.1% of the population was under 18 years, 27.9% was 19 to 44 years, 28.7% was 45 to 64 years, and 15 % was 65 years and older.

Population by Age and Sex for 10538 in 2020-2024

Male Female
Under 5 638 462
5 to 9 574 820
10 to 14 928 604
15 to 19 452 546
20 to 24 200 314
25 to 29 490 594
30 to 34 308 370
35 to 39 626 678
40 to 44 623 750
45 to 49 773 607
50 to 54 669 606
55 to 59 710 542
60 to 64 484 730
65 to 69 342 665
70 to 74 361 255
75 to 79 171 203
80 to 84 108 238
85 and over 134 185

Hispanic Origin and Race

For people reporting one race alone, 81.2% were White; 3.9% were Black or African American; 5.2% were American Indian and Alaska Native; 3% were Asian; 2% were Native Hawaiian and Other Pacific Islander, and 0% were Some Other Race. An estimated 9.8% reported Two or More Races. An estimated 7.5% of the people in 10538 were Hispanic or Latino. An estimated 80.4% of the people in 10538 were White alone, non-Hispanic. People of Hispanic origin may be of any race.


Households and Families

In 2020-2024, there were 6,743 households in 10538. The average household size was 2.63 people.

Married-couple households made up 66.9% of the households in 10538 while cohabiting couple households made up 2.9% of households. Female householders with no spouse or partner present were 19.4% of all households, while 10.8% of households had male householders with no spouse or partner present. Some households had one person, as 9.2% of households were male householders living alone, and 13.7% were female householders living alone, for a total of 22.9% of all households.

In 10538, 38.6% of all households had one or more people under the age of 18; 31.3% of all households had one or more people 65 years and over.

Types of Households in 10538 in 2020-2024

View Data Table ↓

Percent
Married-couple households 66.9
Cohabiting Couples 2.9
Male Householder
No spouse/partner present
10.8
Female Householder
No spouse/partner present
19.4

Marital Status

Among persons 15 and older, 71.1% of males and 60.2% of females were currently married.

Population 15 years and over Percent
Males
Percent
Females
Never married 22.6 24.3
Now married, except separated 71.1 60.2
Separated 1.2 4.2
Widowed 1.2 5.5
Divorced 3.9 5.9

Grandparents and Grandchildren

In 10538, 30 grandparents lived with their grandchildren under 18 years old. Of those grandparents, 43.3% were responsible for the basic needs of their grandchildren.


Nativity and Foreign-Born

In 2020-2024, an estimated 85.7% of the people living in 10538 were U.S. natives. 56% of the 10538 population were living in the state where they were born.

Approximately 14.3% of 10538 residents in 2020-2024 were foreign-born. 65.6% of foreign-born were naturalized U.S. citizens and an estimated 64 % entered the country before the year 2010.

Foreign-born residents of 10538 come from different parts of the world. The bar graph below displays the percentage of foreign-born from each world region of birth in 2020-2024 for 10538.

Region of Birth for the Foreign-Born Population in 10538 in 2020-2024

View Data Table ↓

Percent
Latin America 27.2
Asia 15.5
Europe 43.6
Africa 6.6
Northern America 6.3
Oceania 0.9

Language

Among people at least five years old living in 10538 in 2020-2024, 15.1 % spoke a language other than English at home. Spanish was spoken by 4.2% of people at least five years old; 3% reported that they did not speak English "very well."

Percentage of the Population 5 years and over who Speak a Language other than English in 10538 in 2020-2024

View Data Table ↓

Percent
Spanish 4.2
Other Indo-European languages 9.1
Asian and Pacific Islander languages 0.9
Other languages 0.9

Geographic Mobility

In 2020-2024, 89.4 % of the people at least one year old living in 10538 were living in the same house one year earlier.

Geographic Mobility of Residents of 10538 in 2020-2024

View Data Table ↓

Percent
Same house 89.4
Different house, same county 2.8
Different county, same state 4.5
Different state 2.2
Abroad 1.2

Education

In 2020-2024, 98.6 % of people 25 years and over had at least graduated from high school and 82.5% had a bachelor's degree or higher. An estimated 1.5% did not complete high school.

The total school enrollment in 10538 was 4,597 in 2020-2024. Nursery school enrollment was 421 and kindergarten through 12th grade enrollment was 3,715. College or graduate school enrollment was 461.

Educational Attainment of People in 10538 in 2020-2024

View Data Table ↓

Percent
Less than high school diploma 1.5
High school diploma or equivalency 7.3
Some college, no degree 6.5
Associate's degree 2.2
Bachelor's degree 35.3
Graduate or professional degree 47.2

Disability

In 10538, among the civilian noninstitutionalized population in 2020-2024, 4.9 % reported a disability. The likelihood of having a disability varied by age - from 2% of people under 18 years old, to 4.4% of people 18 to 64 years old, and to 12.5% of those 65 and over.


Employment Status and Type of Employer

In 10538, 67.3 % of the population 16 and over were employed; 28.3% were not currently in the labor force.

An estimated 80.5% of the people employed were private wage and salary workers; 11.3% were federal, state, or local government workers; and 8.2 % were self-employed in their own (not incorporated) business.

Class of worker Number Percent
Private wage and salary workers 7,271 80.5
Federal, state, or local government workers 1,021 11.3
Self-employed workers in own not incorporated business 738 8.2

Industries

In 2020-2024, the civilian employed population 16 years and older in 10538 worked in the following industries:

Percent by Industry in 10538 in 2020-2024

View Data Table ↓

Percent
Agriculture, forestry, fishing and hunting, and mining 0
Construction 2.8
Manufacturing 3.2
Wholesale trade 1.4
Retail trade 6.9
Transportation and warehousing, and utilities 2.2
Information 4.6
Finance and insurance, and real estate and rental and leasing 19.1
Professional, scientific, and management, and administrative and waste management services 22.1
Educational services, and health care and social assistance 28.3
Arts, entertainment, and recreation, and accommodation, and food services 3.5
Other Services, except public administration 3.3
Public administration 2.6

Occupations

Occupations for the Civilian Employed Population 16 Years and over in 10538 in 2020-2024

Civilian employed population 16 years and over Number Percent
Management, business, sciences, and arts occupations 6,563 72.7
Service occupations 626 6.9
Sales and office occupations 1,353 15
Natural resources, construction, and maintenance occupations 297 3.3
Production, transportation, and material moving occupations 191 2.1

Commuting to Work

An estimated 35.2% of 10538 workers drove to work alone in 2020-2024, and 6% carpooled. Among those who commuted to work, it took them on average 39 minutes to get to work.

Percent of Workers 16 and over Commuting by Mode in 10538 in 2020-2024

View Data Table ↓

Percent
Car, truck, van -- drove alone 35.2
Car, truck, van -- carpooled 6
Public transportation (excluding taxicab) 25.5
Walked 1.8
Other means 1.6
Worked from home 29.8

In 2020-2024, 10538 had a total of 7,070 housing units. Of these housing units, 65.4% were single-family houses either not attached to any other structure or attached to one or more structures (commonly referred to as "townhouses" or "row houses"). 34.6% of the housing units were located in multi-unit structures, or those buildings that contained two or more apartments. 0% were mobile homes, while any remaining housing units were classified as "other," which included boats, recreational vehicles, vans, etc.

Types of Housing Units in 10538 in 2020-2024

View Data Table ↓

Percent
Single-family houses 65.4
Apartments in multi-unit structures 34.6
Mobile homes 0
Boat, RV, van, etc 0

5.7% of the housing inventory was comprised of houses built since 2010, while 56.8% of the houses were first built in 1939 or earlier. The median number of rooms in all housing units in 10538 was 6.8 rooms, and of these housing units 62.4% had three or more bedrooms.


In 2020-2024, 10538 had 6,743 housing units that were occupied or had people living in them, while the remaining 327 were vacant. Of the occupied housing units, the percentage of these houses occupied by owners (also known as the homeownership rate) was 78.3% while renters occupied 21.7%. The average household size of owner-occupied houses was 2.85 and in renter-occupied houses it was 1.81.

3.5% of householders of these occupied houses had moved into their house since 2021, while 10.6% moved into their house in 1989 or earlier. Households without a vehicle available for personal use comprised 7% and another 11.7% had three or more vehicles available for use.

The following chart provides the primary fuel used to heat houses in 10538:

House Heating Fuel Used in 10538 in 2020-2024

View Data Table ↓

Percent
Gas 71.9
Electricity 5.7
Fuel oil, kerosene, etc 21.5
All other fuels 0.5
No fuel used 0.4

In 2020-2024, the median property value for owner-occupied houses in 10538 was $1,266,600.

Of the owner-occupied households, 66.2 % had a mortgage. 33.8% owned their houses "free and clear," that is without a primary mortgage or loan on the house. The median monthly housing costs for owners with a mortgage was $4,000+ and for owners without a mortgage it was $1,500+.

For renter-occupied houses, the median gross rent for 10538 was $2,236. Gross rent includes the monthly contract rent and any monthly payments made for electricity, gas, water and sewer, and any other fuels to heat the house.