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ZIP Code · NY

ZIP 10538

Pop. 17,760·Westchester County·6th most expensive ZIP in New York
Median rent (all units)
$7,085/mo
Year-over-Year
Stable
Month-over-Month
+13.4%
vs US Median
+$5,120
Rising (Monthly)
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Most AffordableMost Expensive
ZIP 10538 · $7,085
More expensive than 100% of US ZIP codes · National median $1,965/mo
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Medians by bedroom

Rent by unit size

Studio
$2,850
1 BR
$2,990
2 BR
$3,280
3 BR
$4,110
4 BR+
$4,460
Research median
$3,280/mo

Bedroom estimates are gross rents that include essential utilities (electricity, water, gas, sewer, trash).

Rent trends

12-month history

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Last updated: July 20, 2026

Annual cost
$85,020/yr
At $7,085/mo median
Location
StateNY
CountyWestchester County
Rent Market Meter
Strong Landlord's Market
Renter's MarketBalancedLandlord's Market
Rents are up 0.0% year-over-year. Expect competition, and move quickly to lock in terms.
Based on rent-price momentum (+0.0% YoY, +13.4% MoM), not inventory.
Demographics

Who lives here

ZIP 10538 (Larchmont, NY) is majority owner-occupied, has a large share of families with children, has a median income above the national average, 82.5% of residents hold a bachelor's degree or higher.

Population
17,760
Median income
$207,969
Median age
41.1
Renters
21.7%
Age distribution
27.1%
14%
30%
13.9%
15%
Under 1827.1%
18–3414%
35–5430%
55–6413.9%
65+15%
Gender
48.4%
51.6%
Male48.4%
Female51.6%
Race & ethnicity
81.2%
White81.2%
Black3.9%
Hispanic7.5%
Asian3%
Other4.3%
Education (25+)
82.5%
No HS diploma1.4%
HS diploma7.3%
Some college8.8%
Bachelor's+82.5%
Housing tenure
78.3%
21.7%
Owner78.3%
Renter21.7%

Source: U.S. Census Bureau · ACS 2024 5-Year Estimates

2021 vs 2026

How ZIP 10538 in Larchmont, NY has changed in 5 years

Income
$203,932 → $207,969
up 2.0%
Population
17,424 → 17,760
up 1.9%
Renter share
19.1% → 21.7%
+2.6 pts
Bachelor's+
82.7% → 82.5%
-0.2 pts
Median age
38.8 → 41.1
+2.3 yrs

On the earnings side, the typical household in ZIP 10538 in Larchmont, NY now reports about $207,969, up from $203,932 in 2021. The population has grown by 1.9% since 2021, moving from about 17,424 residents to roughly 17,760. Renters now make up 21.7% of households, compared with 19.1% five years ago.

Community

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Local insights

Tips for renters in ZIP 10538

About renting in ZIP 10538

Last updated: July 20, 2026

ZIP code 10538 covers Larchmont, NY. The median rent here is $7,085/mo as of July 2026. A 1-bedroom rents for a median of $2,990/mo. A 2-bedroom rents for a median of $3,280/mo.

At 41% of local median household income ($207,969/yr), ZIP 10538 ranks as moderate compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much is rent in ZIP code 10538?

As of July 20, 2026, the median monthly rent in ZIP 10538 (Larchmont, NY) is $7,085. This is based on aggregated data from public sources and community submissions.

How does ZIP 10538 rent compare to the US average?

ZIP 10538's median rent of $7,085/mo is $5,120 (261%) above the US national median of $1,965/mo.

How does ZIP 10538 compare to other ZIPs in New York?

ZIP 10538 is one of the pricier ZIP codes in New York, ranking #6 out of 344 ZIPs tracked at $7,085/mo.

How much income do you need to rent in ZIP 10538?

To keep rent at or below 30% of gross income, you would need to earn at least $283,000/year (~$136/hour full-time) to afford the median rent of $7,085/mo in ZIP 10538. The local median household income is $207,969/yr, meaning the typical household falls short of that threshold.

Is rent going up or down in ZIP 10538?

Rent in ZIP 10538 has been relatively stable over the past year, with a 0.0% change year over year as of July 20, 2026.

Is ZIP 10538 an affordable place to rent?

ZIP 10538 is considered stretched for renters. At $7,085/mo, rent takes approximately 41% of the local median household income ($207,969/yr). The standard benchmark is 30%. ZIP 10538 significantly exceeds that threshold, making it challenging for many renters.

What percentage of ZIP 10538 residents rent vs. own?

According to Census data, approximately 21.7% of ZIP 10538 households are renters, while 78.3% are owner-occupied. ZIP 10538 leans toward homeownership, which can mean a smaller rental inventory.

How does ZIP 10538 compare to the rest of Larchmont?

ZIP 10538 is more affordable than Larchmont overall. At $7,085/mo, it's $117 below the Larchmont citywide median of $7,202/mo.

When was rent data for ZIP 10538 last updated?

Rent data for ZIP 10538 reflects July 20, 2026. RentDataNow refreshes all data monthly using public and private datasets.
Income Affordability
41%
STRETCHED

At $7,085/mo, rent takes ~41% of ZIP 10538's median household income ($207,969/yr). The standard benchmark is 30%.

ZIP 10538 41%Benchmark 30%
State income tax4–10.9%
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Schools nearby

Public schools near ZIP 10538 (Larchmont, NY)

Recent submissions

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