ZIP Code · NY

ZIP 10550

Part of Mount Vernon, NY

Pop. 38,972·Westchester County·187th most expensive ZIP in New York

Median rent (all units)

$2,603/mo

Year-over-Year

-0.6%

Month-over-Month

-1.6%

vs US Median

+$671

Reported rents

Falling (Monthly)

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Most AffordableMost Expensive

ZIP 10550 · $2,603

More expensive than 82% of US ZIP codes · National median $1,932/mo

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Compare your rent to the local median.

Medians by bedroom

Rent by unit size

Studio

$2,370

1 BR

$2,490

2 BR

$2,730

3 BR

$3,420

4 BR+

$3,710

Research median

$2,730/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: October 17, 2026

From the history

What the numbers show

Past year vs. the rest of New York

Rent in ZIP 10550 changed -0.6% over the year to September 2026. Across the 251 New York ZIP codes Zillow tracks, the typical change was +5.6%.

Recent direction

Rent has fallen 3 months in a row, and rose in 4 of the last 12 months.

What a typical income covers

30% of the median household income ($60,701) is $1,518 a month. That is less than HUD's Fair Market Rent for a studio ($2,370).

Cheaper nearby

ZIP 10468, 4 miles away, rents for 17% less ($2,171/mo), about $5,200 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 10550. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$31,236/yr

At $2,603/mo median

Location

CityMount Vernon

StateNY

CountyWestchester County

Rent Market Meter

Renter's Market

Renter's MarketBalancedLandlord's Market

Rents are softening (down 0.6% YoY), so renters have negotiating leverage.

Based on rent-price momentum (-0.6% YoY, -1.6% MoM), not inventory.

Demographics

Who lives here

ZIP 10550 (Mount Vernon, NY) is majority renter-occupied, has a median income below the national average, 24.9% of residents hold a bachelor's degree or higher.

Population

38,972

Median income

$60,701

Median age

39.8

Renters

71.8%

Age distribution

22.7%

21%

26.6%

13.2%

16.4%

Under 1822.7%

18–3421%

35–5426.6%

55–6413.2%

65+16.4%

Gender

44%

56%

Male44%

Female56%

Race & ethnicity

69%

21.8%

White6.4%

Black69%

Hispanic21.8%

Asian0.8%

Other2%

Education (25+)

16.7%

30.8%

27.6%

24.9%

No HS diploma16.7%

HS diploma30.8%

Some college27.6%

Bachelor's+24.9%

Housing tenure

28.2%

71.8%

Owner28.2%

Renter71.8%

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

2021 vs 2026

How ZIP 10550 in Mount Vernon, NY has changed in 5 years

Income

$48,472 → $60,701

up 25.2%

Population

39,360 → 38,972

down 1.0%

Renter share

76.1% → 71.8%

-4.3 pts

Bachelor's+

21% → 24.9%

+3.9 pts

Census figures show median household income at $60,701 today, compared with $48,472 five years earlier. Headcount in the area went from 39,360 to 38,972 between 2021 and 2024, a 1.0% change. About 71.8% of households rent today, against 76.1% in 2021. Educational attainment has shifted as well, with the share of adults holding a bachelor's degree or higher climbed from 21% to 24.9%.

Community

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Local insights

Tips for renters in ZIP 10550

About renting in ZIP 10550

Last updated: October 17, 2026

ZIP code 10550 covers Mount Vernon, NY. The median rent here is $2,603/mo as of October 2026. A 1-bedroom rents for a median of $2,490/mo. A 2-bedroom rents for a median of $2,730/mo.

At 51% of local median household income ($60,701/yr), ZIP 10550 ranks as expensive compared to the national benchmark of 30%. Rents have decreased 0.6% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 10550?

To keep rent at or below 30% of gross income, you would need to earn at least $104,000/year (about $50/hour full-time) to afford the median rent of $2,603/mo in ZIP 10550. The local median household income is $60,701/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 10550?

Rent in ZIP 10550 has fallen 0.6% over the past year.

How does ZIP 10550 compare to other ZIPs in New York?

ZIP 10550 is in the middle among New York ZIP codes for rent, ranking #187 of 334 at $2,603/mo. Over the year to September 2026, rent in ZIP 10550 changed -0.6%, against a typical +5.6% across the 251 New York ZIP codes Zillow tracks.