ZIP Code · NY

ZIP 10604

Part of White Plains, NY

Pop. 12,517·Westchester County·60th most expensive ZIP in New York

Median rent (all units)

$3,746/mo

Year-over-Year

+2.5%

Month-over-Month

-0.4%

vs US Median

+$1,814

Reported rents

Stable (Monthly)

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Most AffordableMost Expensive

ZIP 10604 · $3,746

More expensive than 96% 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

$2,810

1 BR

$2,950

2 BR

$3,230

3 BR

$4,040

4 BR+

$4,390

Research median

$3,230/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

Compared with the peak

Rent in ZIP 10604 is 0.6% below its high of $3,770 in May 2026, at $3,746 as of September 2026.

Past year vs. the rest of New York

Rent in ZIP 10604 changed +2.5% 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 2 months in a row, and rose in 7 of the last 12 months.

What a typical income covers

30% of the median household income ($117,014) is $2,925 a month. That covers HUD's Fair Market Rent for up to a studio ($2,810); a 1-bedroom is $2,950.

Rank in White Plains

5th cheapest of 5 ZIP codes in White Plains.

Cheaper nearby

ZIP 10603, 2 miles away, rents for 21% less ($2,978/mo), about $9,200 a year in savings.

From Zillow's monthly rent index (ZORI) for ZIP 10604. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$44,952/yr

At $3,746/mo median

Location

CityWhite Plains

StateNY

CountyWestchester County

Rent Market Meter

Balanced Market

Renter's MarketBalancedLandlord's Market

Rents are roughly steady, with neither renters nor landlords holding a strong edge right now.

Based on rent-price momentum (+2.5% YoY, -0.4% MoM), not inventory.

Demographics

Who lives here

ZIP 10604 (White Plains, NY) is roughly split between renters and owners, has a large share of families with children, has a median income above the national average, 51.1% of residents hold a bachelor's degree or higher.

Population

12,517

Median income

$117,014

Median age

39.9

Renters

51.1%

Age distribution

25.9%

17.7%

30%

12.5%

13.9%

Under 1825.9%

18–3417.7%

35–5430%

55–6412.5%

65+13.9%

Gender

47.3%

52.7%

Male47.3%

Female52.7%

Race & ethnicity

63.8%

27.8%

White63.8%

Black4.7%

Hispanic27.8%

Asian3.6%

Education (25+)

21.2%

17.4%

51.1%

No HS diploma10.2%

HS diploma21.2%

Some college17.4%

Bachelor's+51.1%

Housing tenure

48.9%

51.1%

Owner48.9%

Renter51.1%

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

2023 vs 2026

How ZIP 10604 in White Plains, NY has changed in 5 years

Rent

$3,264 → $3,746

up 14.8%

Income

$101,619 → $117,014

up 15.1%

Population

11,740 → 12,517

up 6.6%

Renter share

43.3% → 51.1%

+7.8 pts

Bachelor's+

47.9% → 51.1%

+3.2 pts

Median age

39.1 → 39.9

+0.8 yrs

Since 2023, the typical rent in ZIP 10604 in White Plains, NY has increased from $3,264 to $3,746, a 14.8% change over five years. Local incomes tracked alongside that move, going from a median of $101,619 in 2021 to $117,014 more recently. The population has grown by 6.6% since 2021, moving from about 11,740 residents to roughly 12,517. Renters now make up 51.1% of households, compared with 43.3% five years ago. College-educated residents now make up 51.1% of adults here, versus 47.9% in 2021. These shifts give renters and would-be renters a longer baseline for sizing up today's listings against the ZIP 10604 in White Plains, NY market of 2023.

Community

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About renting in ZIP 10604

Last updated: October 17, 2026

ZIP code 10604 covers White Plains, NY. The median rent here is $3,746/mo as of October 2026. A 1-bedroom rents for a median of $2,950/mo. A 2-bedroom rents for a median of $3,230/mo.

At 38% of local median household income ($117,014/yr), ZIP 10604 ranks as moderate compared to the national benchmark of 30%. Rents have increased 2.5% over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 10604?

To keep rent at or below 30% of gross income, you would need to earn at least $150,000/year (about $72/hour full-time) to afford the median rent of $3,746/mo in ZIP 10604. The local median household income is $117,014/yr, so the typical household falls short of that bar.

Is rent going up or down in ZIP 10604?

Rent in ZIP 10604 has risen 2.5% over the past year as of September 2026. It sits 0.6% below its high of $3,770 in May 2026.

How does ZIP 10604 compare to other ZIPs in New York?

ZIP 10604 is one of the pricier among New York ZIP codes for rent, ranking #60 of 334 at $3,746/mo. Over the year to September 2026, rent in ZIP 10604 changed +2.5%, against a typical +5.6% across the 251 New York ZIP codes Zillow tracks.