ZIP Code · NY

ZIP 10990

Part of Warwick, NY

Pop. 20,368·Orange County·208th most expensive ZIP in New York

Median rent (all units)

$2,419/mo

Year-over-Year

Stable

Month-over-Month

+1.4%

vs US Median

+$487

Reported rents

Rising (Monthly)

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Most AffordableMost Expensive

ZIP 10990 · $2,419

More expensive than 78% 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

$1,200

1 BR

$1,360

2 BR

$1,740

3 BR

$2,210

4 BR+

$2,370

Research median

$1,740/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

What a typical income covers

30% of the median household income ($125,870) is $3,147 a month. That covers HUD's Fair Market Rent for up to a 4-bedroom ($2,370).

From Zillow's monthly rent index (ZORI) for ZIP 10990. Income is the Census median household income (5-year estimates). Fair Market Rents are HUD’s, which include utilities.

Annual cost

$29,028/yr

At $2,419/mo median

Location

CityWarwick

StateNY

CountyOrange County

Rent Market Meter

Landlord's Market

Renter's MarketBalancedLandlord's Market

Rents are climbing (0.0% YoY), so leverage tilts toward landlords. Act sooner rather than later.

Based on rent-price momentum (+0.0% YoY, +1.4% MoM), not inventory.

Demographics

Who lives here

ZIP 10990 (Warwick, NY) is majority owner-occupied, has a large retiree population, has a median income above the national average, 50.6% of residents hold a bachelor's degree or higher.

Population

20,368

Median income

$125,870

Median age

Renters

22.7%

Age distribution

19.5%

17.6%

24.8%

16.3%

21.7%

Under 1819.5%

18–3417.6%

35–5424.8%

55–6416.3%

65+21.7%

Gender

49.7%

50.3%

Male49.7%

Female50.3%

Race & ethnicity

79%

14%

White79%

Black2.8%

Hispanic14%

Asian1.6%

Other2.6%

Education (25+)

18.9%

25.8%

50.6%

No HS diploma4.8%

HS diploma18.9%

Some college25.8%

Bachelor's+50.6%

Housing tenure

77.3%

22.7%

Owner77.3%

Renter22.7%

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

2021 vs 2026

How ZIP 10990 in Warwick, NY has changed in 5 years

Income

$117,168 → $125,870

up 7.4%

Population

21,024 → 20,368

down 3.1%

Renter share

21.5% → 22.7%

+1.2 pts

Bachelor's+

48.3% → 50.6%

+2.3 pts

Median age

47.7 → 46

-1.7 yrs

Median household income climbed from $117,168 to $125,870 between 2021 and 2024, a 7.4% shift. Census counts show ZIP 10990 in Warwick, NY losing about 656 residents over the five-year window, down 3.1% on net. Bachelor's-degree-or-higher attainment moved from 48.3% to 50.6% across the same window.

Community

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Local insights

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About renting in ZIP 10990

Last updated: October 17, 2026

ZIP code 10990 covers Warwick, NY. The median rent here is $2,419/mo as of October 2026. A 1-bedroom rents for a median of $1,360/mo. A 2-bedroom rents for a median of $1,740/mo.

At 23% of local median household income ($125,870/yr), ZIP 10990 ranks as affordable compared to the national benchmark of 30%. Rent prices have stayed steady over the past year.

FAQ

Frequently asked questions

How much income do you need to rent in ZIP 10990?

To keep rent at or below 30% of gross income, you would need to earn at least $97,000/year (about $47/hour full-time) to afford the median rent of $2,419/mo in ZIP 10990. The local median household income is $125,870/yr, so the typical household meets that bar.