LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+1.3%|Austin · TXMedian List$290K-3.5%|Baltimore · MDMedian List$265K+1.1%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$875K+6.1%|Charlotte · NCMedian List$402K+1.2%|Chicago · ILMedian List$410K+7.8%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.7%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$412K+3.4%|Davidson County · TNMedian List$465K-1.1%|Denver · COMedian List$618K+5.0%|Detroit · MIMedian List$321K-2.7%|Duval County · FLMedian List$312K-1.4%|El Paso · TXMedian List$301K+11.1%|Fort Worth · TXMedian List$330K-1.5%|Franklin County · OHMedian List$301K+0.1%|Fresno · CAMedian List$375K+2.1%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$325K-2.3%|Indianapolis · INMedian List$250K+2.7%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$312K-1.4%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$310K+3.1%|King County · WAMedian List$850K-4.0%|Las Vegas · NVMedian List$450K+1.1%|Los Angeles · CAMedian List$1M-1.7%|Louisville · KYMedian List$280K+1.8%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$209K+4.7%|Mesa · AZMedian List$490K-0.9%|Milwaukee · WIMedian List$245K+2.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$495K+3.1%|New York · NYMedian List$885K+8.7%|Oklahoma City · OKMedian List$275K-0.4%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$279K+4.6%|Phoenix · AZMedian List$452K+0.5%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$518K-2.2%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$257K-2.9%|San Diego · CAMedian List$910K+1.1%|San Francisco · CAMedian List$1.6M+14.9%|San Jose · CAMedian List$1.6M-5.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$844K+1.2%|Shelby County · TNMedian List$250K-2.8%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$497K-5.3%|Tucson · AZMedian List$324K-0.9%|Wayne County · MIMedian List$160K0.0%|LatestCoverageAll 50 states, D.C. and five territories now on the ledger|NewPuerto Rico's 78 municipios ledgered, municipio by municipio|FeatureAssessment appeal workspace — build a filing package from your own evidence|FeatureLiving reports — versioned, re-runnable, exportable|DevelopersMetered REST gateway · issued keys · signed webhooks|Live market readings · refreshed on loadAlbuquerque · NMMedian List$360K+1.3%|Austin · TXMedian List$290K-3.5%|Baltimore · MDMedian List$265K+1.1%|Bernalillo County · NMMedian List$364K+2.7%|Bexar County · TXMedian List$303K+3.7%|Boston · MAMedian List$875K+6.1%|Charlotte · NCMedian List$402K+1.2%|Chicago · ILMedian List$410K+7.8%|Clark County · NVMedian List$447K+0.1%|Columbus · OHMedian List$300K+0.7%|Cook County · ILMedian List$348K+5.1%|Dallas · TXMedian List$412K+3.4%|Davidson County · TNMedian List$465K-1.1%|Denver · COMedian List$618K+5.0%|Detroit · MIMedian List$321K-2.7%|Duval County · FLMedian List$312K-1.4%|El Paso · TXMedian List$301K+11.1%|Fort Worth · TXMedian List$330K-1.5%|Franklin County · OHMedian List$301K+0.1%|Fresno · CAMedian List$375K+2.1%|Harris County · TXMedian List$327K+0.6%|Houston · TXMedian List$325K-2.3%|Indianapolis · INMedian List$250K+2.7%|Jackson County · MOMedian List$275K+7.0%|Jacksonville · FLMedian List$312K-1.4%|Jefferson County · KYMedian List$248K-4.3%|Kansas City · MOMedian List$310K+3.1%|King County · WAMedian List$850K-4.0%|Las Vegas · NVMedian List$450K+1.1%|Los Angeles · CAMedian List$1M-1.7%|Louisville · KYMedian List$280K+1.8%|Maricopa County · AZMedian List$458K-0.4%|Marion County · INMedian List$259K+3.7%|Mecklenburg County · NCMedian List$407K-5.3%|Memphis · TNMedian List$209K+4.7%|Mesa · AZMedian List$490K-0.9%|Milwaukee · WIMedian List$245K+2.7%|Multnomah County · ORMedian List$518K-1.2%|Nashville · TNMedian List$495K+3.1%|New York · NYMedian List$885K+8.7%|Oklahoma City · OKMedian List$275K-0.4%|Oklahoma County · OKMedian List$259K-0.7%|Philadelphia · PAMedian List$279K+4.6%|Phoenix · AZMedian List$452K+0.5%|Pima County · AZMedian List$373K+0.9%|Portland · ORMedian List$518K-2.2%|Sacramento · CAMedian List$510K+4.0%|San Antonio · TXMedian List$257K-2.9%|San Diego · CAMedian List$910K+1.1%|San Francisco · CAMedian List$1.6M+14.9%|San Jose · CAMedian List$1.6M-5.9%|Santa Clara County · CAMedian List$1.3M+0.1%|Seattle · WAMedian List$844K+1.2%|Shelby County · TNMedian List$250K-2.8%|Suffolk County · MAMedian List$857K+7.3%|Tarrant County · TXMedian List$385K-1.2%|Travis County · TXMedian List$497K-5.3%|Tucson · AZMedian List$324K-0.9%|Wayne County · MIMedian List$160K0.0%|
Property-class scope

The story of this market

The typical home in ZIP 10524 sells for about $758,000, or $575 per square foot.

Prices are up +40.3% from a year ago, so sellers still have some momentum. Homes take about 34 days to sell. HUD's fair market rent for a two-bedroom is $2,457 a month.

ZIP market report · consumer edition · quarterly refresh
Track this ZIP

ZIP 10524 — Garrison

Putnam County →Westchester County →spans 2 countiesrefreshed Oct 1, 20262 cycles retainednext refresh Oct 31, 2026
Market mood · cautiously optimistic

The market in 10524 is characterized by low inventory and high demand, leading to significant year-over-year price appreciation. While sales volume remains low, the competitive nature of the market is reflected in the rapid turnover of listings. Data for specific metrics like price cuts and months of supply are limited due to the small sample size of recent transactions.

Who this ZIP fits

This ZIP is ideal for families and commuters seeking a balance of suburban space, outdoor recreation, and reliable access to major employment centers.

Parent geography
Garrison · no city intel reportPutnam County →New York state →
Aerial view · ZIP boundaries2020 Census ZCTA boundary over current aerial imagery
Leaflet Imagery © Esri, Maxar, Earthstar Geographics
Land area · 54 km²Water area · 0.8 km²U.S. Census Bureau TIGERweb — 2020 Census ZCTA5 boundary
Median sale price
$758,000
+40.3% year over year
Corroboration pending — anchor baseline forms on the first refresh cycles
Days on market
34 days
Active listings
18
Listings with price cuts
6%
share of active listings
Sale-to-list ratio
98.5%
of asking price
ZIP Market ScoreZIP-SCORE-1.3 · 4/4 sections graded
78
Composite · average of graded sections
Computed only from this report's published readings — sections without data are excluded, never estimated.
100
Growth/100

Median prices moved up 40.3% year over year.

46
Liquidity/100

Homes spend a median of 34 days on market with 9.0 months of supply — a balanced-paced market.

81
Momentum/100

6% of listings have cut prices · homes sell at 98.5% of asking — demand is running ahead of supply.

85
Safety & stability/100

no recorded foreclosure-ledger notices (0.0 per 10,000 residents) · unemployment 5.3% · poverty 7.5% — a stable, low-distress profile.

Census trends · population flowsACS 2019-2023 5-year estimates
Population change
+0.5%

versus the prior ACS vintage

Population base
4,578

ZCTA 10524

Area context
Schools & education

The area is served by highly-rated public school districts known for strong academic performance and college readiness.

Environmental & hazard

The region faces standard regional risks including potential for heavy precipitation and wind events; insurance premiums are influenced by proximity to the Hudson River and local topography.

Growth & development

Economic momentum is driven by proximity to major Westchester and NYC employment hubs, with ongoing residential development and infrastructure maintenance.

Taxation

Property taxes are levied by local municipal, county, and school district authorities, with rates determined by annual assessments and local budget requirements.

Transportation & commute

Residents benefit from proximity to Metro-North rail lines providing direct access to Grand Central Terminal, alongside major highway corridors like the Taconic State Parkway.

Recreation & amenities

The area features extensive access to Hudson River waterfront parks, hiking trails, and local golf courses, with shopping and dining concentrated in nearby village centers.

Rental market

The rental market is characterized by high demand and limited inventory, with rents reflecting the area's desirability and proximity to transit.

Economy & employers

The local economy is supported by a mix of professional services, education, and healthcare sectors, with many residents commuting to larger regional employment hubs.

Transportation & infrastructure

The area is served by regional highway networks and proximity to Metro-North commuter rail stations.

Development pipeline

Development is primarily focused on residential infill and local infrastructure improvements.

Special districts

Parcels are subject to local school district, county, and municipal tax levies.

Insurance & hazard market

Property insurance markets are stable but sensitive to regional weather-related risk factors.

Discovery profileACS 2019-2023 5-year estimates
Census profile · ZCTA 10524
Population
4,578
Median age
49.8 yrs
Owner-occupancy
87.5%
Median home value
$549,600
Median gross rent
$2,100
Median household income
$164,852
Median year built
1961
Vacancy rate
12.5%
Renter share
12.5%
Owner cost burden
28.4%
Renter cost burden
32.1%
Population change
+0.5%
Work-from-home share
22.5%
Mean commute
38.5 min
Bachelor's or higher
62.4%
Unemployment
5.3%
Poverty rate
7.5%
Avg household size
2.6
White
88.2%
Hispanic
6.1%
Asian
3.2%
Other
2.5%

Data retrieved from US Census Bureau ZCTA profiles.

Public schools with an address here · 1

Public schools whose reported address is in this area (NCES). Not attendance boundaries — schools that serve residents may sit outside it. Check the district's address locator for assignment.

Garrison SchoolElementary/Middle8/10Garrison Union Free School DistrictHighly regarded local school.
School districts
Garrison Union Free School DistrictHighSmall, high-performing district serving the local community.
Utilities & services
ElectricCon EdisonPrimary provider for the region.
Natural GasNYSEGService availability varies by location.
Major employers & industries
Local School DistrictsEducationMajor local employer.
Major amenities · ZIP 10524
Theme, amusement & water parks
17 · 20 mi
Entertainment venues, stadiums & amphitheaters
16 · 20 mi
Family fun & things to do
20+ · 13 mi
Museums, galleries & history
20+ · 20 mi
Parks, trails & nature
19 · 13 mi
Lakes, marinas & beaches
4 · 20 mi
Shopping & dining districts
13 · 13 mi

Theme parks, venues, golf, airports, museums, water and shopping across the area ranked by popularity within the radius shown.

Amenities & attractions2 retained amenities
Inside this ZIP
Hudson River Waterfront
Natural Feature

Provides scenic views and recreational access.

Local Hiking Trails
Recreation

Extensive trail networks serving the local community.

Sources · 4 cited

Key-figure check: median price corroborated by the prior refresh cycle (within 12.5%).