10940Middletown, New York

Area Profile

Income, jobs, climate, physical risk and development data for ZIP code 10940.

57out of 100
Area Score
Bottom 39% of 5,298 profiles measured

How we calculate this

How this area ranks
Opportunity3992nd of 6,210 ZIP areas measured48
Schools3249th of 4,422 ZIP areas measured33
Growth4206th of 5,428 ZIP areas measured33
Housing affordability3493rd of 6,685 ZIP areas measured79
Climate5493rd of 6,789 ZIP areas measured61
Physical resilienceTop 30% of 6,709 ZIP areas measured74
Access3398th of 6,791 ZIP areas measured93
Economic stability3543rd of 6,742 ZIP areas measured58
The quick read

Unemployment is 4.7% and median household income $87,080, putting employment conditions in the middle range of published ZIP profiles.

In the public schools here, 17% of students met the state standard in mathematics, with 11.1 students for every teacher.

A major airport is 20 miles away, giving the area unusually direct access to the national air network.

At a glance

Population
53,611
2024 ACS 5-Year
Median household income
$87,080
Top 30% nationally
Density
849/sq mi
63.1 sq mi of land
Median age
38.1
2024 ACS 5-Year
City
Middletown
New York
Metro area
Kiryas Joel-Poughkeepsie-Newburgh, NY
Nearest major airport
SWF
20 mi · New York Stewart Intl
Median home value
$336,500
2024 ACS 5-Year

Jobs & opportunity

Unemployment of 4.7% is lower than 40% of the 6,544 measured US ZIP areas.

Employment fell 0.7% over the past year, to 13,418 employed residents.

MetricValueCompared nationallySource period
Median household income ±$7,262$87,080Top 30%of 31,2952024 ACS 5-Year
Per capita income ±$1,918$37,711Top 46%of 32,8222024 ACS 5-Year
Poverty rate12.5%Top 41%of 32,9702024 ACS 5-Year
Average commute35.8 minTop 15%of 32,8872024 ACS 5-Year
Bachelor's degree or higher23.6%Top 49%of 33,1932024 ACS 5-Year
Employment13,418Bottom 7%of 6,544June 2026
Employment change (3 years)-1.6%Bottom 25%of 6,542June 2026
Employment change (year over year)-0.7%Top 47%of 6,544June 2026
Labor force14,083Bottom 7%of 6,544June 2026
Labor force participation64.5%Top 35%of 33,2522024 ACS 5-Year
Mean annual wage$67,700Top 46%of 6,0722025 OEWS
Median annual wage$50,990Top 48%of 6,0722025 OEWS
Unemployment change (year over year)0.1%Top 45%of 6,544June 2026
Unemployment rate4.7%Top 40%of 6,544June 2026
Median household income, successive ACS releases
202120222023202487k70k
Each point is a separate five-year estimate, most recently $87,080 in the 2024 ACS 5-Year. Consecutive releases share four years of sample, so AreaProfile shows them as a record of successive estimates and does not compute a year-over-year change from them.
Largest occupations — Kiryas Joel-Poughkeepsie-Newburgh, NY
OccupationPeople employedMedian annual wage
Home Health and Personal Care Aides10,750$39,040
Retail Salespersons9,890$36,160
Laborers and Freight, Stock, and Material Movers, Hand7,030$44,510
Stockers and Order Fillers6,500$40,350
Fast Food and Counter Workers6,280$35,320
Registered Nurses5,760$102,890

Occupational employment and wages are published for metropolitan areas rather than for individual cities or ZIP areas, so these describe the wider labor market this location sits in. 2025 OEWS, U.S. Bureau of Labor Statistics.

The Bureau of Labor Statistics does not publish labor-force data for ZIP areas. This is the figure for Middletown, NY, the city containing this ZIP code.

17% of students met the state standard in mathematics and 42% in reading, across the schools here that reported results.

There are 11.1 students for every full-time teacher, fewer than in most measured places.

Public schools
10
2024-25 school year
Students per teacher
11.1
across all schools here
Math proficiency
16.5%
Bottom 14% in New York
Reading proficiency
42.2%
Bottom 23% in New York
SchoolDistrictStudentsPer teacherMathReading
MIDDLETOWN HIGH SCHOOLMIDDLETOWN CITY SCHOOL DISTRICT2,49512.8
PRESIDENTIAL PARK ELEMENTARY SCHOOLMIDDLETOWN CITY SCHOOL DISTRICT1,22510.021%36%
MINISINK VALLEY HIGH SCHOOLMINISINK VALLEY CENTRAL SCHOOL DISTRICT1,11612.3
MAPLE HILL ELEMENTARY SCHOOLMIDDLETOWN CITY SCHOOL DISTRICT1,0648.931%40%
MONHAGEN MIDDLE SCHOOLMIDDLETOWN CITY SCHOOL DISTRICT82610.65%32%
MIDDLETOWN TWIN TOWERS MIDDLE SCHOOLMIDDLETOWN CITY SCHOOL DISTRICT82010.55%55%
MINISINK VALLEY MIDDLE SCHOOLMINISINK VALLEY CENTRAL SCHOOL DISTRICT80610.65%55%
WILLIAM A CARTER SCHOOLMIDDLETOWN CITY SCHOOL DISTRICT74611.715%30%
MINISINK VALLEY INTERMEDIATE SCHOOLMINISINK VALLEY CENTRAL SCHOOL DISTRICT50912.434%57%
MINISINK VALLEY ELEMENTARY SCHOOLMINISINK VALLEY CENTRAL SCHOOL DISTRICT45411.6

61.1% of students here are eligible for free or reduced-price lunch. That describes the circumstances families arrive with rather than how the schools perform, which is why AreaProfile shows it and does not score it.

Public schools only, from the NCES Common Core of Data. Schools are placed by ZIP code, so this is which schools are in this place rather than which one a particular address is zoned for — district boundaries do not follow municipal ones, and enrollment zones change. Fully virtual schools are excluded: they enroll students from across the state while reporting one administrative address, and counting them here would describe a school population this place does not have. The assessment covers grades 3 through 8, so a high school shows no proficiency figure — a dash in those columns means the test was not given at that school, not that it performed badly. Proficiency is measured against New York’s own standard, so it compares cleanly within the state and only broadly against other states; AreaProfile therefore ranks it within state. The directory is current, while the proficiency figures are from the last school year with national coverage before the pandemic interrupted testing.

Housing & affordability

How it’s calculated →

Prices for everything a household buys run about 10% above the national average, on the Bureau of Economic Analysis index. Housing drives most of that difference.

Median rent of $1,673 takes 23% of median household income, below the 30% threshold at which a household is considered cost-burdened.

A median home costs 3.9 times median household income here, above the historic benchmark of about three times income.

Cost of living
109.7

Prices here run about 10% above the national average. The spread between places is driven mostly by housing — goods vary far less — and this excludes taxes.

Rent as a share of income
23.1%
Below the 30% cost-burdened threshold
Home price to income
3.9×
median home value ÷ median income
Median gross rent
$1,673
2024 ACS 5-Year
Median home value
$336,500
2024 ACS 5-Year
MetricValueCompared nationallySource period
Cost of living index109.7Top 20%of 6,0712023
Home price to income3.86Top 31%of 30,4042024 ACS 5-Year
Homeownership rate61.6%Bottom 18%of 32,9102024 ACS 5-Year
Housing units ±84019,670Top 4%of 33,7722024 ACS 5-Year
Median gross rent ±$96$1,673Top 16%of 26,6182024 ACS 5-Year
Median home value ±$9,043$336,500Top 28%of 30,9412024 ACS 5-Year
Rent as a share of income23.1%Top 21%of 26,4702024 ACS 5-Year
Vacancy rate5.3%Bottom 24%of 33,0282024 ACS 5-Year

Both affordability measures come from the same ACS release as the income they are compared with, so the comparison is like for like. They describe housing cost against local earnings and are not a cost-of-living index — transport, groceries, healthcare, insurance and taxes are not included, and a place can look affordable here and still be expensive to live in for reasons this does not capture.

Growth & development

How it’s calculated →
Development Momentum
33/ 100
Ranks 4206 of 5,428 published city profiles

An AreaProfile calculation combining permit volume per resident, its direction over one and three years, population change and employment growth. Permit volume alone is not the measure.

New construction is predominantly single-family: only 0% of permitted units are in buildings of five or more homes.

At 0.6 permitted units per 1,000 residents, building activity is below the median for measured US ZIP areas.

Units permitted
17
12 months ending July 2026
Per 1,000 residents
0.6
Bottom 17% nationally
Year over year
+89%
vs the prior twelve months
Multifamily share
0.0%
units in 5+ unit buildings

The Building Permits Survey is not published for ZIP areas. This is the figure for Middletown, NY, the city containing this ZIP code.

Weather & climate

5 of the twelve months have a normal average temperature between 55°F and 80°F. July averages a high of 84°F and January a low of 17°F.

Normal annual precipitation is 41.0 inches.

Air quality measures a median index of 28, in the Good band, and no day in the year passed 100.

10°30°50°70°90°JFMAMJJASOND
Solid line: normal daily high. Dashed line: normal daily low. 1991-2020 normals from NOAA station MONTGOMERY ORANGE AP, 11.9 miles from this location.
Precipitation
JFMAMJJASOND4.4"
Normal monthly precipitation, in inches.
MetricValueSource period
90th percentile air quality index53.02024 calendar year
Annual precipitation41.0"1991-2020 Normals
Average January low17°F1991-2020 Normals
Average July high84°F1991-2020 Normals
Comfortable months51991-2020 Normals
Days above AQI 10002024 calendar year
Median air quality index28.02024 calendar year
Seasonal temperature swing46°F1991-2020 Normals
Air quality
Median air quality index
28
Good on a typical day
Worst tenth of days
53
90th percentile index
Days above 100
0
unhealthy for sensitive groups

A comfortable median and a bad tail are different problems. Wildfire smoke and summer ozone show up in the worst tenth of days, not in the middle of the year.

Climate figures are thirty-year normals, not current conditions. They describe what a typical year looks like rather than what the weather is doing today. Air quality is measured rather than modelled, by EPA monitors, and published by county only where a monitor sits — roughly half the counties AreaProfile publishes have one, and the rest show nothing rather than an estimate. Air masses are regional, so a county reading describes the air over a place reasonably well, but it is still the county reading.

Physical risk

74 / 100
Physical resilience

The hazards accounting for most of this area's expected annual loss are hurricane, earthquake and heat wave.

LandslideModerate
HurricaneElevated
EarthquakeModerate
Heat waveModerate

Low or minimal exposure: strong wind, inland flooding, winter weather, cold wave, lightning, tornado, ice storm, drought, wildfire, avalanche, coastal flooding, hail.

Hazard ratings are AreaProfile calculations derived from the FEMA National Risk Index v1.20.0 (December 2025). FEMA publishes at county level. ZIP values are the land-area-weighted mean of the counties the ZIP Code Tabulation Area intersects. Expected annual loss is not allocated below county level. FEMA does not endorse this presentation. Higher physical resilience means lower exposure.

These are deaths, not offences — they say nothing about burglary, theft or assault.

Orange County records 1.9 homicide deaths per 100,000 residents a year, lower than most counties measured. The CDC does not publish this below county level.

Firearm deaths of all intents run at 4.7 per 100,000 — more than the homicide rate, because nationally most firearm deaths are suicides.

Drug overdose deaths run at 12.8 per 100,000 residents in Orange County.

Homicide
1.9
per 100,000 residents · under 10 deaths
Firearm deaths, all intents
4.7
per 100,000 residents · under 10 deaths
Drug overdose
12.8
per 100,000 residents · under 10 deaths
Suicide
8.3
per 100,000 residents · under 10 deaths

Firearm deaths count every intent together, and nationally the majority are suicides rather than homicides. The two columns overlap and should not be added.

Age-adjusted rates from provisional death certificate records, published by the CDC for Orange County as a whole — these rates are not published below county level. A county can hold both a dense city centre and a suburb whose experience of it is nothing alike, so this describes the county around 10940 rather than 10940 itself. That is why AreaProfile shows these figures and does not put them in the Area Score. Where fewer than ten deaths were recorded the count is suppressed at source, and a rate built on single figures moves sharply between releases. What this measure has that reported crime does not: a death certificate is filed whether or not the local police agency submitted a return that year, so the figures stay comparable between places and over time.

What this profile does not cover

Three things people look for are missing from every AreaProfile page, and each is missing for a reason rather than by oversight. The Area Score is calculated without them and the weighting is documented on the methodology page.

Reported crime
Offences reported to police are published by department rather than by town, and only where a department reported every month of the year. No municipal department reports for this place — many smaller communities are policed by the county — so there is no figure to show. A partial year is never scaled up to look complete, and arrest counts or news volume are never substituted for it.
Taxes
Taxes are not published: no source covers them nationally with a method open enough to check. Cost of living now is — the index above is the Bureau of Economic Analysis price parity for this area — but it is a price level for all consumption rather than a budget for a household, its spread is driven mostly by housing, and it excludes taxes. Housing affordability is computed separately from rent, price and income, because that answers a narrower and more actionable question. Nothing here is individualised tax advice.
Anything about a specific address
Every figure describes an area, not a street or a house. School attendance zones, insurance pricing and the character of a neighbourhood all vary within the places measured here.

Access

5 major airports lie within 100 miles, the nearest 20 miles away.

AirportCodeDistanceLongest runway
New York Stewart IntlSWF20 mi11,817 ft
Newark Liberty IntlEWR55 mi9,999 ft
John F Kennedy IntlJFK67 mi14,511 ft

Airport identity, position and runway data come from the FAA. “Major airport” is an AreaProfile classification — a public-use civil airport with a paved runway of at least 8,000 feet — not an FAA hub designation. Distances are straight-line, not driving distance.

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Area Score
57
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Data & methodology

Used forSourceSource periodUpdated
AccessFederal Aviation Administration
Airports (NASR) — Aeronautical Data Delivery Service
NASR current cycle28-day NASR cycle
Physical riskFederal Emergency Management Agency
National Risk Index
National Risk Index December 2025 (v1.20.0)Periodic dataset versions (v1.20.0 current)
ClimateNOAA National Centers for Environmental Information
U.S. Climate Normals 1991–2020 (Monthly)
1991-2020 NormalsEvery ten years (next release follows the 2001–2030 period)
HousingU.S. Bureau of Economic Analysis
Regional price parities and county personal income
2023Annually, each December
JobsU.S. Bureau of Labor Statistics
Local Area Unemployment Statistics
June 2026Monthly
JobsU.S. Bureau of Labor Statistics
Occupational Employment and Wage Statistics
2025 OEWSAnnual (spring release)
DemographicsU.S. Census Bureau
Population Estimates Program
July 1, 2024 estimateAnnual (vintage released each spring)
Demographics, Housing, Income, JobsU.S. Census Bureau
American Community Survey 5-Year Estimates (Table-Based Summary File)
2024 ACS 5-YearAnnual (5-year estimates released each December)
DevelopmentU.S. Census Bureau
Building Permits Survey
12 months ending July 2026Monthly, roughly three weeks after the reference month
safetyU.S. Centers for Disease Control and Prevention, National Center for Health Statistics
Provisional county-level mortality by intent
April, 2025 to March, 2026Quarterly, with a rolling twelve-month window alongside complete calendar years
schoolsU.S. Department of Education, National Center for Education Statistics
Common Core of Data and EDFacts assessments
2019-20 school year; 2024-25 school yearDirectory annually; assessment results as EDFacts releases them
ClimateU.S. Environmental Protection Agency, Air Quality System
Daily Air Quality Index by county
2024 calendar yearAnnually, once a calendar year is complete

Profile recalculated August 30, 2026. Recalculation is not the same as new source data — each figure above shows the period its source actually covers. Read the full methodology or browse every source.

10940 vs Middletown

How this ZIP area compares with Middletown as a whole. Both figures come from the same ACS release, so the comparison is like for like.

10940
Middletown
Median household income
$87,080
vs
$79,346
Per capita income
$37,711
vs
$32,965
Population density
849/sq mi
vs
5,708/sq mi
Median home value
$336,500
vs
$308,600
Median gross rent
$1,673
vs
$1,661
Homeownership rate
61.6%
vs
51.7%
Bachelor's degree or higher
23.6%
vs
20.1%
Poverty rate
12.5%
vs
13.6%
Median age
38.1
vs
36.3

Some demographic statistics use Census ZIP Code Tabulation Areas, which approximate but do not exactly match USPS ZIP delivery geography. See the methodology for how AreaProfile maps between them.