Best Places10940, NY Best Neighborhoods
2026–2027 edition · Data updated July 2026
Every neighborhood inside ZIP code 10940, scored on 40 measures of daily life and ranked to fit what matters to you. This page is for people who live here or already know they want to. To work out which city fits you best, start with the best places to live tool.
10940 ranks 13,780th of 33,110 U.S. zip codes on the BestNeighborhood index. It scores highest on big-city access by a wide margin, and property taxes are the weak spot.
The best neighborhoods in 10940
BestNeighborhood is the only ranking that scores 40 measures of daily life neighborhood by neighborhood and lets you re-weight every one of them yourself.
10940's strengths and weaknesses
Where 10940 ranks high
- Big-city accessBetter than 93% of zip codes
- Air qualityBetter than 89% of zip codes
- Internet speedBetter than 89% of zip codes
- WalkabilityBetter than 88% of zip codes
- Disaster safetyBetter than 86% of zip codes
Where 10940 ranks low
- Low property taxBetter than only 4% of zip codes
- Housing crash safetyBetter than only 5% of zip codes
- Cheap car insuranceBetter than only 7% of zip codes
- Short commute35.0 minutes each way, better than only 11% of zip codes
- Cheap childcare$1,307 a month, better than only 15% of zip codes
What it costs to buy a home in 10940
A household needs to earn about $114,000 a year to comfortably buy the median 10940 home, at 20% down and today's 30-year rate. That runs well above the area's median income of $87,453, so buying stretches a typical household.
Where the monthly payment goes
Assumes a 20% down payment, a 6.6% 30-year fixed rate, and a 28% share of income going to the payment. The rate is the 2026-07-23 30-year fixed average, series MORTGAGE30US from the St. Louis Fed, which publishes Freddie Mac's weekly survey. Against the median home value, property tax uses 10940's effective rate of 1.95%, and insurance is estimated at 0.4% of home value a year.
Renting versus buying
At today's prices and rents, renting stays cheaper than buying across the first 10 years here, so the case for buying rests on staying much longer or on prices rising faster than assumed. The chart tracks the running cost of each.
Who lives in 10940
10940's age mix sits close to the national median, and households here run larger than average.
Residents by age
Racial and ethnic makeup has its own map. See the race and diversity map for 10940.
Who works in 10940, and how
Work in 10940 centers on health care & social and retail trade. Unemployment is close to the national rate, and the job base is shrinking.
Largest industries
How people get to work
- Drive or carpool 85%
- Work from home 8%
- Transit, walk, or bike 8%
Life in 10940
10940 has more restaurants and bars per resident than 74% of zip codes and more parkland per resident than 87% of zip codes. Dining, parks, and nightlife concentrates in some parts of 10940 and thins out in others, which the map shows.
What the weather is like in 10940, month by month
10940 sees roughly 68 pleasant days a year. July highs average about 87 degrees. January highs sit near 39, with lows near 19. The comfortable stretch runs May through September.
Show the monthly temperatures
| Month | Avg high | Avg | Avg low |
|---|---|---|---|
| January | 39° | 29° | 19° |
| April | 63° | 49° | 36° |
| July | 87° | 74° | 61° |
| October | 67° | 53° | 41° |
Flying in and out of 10940
The nearest airport, New York Stewart International, is about 17 miles away and is a small airport. The nearest major hub is Newark Liberty International, about 54 miles away.
The best schools in and around 10940
Schools across 10940 average a B, better than 76% of zip codes.
Top elementary schools
- Otisville Elementary SchoolA− · 60% proficient
- Emma C Chase SchoolA− · 60% proficient
- Minisink Valley Intermediate SchoolA− · 59% proficient
Top middle schools
- Minisink Valley Middle SchoolC · 33% proficient
- C J Hooker Middle SchoolC− · 29% proficient
- Middletown Twin Towers Middle SchoolD · 20% proficient
Top high schools
- Goshen Central High SchoolA+ · 95% proficient
- Minisink Valley High SchoolA+ · 94% proficient
- Middletown High SchoolA+ · 91% proficient
Grades come from K-12 test scores, with scores projected for schools missing data. See every 10940 school and its grade on SchoolGrade.
10940 measure by measure
Cards are ordered by how much each measure matters to you, so the ones you weighted highest come first. Expand to see every measure. Percentages compare 10940 against the other 33,109 zip codes.
Who 10940 suits
Remote workers
Internet is fast and widely advertised and 8% already work from home.
Retirees
Set weather, quiet, and health care weights on the map to test the fit.
Common questions about living in 10940
Is 10940 a good place to live?
Using BestNeighborhood's default rankings, 10940 ranks 13,780th of 33,110 zip codes. It scores highest on big-city access, clean air, and fast internet, and lowest on property taxes and an overheated housing market. How good it is for you depends on which of those you weight most, which the map lets you set.
Is 10940 expensive to live in?
The median home is worth $377,924. The overall cost of living runs about 10% above the national average. Set against a $87,453 median income, cost of living beats 41% of zip codes.
Is 10940 safe?
Yes, 10940 is safer than 60% of zip codes. Safety varies a lot by neighborhood. Crime costs an estimated $320 per resident a year.
What is the weather like in 10940?
July highs average about 87 degrees, and January highs near 39 with lows near 19. That works out to about 68 pleasant days a year, more than 20% of zip codes.
Is 10940 good for families?
Schools beat 76% of zip codes, crime safety beats 60%, and childcare runs $1,307 a month.
Compare 10940 with other zip codes
Sources and methodology
Every measure on this page is scored for each neighborhood, then rolled up to 10940. Scores are absolute rather than ranked, which means a 60 in 10940 represents the same real quantity as a 60 anywhere else, and the ranking is a weighted average of those absolutes. The map colors come from a national scale calibrated against a population weighted random sample of 5,000 neighborhoods. That absolute scoring is what no other places-to-live ranking does: it puts a single neighborhood, a town, a metro, and a state on one scale, so the same 40 measures answer both which metro to move to and which street inside it to buy on. Read the full methodology.
10940 detail on BestNeighborhood maps:
- Walk Grade for 10940: walkability, transit, and biking, measured on the real street network rather than by straight line distance.
- Noise in 10940: road, rail, and aviation sound modeling calibrated against federal ground truth measurements.
- Conservative vs liberal map of 10940: precinct level election results apportioned to neighborhoods.
- Mobile and cell coverage in 10940: carrier by carrier coverage behind the cell score.
10940 detail on related sites:
- CrimeGrade: neighborhood crime rates behind the crime safety score.
- ISPreports.org: provider by provider internet availability and advertised speeds.
- CoverageWatch: the car insurance premiums behind the cheap car insurance score.
Federal and public data:
- U.S. Census Bureau American Community Survey: income, home value, rent, vacancy, commute time and mode, educational attainment, home age, age structure, household type, industry, and race.
- NOAA Global Surface Summary of the Day: the daily station record behind the monthly temperatures and the pleasant-day count.
- FAA Passenger Boarding Data: airport size and annual passenger counts.
- Freddie Mac Primary Mortgage Market Survey: the 30-year fixed rate used in the cost-to-buy estimate.
- FBI Crime Data Explorer: reported offenses behind the tangible crime cost estimate.
- U.S. EPA Air Quality System: five year average air quality index.
- FEMA National Risk Index: expected annual loss from natural hazards.
- CDC PLACES: disease burden, preventable risk, and barriers to care.
- National Center for Education Statistics: school enrollment and assessment inputs behind the school grade.
- FCC National Broadband Map: internet and wireless availability.
- U.S. Bureau of Labor Statistics: employment and job growth behind the local economy score.
- Religious activity uses a proprietary religious signal measurement.
Your priorities
Move a slider to say how much a measure matters. Zero turns it off.