States · New York · Westchester County

Cross River, New York.

. New York-Newark-Jersey City, NY-NJ-PA metro.

What it costs per month · Cross River $2,755/mo

to buy the typical home at today's mortgage rate — +$1,478 (+116%) since Jan 2020.

Monthly payment to buy the typical home

Home value × that month's 30-year mortgage rate, 20% down, principal and interest. This is the line households feel: prices and rates compound each other.

$500 $1,000 $1,500 $2,000 $2,500 2002 2006 2010 2014 2018 2022 2026 New York $2,755 United States $1,922
$500 $1,000 $1,500 $2,000 $2,500 2002 2010 2018 2026
  • New York$2,755
  • United States$1,922

Living in Cross River, Westchester County, New York

The Census does not count Cross River on its own, so the figures here are Westchester County's. Half the county's households earn more than $118,976 a year and half less; 9% of the county's people live below the poverty line. 62% of the county's homes are lived in by their owners and 38% are rented. Unemployment in Westchester County was 4.0% in August 2026, and the county had 0.8% more jobs in 2025 than the year before. The most people in Westchester County work in schools and health care, then professional services.

People 1,000,000 about, in Westchester County: the Census does not count Cross River on its own
Household income $118,976 the median in Westchester County, give or take $2,567
Unemployment 4.0% Westchester County, August 2026; 3.9% a year before
Homes 62% lived in by their owners; 38% rented

Written by AI Claude Haiku 5.5 wrote this on 22 October 2026 from the figures here, a list of nearby places and what it knows. It can be wrong or out of date.

What it’s like

The place. Cross River is a town in Westchester County, New York, in the lower Hudson Valley. Across the county, most homes are lived in by their owners, and many adults hold a college degree. Winters are cold, with January the coldest month, summers are warm, and rain and melted snow fall steadily through the year.

Work. Many residents work in schools, hospitals and social care, in professional and business services, or in banks, insurance and property, and some work in shops. Across Westchester County, jobs grew slightly last year and unemployment remains modest. A sizable share of residents work from home, and typical commutes run longer than the national norm.

Things to do. The United States Military Academy, a museum a longer drive away, is the best known of the nearby places. Closer by, the Glass House is a museum a short drive away. Cross River Reservoir is a reservoir in or beside town.

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  • 372,883households
  • 41.8median age
  • 53%of adults have a degree
  • 9%below the poverty line
  • 35 mintypical commute
  • 19%work from home

What people in Westchester County work in

  • Schools, hospitals and social care30%
  • Professional and business services16%
  • Banks, insurance and property10%
  • Shops (retail)8%
  • Restaurants, hotels and entertainment7%
  • Building trades6%

Employed residents by industry, from the Census survey. Westchester County had 433,070 jobs in 2025, 0.8% more than the year before (Bureau of Labor Statistics).

Weather through the year

Average daily high and low for each month: coldest in January, 36° and 18°; warmest in July, 82° and 62° 20° 40° 60° 80° J 36° 18° F M A M J J 82° 62° A S O N D
Average daily high and low for each month: coldest in January, 36° and 18°; warmest in July, 82° and 62° 20° 40° 60° 80° J 36° 18° F M A M J J 82° 62° A S O N D

Coldest in January, with highs near 36° and lows near 18°; warmest in July, with highs near 82° and lows near 62°. About 48 inches of rain and melted snow a year.

Average daily high and low, 1991–2020, at the Danbury Municipal Airport weather station, 9 miles away (NOAA).

Largest workplaces in Westchester County

  1. Westchester Medical CenterGeneral hospital4,340FTE
  2. Yonkers City School DistrictSchool district3,450FTE
  3. PepsiCoOffice administrative services3,117
  4. White Plains HospitalGeneral hospital2,984FTE
  5. A&A MaintenanceJanitorial services2,750
  6. St. Johns Riverside HospitalGeneral hospital1,819FTE
  7. Phelps Memorial Hospital CenterGeneral hospital1,796FTE
  8. Northern Westchester HospitalGeneral hospital1,720FTE

Staff on average in 2025, as each workplace reported it to OSHA with its injury records: 483 workplaces with 20 or more staff, 79,918 people in all. Hospitals come from their Medicare cost reports (CMS, 2023) and school districts from the Common Core of Data (NCES, 2023–24); FTE marks full-time equivalent staff. Not listed: many offices and banks, which need not report to OSHA; military bases, whose staff OPM withholds; and, in about half the states, city and county governments.

Natural hazards

  1. Strong windVery high
  2. Winter weatherVery high
  3. LightningVery high
  4. Inland floodingRelatively high
  5. Cold wavesRelatively high
  6. HurricanesRelatively high

FEMA’s National Risk Index (December 2025) rates the risk each natural hazard poses to the people, buildings and farms across Westchester County, against the rest of the country; all of them together, relatively high. It is meant for planning, not a substitute for a local risk assessment or a flood map: FEMA’s index.

From the U.S. Census Bureau’s 2020 census and its American Community Survey (2020–2024 five-year estimates), and the Bureau of Labor Statistics. A survey, so each figure has a margin of error, and figures it is not sure of are left out. More on Westchester County and the New York-Newark-Jersey City, NY-NJ-PA metro.

Cross River home values

Zillow measures a city over its municipal boundary. Against the state and national figures, mid-tier homes, smoothed and seasonally adjusted.

Not enough data to draw this yet.

Market heat, inside the city limits

Homes for sale

Active for-sale inventory. More supply hands power to buyers.

5 6 6 2026 Cross River 6
5 6 6 2026
  • Cross River6

Zip codes with a Cross River address

A different geography, not a breakdown. The figure above covers the municipality; these zips cover everywhere the Post Office calls Cross River — often including townships beyond the city limits. Both come straight from Zillow, and they are not expected to average out.

Zillow publishes no zip-level series with this city on the address.