You’re driving up the Saw Mill River Parkway, the trees start getting a bit denser, and suddenly you hit this pocket of Westchester that feels… different. It’s not the sleepy, sprawling estates of Bedford (though they share a border) and it’s not the high-octane buzz of White Plains. It’s Mount Kisco. Specifically, it’s the 10549 zip code.
Most people searching for a zip code for Mt Kisco NY just want to know where to send a package or what to put into their GPS. It’s 10549. There, I saved you a scroll. But honestly, if you live here or you’re thinking about moving here, that five-digit number carries a lot more weight than just mail routing.
10549 is a bit of a demographic unicorn. It covers about three square miles of the village/town itself, but the reach extends into parts of Bedford and New Castle. It’s a place where you’ll find a $250,000 co-op just a few blocks away from a $2 million Victorian on Captain Merritt’s Hill.
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The Logistics: More Than Just 10549
Kinda funny thing about Mount Kisco: it’s both a town and a village. Since 1978, it’s been its own independent "coterminous" entity. Before that, it was split between Bedford and New Castle. That history matters because it explains why the zip code for Mt Kisco NY feels so integrated with its neighbors.
If you’re looking at a map, the 10549 area is the commercial heartbeat of Northern Westchester. While nearby towns are strictly residential, "The Kisco" is where everyone goes to actually get stuff done.
- Location: 43 miles north of Manhattan.
- County: Westchester.
- The Vibe: Urban-suburban mashup.
- Commute: About 50-60 minutes to Grand Central via Metro-North.
Wait, let’s talk about that commute for a second. The Mount Kisco station is right in the middle of the village. You can literally grab a latte at a local spot, walk 30 seconds, and be on the platform. For a lot of people in the 10549 zip code, that’s the "holy grail" of suburban living.
What the Data Actually Says (The 2026 Reality)
Real estate in 10549 is, well, intense. As of early 2026, we’re seeing median sale prices for single-family homes hovering around $880,000 to $990,000 depending on which data set you trust more—Redfin or Zillow. But that doesn’t tell the whole story.
You’ve got a huge range here.
In January 2026, a 5-bedroom on Hillside Avenue went for nearly a million dollars (way over list price, by the way), while a 2-bedroom co-op on Barker Avenue sold for around $250,000. That diversity is rare for this part of the county. Most of Northern Westchester is gated off by high price points, but Mount Kisco keeps a door open for different income levels.
The population is roughly 10,700 people. It’s dense for the area—about 3,500 people per square mile. Compare that to some of the "horse country" neighbors where you might not see a neighbor for half a mile, and you realize why 10549 feels so alive.
Why 10549 is the "Shopping Capital"
People call Mount Kisco the "shopping capital of Northern Westchester" and they aren’t kidding. If you live in 10549, you don't need a mall.
You have the heavy hitters like Target and Kohl’s over on 117, but then you have the downtown boutiques. Places like The Hamlet—this incredible British goods shop—or Mt. Kisco Seafood which is basically a local legend.
The dining scene is probably the biggest draw for people outside the zip code for Mt Kisco NY. You want authentic Oaxacan food? You got it. High-end Italian? It’s there. A quick bagel before the train? Bagel Toppings or Mount Kisco Bagel have you covered. It’s a walkable ecosystem that most suburbs just can’t replicate.
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Is there actually a "Mount" Kisco?
Here’s a fun piece of trivia for your next dinner party: there is no "Mount" Kisco.
Technically, the name comes from a 623-foot hill nearby and the Native American word "cisqua," which basically means "muddy place" or "settlement near a brook." Not exactly the peak of the Alps. And that statue of Chief Kisco you see at the junction of 117 and 133? Historians basically agree he’s a fictional character.
But hey, it makes for a great landmark.
Living in 10549: The Pros and Cons
Nothing is perfect. If you’re looking at the zip code for Mt Kisco NY, you should know the trade-offs.
The Good Stuff:
- Healthcare: Northern Westchester Hospital is right there. It’s one of the best in the state.
- Parks: Leonard Park is 120 acres of pure gold. Disc golf, pools, tennis—it’s the backyard every local shares.
- Schools: Most of the 10549 area falls into the Bedford Central School District. You’re getting a top-tier education (Fox Lane High School) without necessarily paying the Bedford property tax rates.
The Not-So-Good Stuff:
- Traffic: Route 117 can be a nightmare on Saturday afternoons. Everyone from five different towns is trying to get to the same three stores.
- Flood Risk: About 17% of properties in the area have a significant flood risk. If you’re buying near the brook, check those elevations twice.
- Competition: Homes move fast. We’re talking 28 to 35 days on market. If you like a house on Friday, it’s probably gone by Monday.
Actionable Steps for 10549 Newcomers
If you’re serious about moving into or doing business in the zip code for Mt Kisco NY, don't just wing it.
First, get your "Village" vs "Town" taxes straight. Because Mount Kisco is its own town/village, the tax structure is different than if you were in a village within a larger town. Check the latest rolls at Village Hall on Main Street.
Second, if you’re commuting, go to the police department or the village website to handle your parking permit immediately. The waitlists for the municipal lots near the station can be a thing, and you don't want to be hunting for a spot at 6:45 AM.
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Third, explore the "Hill." Captain Merritt’s Hill is the historic soul of the town. Even if you aren't buying a $1.5 million Victorian, walking those streets gives you a sense of why people have stayed in this zip code for generations.
Finally, check the flood maps. With 2026 weather patterns being what they are, knowing exactly where the "cisqua" (muddy place) is located will save you a lot of headache during a Nor'easter.
The 10549 zip code isn't just a place to park your mail. It’s a dense, weird, vibrant, and incredibly convenient slice of Westchester that somehow manages to feel like a real community in an age of strip malls and isolation.
To get started with your move or research, visit the Mount Kisco Village Hall website for the most recent property tax assessments and parking permit applications. If you're house hunting, focus your search on neighborhoods like Captain Merritt's Hill for historic charm or Mount Kisco Chase for more modern builds, but always verify the specific school district boundaries as they can occasionally vary at the edges of the zip code.