Census tract · Westchester County
Census Tract 123.03, Westchester County, New York
Census Tract 123.03, GEOID 36119012303, in Westchester County, New York, entirely within North Castle (town). 5,011 residents in the ACS 2020-2024 5-year estimates (±379); the 2020 Census counted 5,114.
Residents, 2020-2024
5,011
±379 (90% margin)
2020 Census count: 5,114
Median household income
$227,578
±$27,258 (90% margin)
Westchester County: $118,976
Median home value
$1,100,700
±$117,779 (90% margin)
Westchester County: $663,200
Median gross rent
$3,082
±$1,700 (90% margin)
Westchester County: $1,951
Where is Census Tract 123.03?
Census Tract 123.03 is one of 241 census tracts in Westchester County, New York. It covers 10.23 square miles of land, 500 residents per square mile in 2020. Its GEOID, 36119012303, names it uniquely (how tract numbers and GEOIDs work).
| Place | Share of the tract |
|---|---|
| North Castle (town) | 100% |
| Armonk | 61% |
7 census tracts border Census Tract 123.03: Tract 83.02 ($250,000 or more), Tract 86.02 ($250,000 or more), Tract 121.01 ($227,727), Tract 123.01 ($85,900), Tract 123.04 ($250,000 or more), Tract 127 ($250,000 or more) and Tract 131.02 ($250,000 or more). The figure in brackets is each tract's median household income.
Whether a tract counts as low- or moderate-income for bank lending (the Community Reinvestment Act) is set by the FFIEC against its metro area's family income: look it up in the FFIEC census geocoder.
Source: 2024 Gazetteer and 2020 block assignment files, U.S. Census Bureau · Census reference files
How many people live in Census Tract 123.03?
The 2020-2024 American Community Survey puts Census Tract 123.03's population at 5,011 (±379) in 1,611 households; the 2020 Census counted 5,114 residents and 1,794 housing units.
| Measure | Tract 123.03 | North Castle (town) |
|---|---|---|
| Total population | 5,011 ±379 | 12,228 |
| Households | 1,611 ±131 | 4,121 |
| Average household size | 3.05 ±0.19 | 2.94 |
| Housing units | 1,675 ±125 | 4,402 |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026); 2020 Census P.L. 94-171 · Check it at data.census.gov
Who lives in Census Tract 123.03?
The median resident of Census Tract 123.03 is 42.8 years old; 26.0% are under 18 and 16.3% are 65 or older. The largest group is non-Hispanic white residents at 65.2%, then Hispanic or Latino residents (of any race) at 18.1%. 16.9% of residents were born outside the United States.
| Measure | Tract 123.03 | North Castle (town) |
|---|---|---|
| Median age | 42.8 ±2.6 | 42.2 |
| Under 18 years | 26.0% ±2.5 pts | 26.1% |
| 65 years and over | 16.3% ±2.7 pts | 15.8% |
| Hispanic or Latino (any race) | 18.1% ±8.4 pts | 16.4% |
| White alone, not Hispanic | 65.2% ±7.2 pts | 69.7% |
| Black or African American alone, not Hispanic | 2.9% ±2.6 pts | 2.9% |
| Asian alone, not Hispanic | 7.3% ±2.0 pts | 5.9% |
| American Indian and Alaska Native alone, not Hispanic | 0.0% ±0.8 pts | 0.0% |
| Native Hawaiian and Other Pacific Islander alone, not Hispanic | 0.0% ±0.8 pts | 0.0% |
| Two or more races, not Hispanic | 3.5% ±2.5 pts | 3.4% |
| Some other race alone, not Hispanic | 3.0% ±2.6 pts | 1.8% |
| Born outside the United States | 16.9% ±4.1 pts | 18.3% |
| Speak a language other than English at home (age 5+) | 25.7% ±6.8 pts | 26.9% |
| Civilian veterans (age 18+) | 1.9% ±1.0 pts | 1.6% |
| With a disability | 6.6% ±2.3 pts | 6.3% |
| No health insurance coverage | 0.5% ±0.6 pts | 1.5% |
| High school graduate or higher (age 25+) | 96.9% ±2.0 pts | 94.5% |
| Bachelor's degree or higher (age 25+) | 77.2% ±7.1 pts | 75.1% |
| Graduate or professional degree (age 25+) | 35.6% ±5.9 pts | 37.2% |
| Lived in the same house a year earlier | 89.1% ±4.5 pts | 91.8% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profiles DP02, DP05) · Check it at data.census.gov
What do households in Census Tract 123.03 earn?
Half of the 1,611 households in Census Tract 123.03 earn less than $227,578 a year (±$27,258), against $118,976 across Westchester County: 33rd highest of the county's 228 tracts with a reliable estimate. 6.8% of residents live below the poverty line.
| Measure | Tract 123.03 | North Castle (town) |
|---|---|---|
| Median household income | $227,578 ±$27,258 | $208,156 |
| Mean household income | $329,712 ±$43,741 | $320,056 |
| Per capita income | $107,898 ±$14,628 | $109,769 |
| People below the poverty line | 6.8% ±4.2 pts | 3.8% |
| Children under 18 below the poverty line | 10.5% ±7.7 pts | 4.5% |
| Households receiving SNAP | 2.3% ±2.4 pts | 1.9% |
| Households with a computer | 96.3% ±3.9 pts | 98.5% |
| Households with a broadband subscription | 95.8% ±3.9 pts | 98.1% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
What does housing cost in Census Tract 123.03?
Owners occupy 88.0% of Census Tract 123.03's occupied homes and renters 12.0%. The median owner-occupied home is valued at $1,100,700 by its owner (±$117,779). The median renter pays $3,082 a month including utilities.
| Measure | Tract 123.03 | North Castle (town) |
|---|---|---|
| Median home value (owner-occupied) | $1,100,700 ±$117,779 | $1,088,500 |
| Median gross rent | $3,082 ±$1,700 | $2,268 |
| Renters paying 35% or more of income on rent | 24.3% ±25.4 pts | 41.1% |
| Median monthly owner costs, with a mortgage | $4,000 or more | $4,000 or more |
| Owner-occupied homes | 88.0% ±6.7 pts | 85.7% |
| Renter-occupied homes | 12.0% ±6.7 pts | 14.3% |
| Housing units | 1,675 ±125 | 4,402 |
| Single-family detached homes | 76.2% ±7.3 pts | 82.6% |
| Mobile homes | 0.0% ±2.5 pts | 0.2% |
| Built 2020 or later | 1.4% ±2.0 pts | 1.0% |
| Built 2010 to 2019 | 11.7% ±7.4 pts | 6.1% |
| Built 1939 or earlier | 9.5% ±4.9 pts | 12.3% |
| Households with no vehicle | 5.6% ±5.1 pts | 2.2% |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP04) · Check it at data.census.gov
How do people in Census Tract 123.03 get to work?
59.9% of Census Tract 123.03's workers drive alone and 24.3% work from home. The average trip to work takes 35.0 minutes.
| Measure | Tract 123.03 | North Castle (town) |
|---|---|---|
| In the labor force (age 16+) | 61.6% ±5.6 pts | 64.4% |
| Unemployment rate | 2.9% ±2.2 pts | 3.1% |
| Drove alone to work | 59.9% ±8.5 pts | 57.9% |
| Carpooled | 2.4% ±2.0 pts | 5.4% |
| Public transportation | 10.6% ±5.2 pts | 14.3% |
| Walked | 2.3% ±2.1 pts | 0.9% |
| Worked from home | 24.3% ±6.8 pts | 21.1% |
| Mean travel time to work | 35.0 min ±4.6 | 37.4 min |
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) (Data Profile DP03) · Check it at data.census.gov
How does Census Tract 123.03 compare with the other tracts in Westchester County?
Among Westchester County's tracts with a reliable estimate, Census Tract 123.03 ranks as shown below (1 = highest).
| Measure | In Westchester County |
|---|---|
| Population | 71st of 240 |
| Residents per square mile | 230th of 241 |
| Median household income | 33rd of 228 |
| Per capita income | 33rd of 238 |
| Median home value | 21st of 221 |
| Median gross rent | 30th of 221 |
| Poverty rate | 80th of 114 |
| Bachelor's degree or higher | 35th of 234 |
| Median age | 100th of 240 |
| Owner-occupied share | 46th of 225 |
The tracts next to it on Westchester County's income ladder
| Tract | Rank | Median household income |
|---|---|---|
| Tract 131.03 | 30th | $241,250±$22,487 · within the margin of this tract |
| Tract 97.03 | 31st | $235,417±$33,700 · within the margin of this tract |
| Tract 121.01 | 32nd | $227,727±$46,148 · within the margin of this tract |
| Tract 123.03 | 33rd | $227,578±$27,258 |
| Tract 70 | 34th | $227,308±$77,757 · within the margin of this tract |
| Tract 126 | 35th | $226,600±$39,922 · within the margin of this tract |
| Tract 21.03 | 36th | $225,521±$73,557 · within the margin of this tract |
"Within the margin": the two incomes differ by less than their combined 90% margins, so the survey cannot say which is higher and the ranks between them are not firm.
Source: PlainCities ranks computed from the American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026) · How ranks are computed
How reliable are the figures for Census Tract 123.03?
1 of the 18 figures for Census Tract 123.03 on this page carries a coefficient of variation over 40% and is marked with a ring: they come from a small sample, so read them as rough.
A census tract's figures rest on a few hundred sampled households over five years, so its margins are wider than a city's. Two tracts differ only when the gap between them is larger than their combined 90% margin (the square root of the sum of the two squared margins). How to read a margin of error.
Source: American Community Survey 2020-2024 5-year estimates, U.S. Census Bureau (released January 2026): margins of error as published · Check it at data.census.gov
How these figures are made: methodology and release checks · reading a margin of error · every state · corrections