White Plains / Croton-on-Hudson
Croton-on-Hudson is about 15 miles from the Census center point for White Plains in a straight line and covers 4.693 square miles of land (Census 2024 Gazetteer internal points and land area, https://www2.census.gov/geo/docs/maps-data/data/gazetteer/2024_Gazetteer/, checked 2026-10-19).
Croton-on-Hudson has 8,202 residents (give or take 22) (ACS 2020-2024 5-year, table B01003, https://data.census.gov/table/ACSDT5Y2024.B01003?g=160XX00US3619213, checked 2026-10-19), about 1,748 people per square mile.
The quote form takes a ZIP code; for Croton-on-Hudson that is 10520 (Census 2020 ZCTA to county subdivision and ZCTA to place relationship files, ZIP areas at least 20% inside the town, https://www2.census.gov/geo/docs/maps-data/data/rel2020/zcta520/tab20_zcta520_cousub20_natl.txt and https://www2.census.gov/geo/docs/maps-data/data/rel2020/zcta520/tab20_zcta520_place20_natl.txt, checked 2026-10-19).
Of the 2,969 occupied homes in Croton-on-Hudson, 55% heat with natural gas, 31% with heating oil, 7% with electricity and 4% with propane (ACS 2020-2024 5-year, table B25040, https://data.census.gov/table/ACSDT5Y2024.B25040?g=160XX00US3619213, checked 2026-10-19).
Croton-on-Hudson has 3 points more oil heat than Westchester County as a whole, where 28% of homes burn oil, and 7 points less electric heat than the county's 14% (ACS 2020-2024 5-year, table B25040, https://data.census.gov/table/ACSDT5Y2024.B25040?g=050XX00US36119, checked 2026-10-19).
Gas leads in Croton-on-Hudson at 55%, but 35% of homes still burn delivered oil or propane, and those 1,039 or so homes are where a heat pump pays back fastest.
The median Croton-on-Hudson home was built in 1957 (ACS 2020-2024 5-year, table B25035, https://data.census.gov/table/ACSDT5Y2024.B25035?g=160XX00US3619213, checked 2026-10-19) and the median home has 6.3 rooms (ACS 2020-2024 5-year, table B25018, https://data.census.gov/table/ACSDT5Y2024.B25018?g=160XX00US3619213, checked 2026-10-19).
Croton-on-Hudson has 3,197 housing units, 30% built before 1940 and 77% before 1980, with 6% built in 2000 or later (ACS 2020-2024 5-year, table B25034, https://data.census.gov/table/ACSDT5Y2024.B25034?g=160XX00US3619213, checked 2026-10-19).
Croton-on-Hudson has 5 points fewer homes built after 2000 than the county's 11% (ACS 2020-2024 5-year, table B25034, https://data.census.gov/table/ACSDT5Y2024.B25034?g=050XX00US36119, checked 2026-10-19).
30% of Croton-on-Hudson homes were built before 1940 and 77% before 1980 (ACS 2020-2024 5-year, table B25034, https://data.census.gov/table/ACSDT5Y2024.B25034?g=160XX00US3619213, checked 2026-10-19), so insulation is the first sizing question: an older home leaks more heat per square foot, and the installer runs a room-by-room heat-loss calculation to size the system for what the walls and windows actually hold in, not just the floor plan.
69% of Croton-on-Hudson homes are single-family detached, 13% are in two- to four-unit buildings and 8% are in buildings of five or more units (ACS 2020-2024 5-year, table B25024, https://data.census.gov/table/ACSDT5Y2024.B25024?g=160XX00US3619213, checked 2026-10-19).
20% of Croton-on-Hudson homes are rented (ACS 2020-2024 5-year, table B25003, https://data.census.gov/table/ACSDT5Y2024.B25003?g=160XX00US3619213, checked 2026-10-19), so beside the 69% detached houses there is a real share of jobs where the landlord, not the resident, signs the quote.
Croton-on-Hudson has 26 points more detached houses than Westchester County overall (43%) and 27 points fewer five-plus-unit buildings than the county's 35% (ACS 2020-2024 5-year, table B25024, https://data.census.gov/table/ACSDT5Y2024.B25024?g=050XX00US36119, checked 2026-10-19).
No electric utility is on file for Croton-on-Hudson on this door yet, so this page does not name one; the name on the bill decides which rebate path applies.
NYS Clean Heat (Con Edison), run by Con Edison, is a live program for New York addresses and lists a standard figure of $7,000 (registry row 5 verified 2026-10-16, https://www.coned.com/en/save-money/rebates-incentives-tax-credits/rebates-incentives-tax-credits-for-residential-customers/electric-heating-and-cooling-technology-for-renters-homeowners/save-on-a-central-air-source-heat-pump, checked 2026-10-16); confirm eligibility for the Croton-on-Hudson address before counting it. With 7% of Croton-on-Hudson homes already on electric heat and 90% on gas, oil or propane, the row that applies depends on the name on the electric bill and the fuel coming out.
Median household income in Croton-on-Hudson is $191,678 (ACS 2020-2024 5-year, table B19013, https://data.census.gov/table/ACSDT5Y2024.B19013?g=160XX00US3619213, checked 2026-10-19); many state and utility heat pump rebate programs set higher incentive tiers for income-qualifying households, so the household income on the application, not the town median, decides which level applies.
Heating design temperature: 6F. Source: ENERGY STAR Design Temperature Limit Reference Guide (2019 Edition), Westchester County row, 99% heating, PDF pages 84 to 86 of 141 (Revised 11/11/2020), https://www.energystar.gov/sites/default/files/Design%20Temperature%20Limit%20Reference%20Guide%20(2019%20Ed)%20-%20ENERGY%20STAR%20Single-Family%20New%20Homes_Rev11.pdf, fetched 2026-10-19, 99%.
That 6F figure is the Westchester County cold-day number a Croton-on-Hudson heat pump is sized against, so ask the installer to show the system's heating output at 6F, not at the milder rating-label temperature.
Ask whether the quote is whole-home or partial-home, because with 55% of Croton-on-Hudson on gas and 7% already electric the two paths carry different rebate figures and different sizing.
Ask for the heat-loss calculation room by room; a Croton-on-Hudson house from before 1940 (30% of the 3,197 units) rarely matches a square-footage rule of thumb.
The form on this page is the follow-up for Croton-on-Hudson. The public number is the number the contractor quotes from.
No local contractor is named on this door for Croton-on-Hudson yet. A request from this page goes to the first licensed shop that takes the door.