Wealthiest Zip Codes In America – Great Place To Find Private Lenders
Posted by Patrick_Riddle
Filed under Private Money Articles
Okay, when people ask us “where do I find private lenders?“… the answer isn’t a clear cut answer like people like to hear. I think most people expect us to say, “Well, here’s a phone number… call them”… or, “Go to this website“.
The thing is, true private lenders don’t advertise themselves as lenders… and there’s no big website or database that these people really aggregate at (except for places like www.prosper.com, but the limit is $25,000).
Anyhow, one of the best places to find private lenders… is to follow where the money is.
And, lucky for us… people have already done the work for us on this one… and here’s a list of the Wealthiest Zip Codes In America that will help you target some areas in your networking and marketing efforts for private money lenders. If you’re not in one of these zip codes, don’t worry about it! There’s plenty of money in your zip code too… it just might not be as plentiful as in the zip codes below (I currently live in the county with the highest unemployment in Oregon… you think it’s a wealthy zip code? Nope. ).
There’s Private Money Looking At You…
Source: All Data From The IRS
Top 100 Wealthiest Zip Codes
| State | City | Zip Code | # of Tax Returns | Gross Income | Return |
| NEW YORK | New York | 10004 | 1,336 | 2,830,671 | $2,118,766 |
| WASHINGTON | Medina | 98039 | 1,514 | 827,810 | $546,770 |
| CALIFORNIA | Los Angeles | 90067 | 3,141 | 1,717,098 | $546,672 |
| CALIFORNIA | Atherton | 94027 | 3,738 | 2,009,863 | $537,684 |
| NEVADA | Incline Village | 89451 | 1,362 | 721,047 | $529,403 |
| CALIFORNIA | Ross | 94957 | 1,215 | 560,537 | $461,347 |
| FLORIDA | Palm Beach | 33480 | 6,564 | 3,003,143 | $457,517 |
| ILLINOIS | Chicago | 60606 | 1,064 | 481,759 | $452,781 |
| CONNECTICUT | Greenwich | 06831 | 7,465 | 3,095,629 | $414,686 |
| CALIFORNIA | San Francisco | 94111 | 2,459 | 1,004,803 | $408,623 |
| NEW JERSEY | Far Hills | 07931 | 1,564 | 627,651 | $401,311 |
| MASSACHUSETTS | 02193 | 3,316 | 1,329,457 | $400,922 | |
| NEW YORK | Old Westbury | 11568 | 1,785 | 711,275 | $398,473 |
| MASSACHUSETTS | Boston | 02110 | 2,111 | 834,299 | $395,215 |
| TEXAS | Dallas | 75201 | 2,364 | 880,012 | $372,255 |
| CALIFORNIA | Rancho Santa Fe | 92067 | 4,912 | 1,827,795 | $372,108 |
| CALIFORNIA | Portola Valley | 94028 | 3,572 | 1,306,897 | $365,873 |
| NEW YORK | Purchase | 10577 | 1,620 | 574,247 | $354,473 |
| ILLINOIS | Kenilworth | 60043 | 1,315 | 457,641 | $348,016 |
| MISSOURI | Saint Louis | 63124 | 5,593 | 1,826,895 | $326,640 |
| PENNSYLVANIA | Gladwyne | 19035 | 2,169 | 699,690 | $322,586 |
| NEW YORK | New York | 10005 | 1,880 | 578,731 | $307,836 |
| CALIFORNIA | Beverly Hills | 90210 | 10,480 | 3,162,173 | $301,734 |
| ILLINOIS | Winnetka | 60093 | 10,517 | 3,129,300 | $297,547 |
| CALIFORNIA | Los Angeles | 90077 | 4,181 | 1,235,145 | $295,419 |
| NEW YORK | New York | 10018 | 2,797 | 814,967 | $291,372 |
| CONNECTICUT | New Canaan | 06840 | 9,623 | 2,750,207 | $285,795 |
| MASSACHUSETTS | Boston | 02108 | 2,610 | 739,875 | $283,477 |
| ILLINOIS | Glencoe | 60022 | 4,390 | 1,237,748 | $281,947 |
| NEW JERSEY | Short Hills | 07078 | 6,745 | 1,896,190 | $281,125 |
| ILLINOIS | Lake Forest | 60045 | 10,185 | 2,802,054 | $275,116 |
| CONNECTICUT | Greenwich | 06830 | 12,515 | 3,372,995 | $269,516 |
| FLORIDA | Longboat Key | 34228 | 3,610 | 972,220 | $269,313 |
| CONNECTICUT | Darien | 06820 | 9,401 | 2,518,214 | $267,867 |
| NEW YORK | Rye | 10580 | 8,195 | 2,182,539 | $266,326 |
| PENNSYLVANIA | Villanova | 19085 | 2,901 | 772,321 | $266,226 |
| TEXAS | Houston | 77002 | 2,319 | 612,696 | $264,207 |
| CALIFORNIA | Belvedere Tiburon | 94920 | 6,413 | 1,669,035 | $260,258 |
| CALIFORNIA | Los Angeles | 90071 | 1,031 | 266,853 | $258,829 |
| NEW YORK | New York | 10022 | 21,670 | 5,469,333 | $252,392 |
| TEXAS | Fort Worth | 76102 | 2,391 | 597,998 | $250,104 |
| CALIFORNIA | San Francisco | 94104 | 1,637 | 400,650 | $244,746 |
| DELAWARE | Wilmington | 19807 | 4,192 | 1,024,239 | $244,332 |
| CALIFORNIA | Los Altos | 94022 | 9,958 | 2,414,274 | $242,446 |
| NEW YORK | Chappaqua | 10514 | 5,937 | 1,424,560 | $239,946 |
| NEW JERSEY | Essex Fells | 07021 | 1,117 | 267,151 | $239,168 |
| GEORGIA | Atlanta | 30327 | 11,481 | 2,702,336 | $235,375 |
| MASSACHUSETTS | Lincoln | 01773 | 2,774 | 650,057 | $234,339 |
| CONNECTICUT | Weston | 06883 | 4,699 | 1,066,977 | $227,065 |
| CALIFORNIA | Newport Coast | 92657 | 2,266 | 513,411 | $226,571 |
| PENNSYLVANIA | Haverford | 19041 | 3,135 | 709,656 | $226,366 |
| NEW YORK | Great Neck | 11024 | 3,489 | 789,216 | $226,201 |
| NEW JERSEY | Saddle River | 07458 | 5,381 | 1,215,967 | $225,974 |
| CONNECTICUT | Riverside | 06878 | 3,817 | 859,869 | $225,274 |
| TENNESSEE | Lookout Mountain | 37350 | 1,186 | 266,984 | $225,113 |
| FLORIDA | Vero Beach | 32963 | 6,752 | 1,505,406 | $222,957 |
| NEW YORK | Bedford | 10506 | 2,951 | 657,271 | $222,728 |
| MASSACHUSETTS | 02181 | 6,181 | 1,372,252 | $222,011 | |
| TEXAS | Houston | 77019 | 7,960 | 1,765,571 | $221,805 |
| NEVADA | Las Vegas | 89113 | 3,995 | 885,381 | $221,622 |
| MASSACHUSETTS | Boston | 02109 | 3,697 | 815,619 | $220,616 |
| MINNESOTA | Wayzata | 55391 | 7,848 | 1,711,558 | $218,088 |
| NEW JERSEY | Bernardsville | 07924 | 3,504 | 760,432 | $217,018 |
| NEW YORK | Locust Valley | 11560 | 3,460 | 740,001 | $213,873 |
| NEW YORK | New York | 10021 | 56,833 | 12,098,604 | $212,880 |
| TEXAS | Austin | 78730 | 1,993 | 418,947 | $210,209 |
| FLORIDA | Naples | 34102 | 5,576 | 1,166,510 | $209,202 |
| TEXAS | Houston | 77024 | 17,111 | 3,561,753 | $208,156 |
| ILLINOIS | Chicago | 60611 | 14,967 | 3,105,056 | $207,460 |
| NEW YORK | Armonk | 10504 | 3,748 | 777,274 | $207,384 |
| MASSACHUSETTS | 02167 | 4,342 | 894,391 | $205,986 | |
| NORTH CAROLINA | Charlotte | 28207 | 4,518 | 928,762 | $205,569 |
| MASSACHUSETTS | Dover | 02030 | 2,793 | 573,987 | $205,509 |
| CONNECTICUT | Westport | 06880 | 13,278 | 2,720,166 | $204,863 |
| OHIO | Gates Mills | 44040 | 2,020 | 412,549 | $204,232 |
| CALIFORNIA | Pacific Palisades | 90272 | 11,319 | 2,305,152 | $203,653 |
| TEXAS | Dallas | 75205 | 10,982 | 2,229,410 | $203,006 |
| NEW JERSEY | Franklin Lakes | 07417 | 5,306 | 1,076,578 | $202,898 |
| KANSAS | Shawnee Mission | 66211 | 2,016 | 408,972 | $202,863 |
| MASSACHUSETTS | Weston | 02493 | 2,063 | 416,997 | $202,131 |
| CALIFORNIA | Encino | 91436 | 8,415 | 1,693,315 | $201,226 |
| TEXAS | Dallas | 75225 | 11,331 | 2,276,633 | $200,921 |
| TEXAS | Austin | 78746 | 12,215 | 2,452,417 | $200,771 |
| VIRGINIA | Great Falls | 22066 | 7,876 | 1,575,622 | $200,054 |
| CALIFORNIA | San Francisco | 94105 | 1,685 | 330,473 | $196,126 |
| NEW YORK | New York | 10017 | 12,898 | 2,525,912 | $195,837 |
| MASSACHUSETTS | Cohasset | 02025 | 3,534 | 691,417 | $195,647 |
| CALIFORNIA | Palo Alto | 94301 | 9,160 | 1,783,255 | $194,678 |
| ILLINOIS | Oak Brook | 60523 | 4,397 | 850,239 | $193,368 |
| NEW JERSEY | Rumson | 07760 | 4,964 | 959,420 | $193,276 |
| CONNECTICUT | Southport | 06490 | 2,216 | 427,313 | $192,831 |
| NEW JERSEY | Mendham | 07945 | 4,594 | 877,310 | $190,969 |
| CALIFORNIA | Saratoga | 95070 | 15,576 | 2,961,579 | $190,137 |
| CONNECTICUT | Stamford | 06903 | 7,175 | 1,363,212 | $189,995 |
| NEW YORK | Cold Spring Harbor | 11724 | 1,729 | 326,030 | $188,566 |
| NEVADA | Incline Village | 89452 | 1,282 | 239,677 | $186,956 |
| MASSACHUSETTS | Boston | 02105 | 1,410 | 263,545 | $186,911 |
| WASHINGTON | Seattle | 98111 | 1,328 | 245,600 | $184,940 |
| CALIFORNIA | Santa Monica | 90402 | 5,994 | 1,105,839 | $184,491 |
| CALIFORNIA | Beverly Hills | 90212 | 8,404 | 1,547,160 | $184,098 |
What To Do With This Data?
Alright… unless you’re an avid marketer and a constant student of marketing and sales… you’re probably asking, “Cool… now what do I do with this data?”.
Well, there are a few different approaches.
- You can use the data and help it give you direction on where you want to start marketing online or offline (of course, follow SEC rules and guidelines like we teach in Private Money Blueprint) so you’re focusing your online and offiline efforts in areas more likely to have bigger lenders.
- You can focus your networking in these zip codes so you can start to mingle with people who are more likely to have more money. Odds are bigger that you’ll be talking to more savvy investors in these zip codes and to people who will understand your private lending program more easily.
- You can just note it in your mind and keep it for future reference (which means you’ll never use it)
- You can realize that if you’re hitting a wall with your networking (if you’re really out there hustling and talking to a lot of people… at leaset 3 new people a week) and you’re in need of bigger private lenders… you can start to build out your network in these areas. If you’re not close to these areas… use our LinkedIn ‘Private Money Getting” tutorial if you’re a Private Money Monthly member and start making contacts with influential people in those areas. If you’re not a Private Money Monthly Member… no prob at all… hit up the social networking sites like Facebook, LinkedIn, etc and just start building relationships with influential people in these zip codes.
This chart more than anything goes to show you that there’s still a ton of money out there waiting for a great opportunity to invest in private lending programs like ours that pay great returns backed by real estate.
Now… it’s up to us who are going to take action on this data to go out there and grab our share!
I’m grabbing mine… it’ll take some work… but nothing worth while doesn’t take hard work and committment.
Go get ‘em!
