The city organized by zip code areas and neighborhoods, residential parks and subsections. The natural beauty and diverse geography of the area greatly influenced the primarily residential development of New Rochelle from its settlement in 1688 to the present day, evidenced by the more than fifty 'residential parks', marked by attractive homes, winding roads and tall trees. Some of the country's most expensive residential real estate can be found in New Rochelle as well. The Wykagyl 10804 postal code covering much of the city's north end is ranked on Forbes Magazine's annual '500 most expensive zip-codes' list, with an average household income of $199,061 and an average home price over $752,000. In the city's southern end, homes in the gated waterfront enclave Premium Point can cost anywhere from $2 to $20 million. The Downtown area, in contrast, is quite densely populated, with many multi-family residential complexes and high rise apartment buildings. There are more than 11,500 single family units within the city, more than neighboring Larchmont, Mamaroneck and Scarsdale combined. The total number of households surpasses 26,000, more than that of neighboring Pelham, Pelham Manor, Eastchester, Scarsdale, Mamaroneck and Larchmont combined.
The city is served by zip-codes 10801, 10802, 10804, 10805 and 10583.
Anchorage: waterfront enclave on Davenports Neck along Titus Mill-Pond.
Bayberry: an upper-middle-class neighborhood geographically located in the northern end of the city created in 1954. The community originally attracted attention as the only new home colony in Westchester with its own recreation facilities including swimming pools, basketball courts, tennis courts, a playground and day camp, and a clubhouse. Bayberry even runs its own private day camp in the summer.
Beechmont (includes Beechmont Woods and Beechmont Knolls): planned in 1902 by Eugene Lambden and his brother John for the City Realty Company. The neighborhood is centered on Beechmont Lake, created in 1902 by damming Pine Brook. Beechmont lies on the eastern side of New Rochelle, bordering the town of Mamaroneck. Rochelle Heights is immediately to the south of Beechmont, while Forest Heights, Forest Knolls, and Paine Heights are to the north and Larchmont Woods and Forest Knolls are to the northeast. North Avenue forms the extreme western boundary.
Bon Air Park: east of Wykagyl between North Avenue and the Nature Study-Twin Lakes preserve
Bonnie Crest: located to the north of Wykagyl's business district.; Buell Drive, Decatur Terrace, Evans Road, Fairman Drive, Farragut Road, Fenimore Road, Graham Road, Mildred Parkway, Lowell Road
Chatsworth: middle-class residential neighborhood adjacent to the City Park athletic fields. The area of 'Chatsworth' originated along the Town of Mamaroneck, City of New Rochelle border half a mile to the east. It included land within both communities, including portions of what is now the eastern end of Beechmont as well as the southern part of Larchmont Woods.
Chauncey Estates: older community north of the Downtown district between North Avenue and Webster Avenue. This area consists of older homes zoned from the early 1900s.
Cherry Lawn: newest community to the City, planned around a central greenspace reminiscent of the classic 'town square' concept. The area was developed on the last remaining farmland in the city.
Congress Park: Congress Avenue
Coopers Corner: For over two centuries Cooper's Corners served as an outpost for residents who lived in Upper New Rochelle miles from the downtown hub. The hamlet took shape at North Avenue and Mill Road near Burtis Mill that was powered by the Hutchinson River. It eventually included the general store of John Cooper, the 1795 Cooper's Corners School, the 1859 St. John's Wilmot Church, and the 1901 Wilmot Fire Station No. 6.
Daisy Farms: family farmland and equestrian estate turned suburban development of single family ranch homes (1950s). The area is located in the northern portion of New Rochelle, bordered Wilmot Road on the east, Stratton Road on the south, and Wilmot Woods on the north. For many years the area was a working farm owned by Georgina Iselin of Davenport Neck, and also served as the home of the Hutchinson Riding Academy. The Berne Construction Company of White Plains acquired the property in 1951 on which it constructed over 300 single family ranch style homes. A 12 acre plot was acquired by the City of New Rochelle as the site for the North End School, which is now known as George M. Davis Elementary.
Davenport Neck: historic waterfront peninsula originally inhabited by Siwanoy Indian tribes in the 15 and 1600's. Over time the area became the summer vacation destination for wealthy New York families looking to retreat to impressive waterfront estates along Long Island Sound. Today the peninsula is home to a number of upscale residential communities and shore and yacht clubs.
Dillon Park: (Boundary: Boston Post Road at Larchmont town line)
Dorchester Hills: north of Wilmot Woods and south of Scarsdale Downs and Scarsdale Park.
East End: residential area bounded generally by U. S. I (Post Road) on the south, North Avenue on the west, the Town of Mamaroneck on the east, and Fifth Avenue and Palmer Avenue on the north. The southern section of this district is a middle-class neighborhood with properties dating from the early 1900s onward. It contains the City's only row houses, located on Stephenson Boulevard. Much of the area was originally owned by inventor John Stephenson and for some years early in the twentieth century was the home to workers involved with the Thanhouser Movie Studios nearby on Main Street.
Echo Manor: waterfront community on the western edge of Echo Bay
Edgewood Park: Originally called "St. Luke Place"
Feeney Park: middle-class neighborhood located in the city's west end along the Pelham border.
Fifth Avenue Park: Fifth Avenue
Franklin Avenue: mixed residential/ commercial section in Downtown.
French Ridge: located west of Downtown New Rochelle along the Pelham border. The neighborhood is currently up for review as a National Historic District.
Forest Heights: (Boundary: North Avenue between Beechmont Road and Broad View Avenue). The area consists of estate homes in the Colonial and Tudor styles on large plots of land.
Forest Knolls: bordered by Beechmont on the south and Larchmont Woods on the west
Glenwood Lake: this area is bounded on the south by Lincoln Avenue, on the east by Webster Avenue, on the north by Eastchester Road, and on the west by Pelham. Glenwood Lake is a neighborhood of relatively small lots with modest houses built during the 1920s and after. Included within this area is the former Bergholtz Estate, which was sold to John Muir in the 1920s and was subsequently subdivided and built with homes built in the Colonial, Tudor and Mediterranean styles. Glenwood Lake is located near the Pelham line in the western portion of this area. Much of the activity of this area is centered around Webster School, a wonderful example of WPA' construction during the 1930s.
Halcyon Park: (Boundary: North Avenue, Fifth Avenue)
Hazelhurst Park: early 20th century residential park situated along the Larchmont/ New Rochelle border.
Highland Park: a residential area located in the Wykagyl section of northern New Rochelle. The area is bordered by Wykagyl Crossways on the north, Interlaken on the west, Huguenot Park on the south, and Paine Heights on the east. The area is situated just north of the Mahlstedt family's ice lakes which operated at North Avenue and Eastchester Road through the early 1900s. The surrounding land remained as undeveloped meadows and farmland through the turn of the Twentieth Century when planning for Highland Park began. Maps from 1901 display sections of farmland crisscrossed by lines representing streets. Identified by British names such as Aberfoyle, Calton, Inverness, and Perth, the new roads were lined with spacious lots on which large single-family homes were built.
Hillandale: bordered by Pinebrook on the west, Cherry Lawn on the south and Scarsdale Village on the east.
Home Park: (Boundary: Main Street, Harrison and Echo Avenue)
Homestead Park: a residential area located in the southern portion of New Rochelle. The area is bordered by Residence Park on the west, Franklin Avenue on the east and Shore Road on the south and Downtown New Rochelle on the north.
Huguenot Park: early 20th century residential park (Boundary: Clinton Avenue and Pelham Line, Eastchester Road south to Lincoln Avenue) 
Hutchinson: small community located at the city's northern tip along the Eastchester line. The area consists of homes built primarily during the late 1950s through the 1970s. The homes reflect the mid-20th century ranch style.
Kensington Woods: gated community in north-western section of the city adjacent to Bonnie Crest, Lake Isle and Eastchester. The area consists of modern colonial homes which range from 1 - 1.8 million dollars (as per 2012).
Interlaken: a minor area which straddles the western edge of New Rochelle and neighboring Eastchester.
Kress Park: historic, early 20th century residential park (Boundary: Webster Avenue from Lincoln Avenue to Kress Avenue inclusive)
Lake Isle: located along the eastern side of the former reservoir 'Lake Isle', the community consists of lakefront homes and estates and continues into neighboring Eastchester as well.
Lake Forest Park: (Boundary: Webster Avenue north of Eastchester Road)
Lyncroft: early 20th century residential park consisting of Tudor, Mediterranean and Colonial estate homes in a wooded setting. Lyncroft is adjacent to Paine Heights and Wykagyl Park.
Maplewood: 1950's era residential development in the city's north end 
Nautilus Park: Nautilus Place
Neptune Park: Neptune Avenue
North Ridge: small residential community located west of the Wykagyl business district.
Paine Heights: historic early 20th century residential development of large homes along wide boulevards. The former home of American Revolutionary Tom Paine is located here.
Pelhamwood: located long the Pelham border, this community has both a New Rochelle and Pelham section.
Petersville: an early community which included City Park recreational area and neighboring industrial Zones.
Pineridge: neighborhood located in northern end of the city adjacent to Ward Acres and Wykagyl. The area features large ranch-style homes constructed in the 1960s.
Pinebrook: bordered by Ward Acres Reserve on the west, the area includes the subsections of Pinebrook Estates, Pinebrook Hollow and Brookridge.
Pinebrook Heights: the residential area north of Sheldrake Lake.
Premium Point: upscale, gated community in the southeastern end of the city on Long Island Sound. This area spans the border with the neighboring Village of Larchmont. The homes here range from 2 - 20 million dollars.
Premium Point Park: waterfront community on Echo Bay (Boundary: From Premium Point Road and Main Street)
Pryer Manor: located on the Pryer Marshes and Wetlands along the Larchmont Village border.
Quaker Ridge: residential neighborhood located along the Scarsdale border. The Quaker Ridge Improvement Company was organized for the development of the Quaker Ridge section of New Rochelle, backed by some of the wealthiest men in the Westchester real estate field. This development was the first one in the immediate "Quaker Ridge Station" area. The station constructed by the New York, Westchester & Boston Railway system was the nicest one on the entire line. The proximity to New York was a strong point of the station and the area, with commuters able to reach the southernmost point of Manhattan within fifty-three minutes or less. The Quaker Ridge property was seen as exceptionally well located for residential purposes. The property fronted on the Quaker Ridge Station, and intersected with wide, newly built drives and boulevards. A "trading section" set aside for the stores and shops at which residents were to shop, was also originally planned.
Residence Park: historic residential park planned in the late 1880s  which also includes the main campus of the College of New Rochelle. (Boundary: Leland Avenue, Drake Avenue, Pelham Road, Main Street) 
Rose Hill: 1930's residential park bordered by Highland Park on the south and Wykagyl Crossways on the north. Around the turn of the 20th century the area was the home of the Rose Hill Nurseries & Greenhouses, a world renown domesticator of orchids and cultivator of rare and exotic flowers and plants.
Rosedale: 1950's era residential development situated in the northern end of the city, bordered by the Hutchinson River Parkway to the north and Bonnie Crest to the south.
Sans Souci: named for the former Davenport family estate on which it was built, this waterfront community overlooks New Rochelle Harbor and Long Island Sound 
Scarsdale Downs: situated at the northernmost end of the city along the Scarsdale Town border.
Scarsdale Park: situated at the northernmost end of the city along the Scarsdale Town border.
Spencer Park: bordering Sun Haven to the south and Larchmont Village to the north
Stephenson Park: (Adjoins Homestead Park) this community was formerly Crystal Lake, a large body of water once used to supply much of New York City with ice. The lake was later filled in after concerns of mosquito borne disease developing in its stagnant water.
Stratton Hills: 1950's development found in the city's northern end
Sun Haven: bordered by Boston Post Road and Palmer avenue 
Sunset View Park: (Boundary: North of 5th Avenue, above Dewey)
Sutton Manor: unique enclave of homes dating back to the early 1900s; currently qualified for designation as a Historic District (Boundary: Echo Road and Echo Avenue) 
Ward Acres (or Ward Acres Homes): residential community adjacent to the Ward Acres forest and preservation area. Ward Elementary School is located here as well.
White Birches: 1950's era residential development in the north end.
West End: A small neighborhood loosely defined on the southern border by Metro North's New Haven Line, on the west by the border with Pelham, on the north by Sickles Ave. and on the east by Memorial Highway. Most of the neighborhood sits on a hill, which in the early days of New Rochelle was known as Dutch Hill, leading to the terminology of saying someone is "from up the West End". The neighborhood is and has traditionally been home to one of the area's larger immigrant populations, with the Italian immigrants coming from 1900 through the 1950s and more recently the Hispanic immigrants coming from about 1985 through the present.
Wilmot Woods: residential community of approximately 150 Colonial-style homes built in 1937 by the firm Haring & Blumethal. It is modeled on the plan of the old New England villages, with a four acre 'village green' located at the center of the tract. The streets bear the names early New England settlers.
Wykagyl: suburban section in north end of New Rochelle, conterminous with the 10804 zip-code. Wykagyl consists of sprawling, residential neighborhoods and natural green-space. Wykagyl is frequently used in reference to the small business district of retail stores, restaurants, offices and condominium developments located at the center of the community. The area's unusual name most likely resulted from the shortening of the name of an Algonquin tribe of Native Americans who originally inhabited the area.
Wykagyl Crossways: early to 20th century residential park characterized by Tudor, Mediterranean and colonial homes.
Wykagyl Estates: newer residential development located just north of Wykagyl Country Club. The area consists of late 20th century ranch homes as well as contemporary 1990's structures.
Wykagyl Park: early 20th century residential park characterized by grand Tudor, Mediterranean and colonial homes on large plots of land.
^The historic character of Residence Park is asserted in a 2007 presentation about the area, supporting a local historic district application to the Historic Landmarks Review Board of the city of New Rochelle. The presentation is available here.