America's Most Exclusive ZIP Codes

These aren't just the richest towns, these are the places with high incomes, expensive homes and few residents. California, New York and New Jersey pretty much have the top 10 locked completely up.

The coasts have a lock on the most exclusive ZIP codes in the country, according to housing and income data from Bloomberg.

While Los Angeles and New York ZIP codes are expected entries into such a list, only one neighborhood from each made the top 10. And just one town not on the coasts made it. In fact, the list is overwhelmingly made up of New York, New Jersey and California towns.

Bloomberg created the list by dividing household income by the number of occupied housing units, plus, only ZIP codes with median home listing prices greater than $1.5 million were ranked. Listing prices were as of June 2013.

Half of the ZIP codes on this list have populations under 5,000 and the number one town has less than 100 occupied housing units — talk about exclusivity!

Here are the top 10.

10. Los Angeles, California

ZIP code: 90077

Annual income per house: $312,827

Occupied units: 3,329

Population: 8,571

Median home listing: $2.95 million

Views of Los Angeles from Mulholland Drive. Photo by Eino Mustonen.

Famed Mulholland Drive is located in this prestigious ZIP code, located in the Santa Monica Mountains near Hollywood. This is just the first of three California entries.

9. Kenilworth, Illinois

ZIP code: 60043

Annual income per house: $335,889

Occupied units: 785

Population: 2,565

Median home listing: $1.78 million

Photo from city-data.com

Located along Lake Michigan, Kenilworth is just north of downtown Chicago. The neighborhood is considered the most exclusive in the Midwest, and it is the only entry in the top 10 that isn’t located on either the West or East Coast.

8. Bernardsville, New Jersey

ZIP code: 07931

Annual income per house: $344,646

Occupied units: 1,044

Population: 3,326

Median home listing: $1.6 million

Photo by Siddharth Mallya

Bernardsville has the least expensive median home listing out of the top 10. The town lays claim to Meryl Streep as a resident and having been the former home of Jackie O.

7. New York, New York

ZIP code: 10007

Annual income per house: $347,623

Occupied units: 2,266

Population: 5,892

Median home listing: $3.1 million

This ZIP code will put you in Tribeca, famously the home of Robert De Niro and plenty of other Oscar-worthy actors (Meryl Streep), big-name sports stars (Derek Jeter) and the musically inclined (Jay-Z).

6. Short Hills, New Jersey

ZIP code: 07078

Annual income per house: $353,820

Occupied units: 3,960

Population: 13,157

Median home listing: $1.8 million

Small downtown. Photo by Daniel Case.

The town is actually an unincorporated area located within the larger township of Millburn. In fact, Short Hills doesn’t have its own independent government.

5. Mill Neck, New York

ZIP code: 11765

Annual income per house: $388,136

Occupied units: 214

Population: 536

Median home listing: $2.48 million

House for sale for $9.97 million. Photo from Zillow.

The village is located out on Long Island and occupies just 3 acres of land on the north side of the island by Oyster Bay Harbor.

4. Atherton, California

ZIP code: 94027

Annual income per house: $389,786

Occupied units: 2,306

Population: 7,028

Median home listing: $6.5 million

Historic house in Atherton

The homes in Atherton are by far the priciest on the list and the town typically makes it into the top 10 for Forbesmost expensive ZIP codes. This isn’t all that surprising considering the town is part of Silicon Valley and just a hop, skip and a jump from the headquarters of Google and Facebook.

3. Harrison, New York

ZIP code: 10577

Annual income per house: $398,411

Occupied units: 770

Population: 4,623

Median home listing: $1.7 million

Memorial to Amelia Earhart, who lived there.

Located in Westchester County, this ZIP code is actually for Purchase, a hamlet of the town of Harrison. Companies with their corporate headquarters in Harrison include, Mastercard, Pepsico and Morgan Stanley.

2. Alamo, California

ZIP code: 94528

Annual income per house: $501,787

Occupied units: 339

Population: 1,043

Median home listing: $3.38

Las Trampas Regional Wilderness

Located in the San Francisco Bay Area, the Alamo is a small, unincorporated town with no government of its own (much like number six, Short Hills, N.J.).

1. Fisher Island, Florida

ZIP code: 33109

Annual income per house: $796,619

Occupied units: 69

Population: 150

Median home listing: $2.7 million

The northern part of the barrier island that the town is located on is actually incorporated as part of Miami Beach. The island, once the one-family home of the Vanderbilts (and several other millionaires, later) is only accessible by boat.