How much do homeowners pay a month in Carmel (community), NY?

Name: Homeowner costs in Carmel (community), NY, 2020–2024
Creator: US Census Bureau
License: https://www.census.gov/data/developers/about/terms-of-service.html

Homeowners with a mortgage in Carmel (community), NY pay a median of $3,225 (±$339) a month in selected owner costs (2020–2024 American Community Survey).

Owners without a mortgage pay $1,500 or more.

61.6% of owned homes carry a mortgage.

Figures last updated on November 12, 2026.

With a mortgage: $3,225 (±$339)
Without a mortgage: $1,500 or more
Owned with a mortgage: 61.6%

Monthly owner costs in Carmel (community)

Median selected monthly owner costs, estimate (90% margin of error)
	Carmel (community)	Putnam County	New York	United States
With a mortgage	$3,225 (±$339)	$3,122 (±$82)	$2,555 (±$9)	$1,963
Without a mortgage	$1,500 or more	$1,334 (±$41)	$958 (±$5)	$638
Owned homes with a mortgage	61.6% (±7.0 points)	64.4% (±2.0 points)	57.8% (±0.2 points)	60.6%
Median real estate taxes (a year)	$10,000 or more	$10,000 or more	$6,582 (±$21)	$3,119

Selected monthly owner costs are the mortgage payment, property taxes, insurance, utilities, fuels and any condominium or mobile-home fees.

In Carmel (community), the median cost with a mortgage is not measurably different from Putnam County ($3,122).

It is also higher than in New York ($2,555).

It is higher than the national figure ($1,963).

In Putnam County, Carmel (community) ranks 4 of 7 places with a published estimate, from highest to lowest median monthly cost with a mortgage.

Statewide, it ranks 172 of 404.

Rankings use the estimates alone; where margins of error overlap, neighboring ranks may not truly differ.

Median monthly cost with a mortgage in places near Carmel (community)

Nearest places with a published estimate, compared with Carmel (community)
Place	Distance	Median monthly cost with a mortgage	Compared with this place
Carmel (community)	—	$3,225 (±$339)	—
Brewster Heights	2.9 mi	$2,677 (±$122)	Lower
Village of Brewster	3.6 mi	$2,487 (±$338)	Lower
Mahopac	3.7 mi	$3,380 (±$241)	Not measurably different
Brewster Hill	4.2 mi	$3,443 (±$709)	Not measurably different
Lake Carmel	4.3 mi	$2,634 (±$135)	Lower
Town of Kent	4.3 mi	$2,742 (±$96)	Lower
Town of Southeast	4.4 mi	$2,883 (±$129)	Not measurably different
Heritage Hills	4.5 mi	$2,473 (±$372)	Lower

Nearby places with a measurably lower figure: Brewster Heights, NY ($2,677), Village of Brewster, NY ($2,487), Lake Carmel, NY ($2,634).

Distance is measured in a straight line between the Census Bureau’s internal points for each place.

Median monthly cost with a mortgage across Putnam County, place by place

Rank	Place	Median monthly cost with a mortgage
1	Brewster Hill	$3,443 (±$709)
2	Peach Lake	$3,426 (±$1,233)
3	Mahopac	$3,380 (±$241)
4	Carmel (community)	$3,225 (±$339)
5	Brewster Heights	$2,677 (±$122)
6	Lake Carmel	$2,634 (±$135)
7	Putnam Lake	$2,421 (±$193)

Carmel (community) is a census-designated place: an unincorporated community the Census Bureau draws for statistics, with no municipal government of its own.

It lies inside the Town of Carmel, whose figures include it.

Survey years: 2020–2024 (American Community Survey 5-year estimates), compared with 2015–2019.

Margins of error are at the 90% confidence level.

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Questions about Carmel (community)

What is the average mortgage payment in Carmel (community)?

The Census Bureau publishes total owner costs rather than the mortgage alone: the median for owners with a mortgage in Carmel (community), NY is $3,225 (±$339) a month, including taxes, insurance and utilities.

How much does it cost to own a paid-off home in Carmel (community)?

Owners without a mortgage in Carmel (community) pay a median of $1,500 or more a month in taxes, insurance, utilities and fees.

Sources

To check these figures in the Census Bureau’s own API, request the variables below from the 2024 ACS 5-year data profile (acs/acs5/profile) and detailed tables (acs/acs5) for Carmel CDP, New York (place:12518, in state:36).

Each estimate (E or PE) has a margin of error beside it (M or PM).

The 2015–2019 figures are B25088_002E, B25088_002M, B25103_001E, B25103_001M, B25077_001E, B25077_001M from the 2019 release.

The API needs a free key.

Request a Census API key.

DP04_0101E, DP04_0101M, DP04_0109E, DP04_0109M, DP04_0091PE, DP04_0091PM, B25103_001E, B25103_001M

This product uses the Census Bureau Data API but is not endorsed or certified by the Census Bureau.

Figures are published by the US Census Bureau, HUD, the Bureau of Labor Statistics and the FBI; Seayora reproduces them and does not adjust them, except where a sentence says it compares dollar figures after inflation. They describe the whole place, not any one building or street, and are not an appraisal, a rent determination, a tax bill, a safety rating or legal advice.