Housing data for Lake Carmel, NY
Lake Carmel, NY has an estimated 7,854 residents and 2,946 homes (US Census Bureau, 2020–2024 American Community Survey).
It is an unincorporated community in Putnam County.
14.1% of households rent.
The median gross rent is $1,565 a month.
Figures last updated on .
- Residents
- 7,854 (±442)
- Housing units
- 2,946 (±219)
- Households that rent
- 14.1%
- Median gross rent
- $1,565
- Residents since 2015–2019
- −2.6%
What stands out in Lake Carmel
Renters paying 30% or more of income: 91.0% (±23.3 points) in Lake Carmel, higher than in Putnam County (62.3%).
Homes in buildings of 5 or more units: 3.0% (±2.4 points) in Lake Carmel, lower than in Putnam County (6.5%).
Median home value: $363,700 (±$13,758) in Lake Carmel, lower than in Putnam County ($471,300).
Commuting by public transportation: 2.4% (±1.4 points) in Lake Carmel, lower than in Putnam County (5.8%).
- Rent burden in Lake Carmel
- Types of homes in Lake Carmel
- Home values in Lake Carmel
- Commute and cars in Lake Carmel
Housing in Lake Carmel at a glance
- Median rent: $1,565 median gross rent a month
- Rent by bedrooms: $1,723 median gross rent, 2 bedrooms
- Rent burden: 91.0% of renters pay 30% or more of income
- Renters and owners: 14.1% of households rent
- Income and affordability: $109,243 median household income
- Home values: $363,700 median home value
- Homeowner costs: $2,634 median monthly cost with a mortgage
- Property taxes: $8,957 median real estate taxes a year
- Types of homes: 3.0% of homes are in buildings of 5 or more units
- Bedrooms: 49.2% of homes have 3 or more bedrooms
- Age of homes: 78.6% of homes were built before 1980
- Vacancy rate: 0.0% rental vacancy rate (Small sample: wide margin of error)
- Heating fuel: 52.8% heat with fuel oil or kerosene
- Commute and cars: 35.8 minutes average trip to work
- Growth: −2.6% residents since 2015–2019
- How long people stay: 19.3% moved in since 2020
- Crowding and facilities: 2.2% of homes have more than 1 person per room
Lake Carmel against Putnam County, its state and the nation
| Lake Carmel | Putnam County | New York | United States | |
|---|---|---|---|---|
| Residents | 7,854 (±442) | 98,107 (exact) | 19,852,366 (exact) | 334,922,499 |
| Housing units | 2,946 (±219) | 38,450 (±46) | 8,585,241 (±652) | 143,775,355 |
| Households that rent | 14.1% (±5.6 points) | 16.2% (±1.4 points) | 45.7% (±0.2 points) | 34.8% |
| Median gross rent | $1,565 (±$222) | $1,775 (±$83) | $1,621 (±$7) | $1,413 |
| Median household income | $109,243 (±$27,162) | $126,257 (±$5,160) | $85,974 (±$402) | $80,734 |
| Median home value | $363,700 (±$13,758) | $471,300 (±$7,987) | $423,800 (±$1,627) | $332,700 |
| Median real estate taxes (a year) | $8,957 (±$468) | $10,000 or more | $6,582 (±$21) | $3,119 |
| Built before 1980 | 78.6% (±10.4 points) | 66.8% (±3.0 points) | 73.9% (±0.2 points) | 49.7% |
| Average commute | 35.8 minutes (±2.7) | 39.3 minutes (±1.0) | 32.6 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 91.6% (±3.6 points) | 94.8% (±0.9 points) | 90.8% (±0.1 points) | 91.0% |
| Median age of residents | 40.3 years (±4.1) | 44.0 years (±0.2) | 39.8 years (±0.1) | 38.9 years |
Lake Carmel covers 5.2 square miles of land, about 1,503 residents per square mile (Census Bureau Gazetteer).
How Lake Carmel has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 8,067 (±298) | 7,854 (±442) | −2.6% | Not a measurable change |
| Housing units | 3,184 (±145) | 2,946 (±219) | −7.5% | Not a measurable change |
| Median gross rent | $1,808 (±$157) | $1,565 (±$222) | −13.4% | Down after inflation |
| Median home value | $277,500 (±$8,612) | $363,700 (±$13,758) | +31.1% | Up after inflation |
| Median household income | $89,360 (±$8,782) | $109,243 (±$27,162) | +22.3% | No measurable change after inflation |
| Median owner cost with a mortgage | $2,316 (±$90) | $2,634 (±$135) | +13.7% | Down after inflation |
| Median real estate taxes | $8,105 (±$472) | $8,957 (±$468) | +10.5% | Down after inflation |
| Households that rent | 10.3% (±3.8 points) | 14.1% (±5.6 points) | +3.8 percentage points | Not a measurable change |
| Rental vacancy rate | 0.0% (±9.8 points) | 0.0% (±10.2 points) | 0.0 percentage points | Not a measurable change |
The Census Bureau publishes 2015–2019 dollars in 2019 dollars and 2020–2024 dollars in 2024 dollars.
Prices (the CPI-U, US Bureau of Labor Statistics) rose 22.7% between 2019 and 2024, so a dollar figure’s verdict compares the two after raising the earlier one by that much, using the Census Bureau’s test for a difference.
The two periods do not overlap, as the Census Bureau recommends for 5-year estimates.
Crime reported to police in Putnam County
Lake Carmel has no police department of its own in the FBI’s figures, so this is the figure for Putnam County as a whole.
In 2025, the police departments that report for Putnam County recorded 50 violent and 295 property crimes per 100,000 residents.
A county-wide figure describes the whole county, not this place; crime varies from one community to the next.
ZIP codes in Lake Carmel
| ZIP code | Share of the ZIP’s land in this place | Residents | Median gross rent | Median home value | Median household income |
|---|---|---|---|---|---|
| 10512 | 10% | 24,234 | $1,492 | $410,500 | $117,701 |
A ZIP code is a mail route rather than a boundary, so the Census Bureau publishes figures for ZIP Code Tabulation Areas built from census blocks; the share column says how much of each one’s land lies in this place.
Places near Lake Carmel
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Brewster Hill | 4.1 mi | — | $464,400 | 5.9% |
| Town of Patterson | 4.2 mi | $2,048 | $409,500 | 18.7% |
| Brewster Heights | 4.2 mi | — | $384,300 | 0.0% |
| Carmel (community) | 4.3 mi | $1,150 | $488,300 | 25.0% |
| Town of Southeast | 5.0 mi | $1,755 | $446,900 | 21.3% |
| Village of Brewster | 5.2 mi | $1,657 | $398,200 | 78.7% |
| Putnam Lake | 5.9 mi | $1,750 | $337,000 | 3.8% |
| Town of Carmel | 6.1 mi | $1,683 | $495,100 | 14.6% |
Places in New York most like Lake Carmel
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Brinckerhoff | $1,943 | $370,000 | $101,927 | 13.1% |
| Town of Canaan | $1,632 | $408,400 | $107,313 | 19.0% |
| Balmville | $1,656 | $392,200 | $120,694 | 22.7% |
| Wheatley Heights | $1,688 | $538,200 | $118,036 | 11.7% |
| Putnam Lake | $1,750 | $337,000 | $103,561 | 3.8% |
| Village of Sloatsburg | $2,184 | $430,800 | $108,043 | 12.5% |
Matched on rent, home value, income, the share who rent, the age of the homes, the share in apartment buildings and the commute, each measured against the spread across New York.
HUD Fair Market Rent for Lake Carmel, fiscal year 2027
| Studio | 1 bedroom | 2 bedrooms | 3 bedrooms | 4 bedrooms |
|---|---|---|---|---|
| $2,593 | $2,729 | $2,971 | $3,760 | $4,121 |
HUD income limits for Lake Carmel, fiscal year 2026
| Household size | Extremely low (30%) | Very low (50%) | Low (80%) |
|---|---|---|---|
| 1 person | $35,650 | $59,400 | $88,100 |
| 2 people | $40,750 | $67,850 | $100,700 |
| 3 people | $45,850 | $76,350 | $113,300 |
| 4 people | $50,900 | $84,800 | $125,850 |
| 5 people | $55,000 | $91,600 | $135,950 |
| 6 people | $59,050 | $98,400 | $146,000 |
| 7 people | $63,150 | $105,200 | $156,100 |
| 8 people | $67,200 | $111,950 | $166,150 |
These are the limits HUD sets for its housing programs in the Westchester County, NY Statutory Exception Area, where HUD’s median family income for fiscal year 2026 is $164,200.
A program can use its own limits; tax-credit and local programs often do.
Lake Carmel 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 Kent, 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 Lake Carmel
What is the average rent in Lake Carmel, NY?
The Census Bureau publishes the median rather than the average: the median gross rent in Lake Carmel is $1,565 (±$222) a month (2020–2024 American Community Survey), so half of renting households pay less and half pay more.
How much is a one-bedroom apartment in Lake Carmel?
The median gross rent for a one-bedroom home in Lake Carmel, NY is $1,359 (±$485) a month (2020–2024 American Community Survey).
Are renters in Lake Carmel rent-burdened?
91.0% of renting households in Lake Carmel pay 30% or more of their income in gross rent, the share housing researchers usually call rent-burdened (2020–2024 American Community Survey).
How many renters are there in Lake Carmel?
Lake Carmel has an estimated 394 (±165) renting households, 14.1% of its occupied homes (2020–2024 American Community Survey).
What is the median household income in Lake Carmel?
The median household income in Lake Carmel is $109,243 (±$27,162) a year (2020–2024 American Community Survey).
What is the average home value in Lake Carmel, NY?
The Census Bureau publishes the median: $363,700 (±$13,758) for owner-occupied homes in Lake Carmel (2020–2024 American Community Survey).
Is Lake Carmel growing?
In Lake Carmel, the number of residents went from 8,067 in 2015–2019 to 7,854 in 2020–2024 (−2.6%), not a measurable change.
What ZIP codes are in Lake Carmel?
The ZIP code that covers Lake Carmel is 10512.
What is the median rent in ZIP code 10512?
The median gross rent in ZIP Code Tabulation Area 10512 is $1,492 (±$176) a month (2020–2024 American Community Survey).
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Lake Carmel CDP, New York
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Lake Carmel CDP, New York
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Lake Carmel CDP, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Lake Carmel CDP, New York
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Lake Carmel CDP, New York
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Lake Carmel CDP, New York
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Lake Carmel CDP, New York
- HUD Fair Market Rents, fiscal year 2027: New York, NY HUD Metro FMR Area
- HUD Income Limits, fiscal year 2026: Westchester County, NY Statutory Exception Area
- US Census Bureau, American Community Survey 2020–2024 5-year estimates for ZIP Code Tabulation Areas
- Consumer Price Index for All Urban Consumers (CPI-U), US city average, all items, US Bureau of Labor Statistics: annual averages 2019 and 2024
- US Census Bureau, 2024 Gazetteer Files
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) for Lake Carmel CDP, New York (place:40398, in state:36).
Each estimate (E or PE) has a margin of error beside it (M or PM).
The 2015–2019 figures are B01003_001E, B01003_001M, B25064_001E, B25064_001M from the 2019 release.
The API needs a free key.
DP05_0001E, DP05_0001M, DP04_0001E, DP04_0001M, DP04_0047PE, DP04_0047PM, DP04_0134E, DP04_0134M, DP03_0062E, DP03_0062M, DP04_0089E, DP04_0089M
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.
Figures last updated on .