Housing data for the Town of Carmel, NY
The Town of Carmel, NY has an estimated 33,837 residents and 12,777 homes (US Census Bureau, 2020–2024 American Community Survey).
It is a town in Putnam County.
14.6% of households rent.
The median gross rent is $1,683 a month.
Its population shrank measurably since 2015–2019 (−1.1%).
Figures last updated on .
- Residents
- 33,837 (±28)
- Housing units
- 12,777 (±384)
- Households that rent
- 14.6%
- Median gross rent
- $1,683
- Residents since 2015–2019
- −1.1%
What stands out in the Town of Carmel
Homes in buildings of 5 or more units: 9.4% (±2.4 points) in the Town of Carmel, higher than in Putnam County (6.5%).
Housing in the Town of Carmel at a glance
- Median rent: $1,683 median gross rent a month
- Rent by bedrooms: $1,825 median gross rent, 2 bedrooms
- Rent burden: 68.1% of renters pay 30% or more of income
- Renters and owners: 14.6% of households rent
- Income and affordability: $131,835 median household income
- Home values: $495,100 median home value
- Homeowner costs: $3,335 median monthly cost with a mortgage
- Property taxes: $10,000 or more median real estate taxes a year
- Types of homes: 9.4% of homes are in buildings of 5 or more units
- Bedrooms: 71.1% of homes have 3 or more bedrooms
- Age of homes: 65.5% of homes were built before 1980
- Vacancy rate: 2.7% rental vacancy rate
- Heating fuel: 60.0% heat with fuel oil or kerosene
- Commute and cars: 41.2 minutes average trip to work
- Crime reported to police: 41 violent crimes per 100,000 residents
- Growth: −1.1% residents since 2015–2019
- How long people stay: 15.3% moved in since 2020
- Crowding and facilities: 2.6% of homes have more than 1 person per room
The Town of Carmel against Putnam County, its state and the nation
| Town of Carmel | Putnam County | New York | United States | |
|---|---|---|---|---|
| Residents | 33,837 (±28) | 98,107 (exact) | 19,852,366 (exact) | 334,922,499 |
| Housing units | 12,777 (±384) | 38,450 (±46) | 8,585,241 (±652) | 143,775,355 |
| Households that rent | 14.6% (±3.4 points) | 16.2% (±1.4 points) | 45.7% (±0.2 points) | 34.8% |
| Median gross rent | $1,683 (±$148) | $1,775 (±$83) | $1,621 (±$7) | $1,413 |
| Median household income | $131,835 (±$10,264) | $126,257 (±$5,160) | $85,974 (±$402) | $80,734 |
| Median home value | $495,100 (±$16,690) | $471,300 (±$7,987) | $423,800 (±$1,627) | $332,700 |
| Median real estate taxes (a year) | $10,000 or more | $10,000 or more | $6,582 (±$21) | $3,119 |
| Built before 1980 | 65.5% (±5.8 points) | 66.8% (±3.0 points) | 73.9% (±0.2 points) | 49.7% |
| Average commute | 41.2 minutes (±2.0) | 39.3 minutes (±1.0) | 32.6 minutes (±0.1) | 26.4 minutes |
| Households with broadband | 95.2% (±1.7 points) | 94.8% (±0.9 points) | 90.8% (±0.1 points) | 91.0% |
| Median age of residents | 44.3 years (±1.5) | 44.0 years (±0.2) | 39.8 years (±0.1) | 38.9 years |
The Town of Carmel covers 35.9 square miles of land, about 943 residents per square mile (Census Bureau Gazetteer).
How the Town of Carmel has changed since 2015–2019
| 2015–2019 | 2020–2024 | Amount of change | Verdict | |
|---|---|---|---|---|
| Residents | 34,210 (±29) | 33,837 (±28) | −1.1% | Measurable decrease |
| Housing units | 12,930 (±370) | 12,777 (±384) | −1.2% | Not a measurable change |
| Median gross rent | $1,354 (±$81) | $1,683 (±$148) | +24.3% | No measurable change after inflation |
| Median home value | $379,300 (±$7,869) | $495,100 (±$16,690) | +30.5% | Up after inflation |
| Median household income | $104,016 (±$5,216) | $131,835 (±$10,264) | +26.7% | No measurable change after inflation |
| Median owner cost with a mortgage | $3,051 (±$122) | $3,335 (±$119) | +9.3% | Down after inflation |
| Households that rent | 19.7% (±2.8 points) | 14.6% (±3.4 points) | −5.1 percentage points | Measurable decrease |
| Rental vacancy rate | 3.7% (±3.9 points) | 2.7% (±3.0 points) | −1.0 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 the Town of Carmel
In 2025, the Carmel Town Police Department reported 41 violent and 305 property crimes per 100,000 residents to the FBI.
Across Putnam County, the departments that report recorded 50 violent and 295 property crimes per 100,000 residents that year.
ZIP codes in the Town of Carmel
| ZIP code | Share of the ZIP’s land in this place | Residents | Median gross rent | Median home value | Median household income |
|---|---|---|---|---|---|
| 10542 | 100% | 0 | — | — | — |
| 10541 | 93% | 26,361 | $1,888 | $508,500 | $138,617 |
| 10505 | 60% | 1,119 | $1,385 | $896,200 | $153,426 |
| 10512 | 44% | 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 the Town of Carmel
| Place | Distance | Median gross rent | Median home value | Households that rent |
|---|---|---|---|---|
| Heritage Hills | 3.5 mi | $3,500 or more | $524,800 | 12.5% |
| Lincolndale | 3.6 mi | — | $582,200 | 1.9% |
| Shenorock | 4.0 mi | $2,417 | $472,800 | 4.1% |
| Town of Kent | 4.9 mi | $1,606 | $390,100 | 12.5% |
| Brewster Heights | 5.1 mi | — | $384,300 | 0.0% |
| Village of Brewster | 5.6 mi | $1,657 | $398,200 | 78.7% |
| Town of Somers | 5.7 mi | $3,500 or more | $646,000 | 11.0% |
| Town of Putnam Valley | 6.1 mi | $2,000 | $510,900 | 10.3% |
Places in New York most like the Town of Carmel
| Place | Median gross rent | Median home value | Median household income | Households that rent |
|---|---|---|---|---|
| Town of Warwick | $1,496 | $458,800 | $119,328 | 20.8% |
| Town of Philipstown | $1,930 | $615,000 | $140,557 | 20.2% |
| Town of Pawling | $1,522 | $449,100 | $120,592 | 21.6% |
| Town of Tuxedo | $1,623 | $687,900 | $129,598 | 24.8% |
| Town of Yorktown | $1,908 | $606,800 | $167,091 | 14.4% |
| Crown Heights | $1,458 | $348,400 | $109,848 | 14.2% |
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 the Town of 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 the Town of 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.
A New York town includes the villages and hamlets inside it, so the figures for the Town of Carmel include them.
The figures for the Town of Carmel include the places inside it that have pages of their own: Carmel (community), Mahopac.
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 Town of Carmel
What is the average rent in the Town of Carmel, NY?
The Census Bureau publishes the median rather than the average: the median gross rent in the Town of Carmel is $1,683 (±$148) 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 the Town of Carmel?
The median gross rent for a one-bedroom home in the Town of Carmel, NY is $1,213 (±$354) a month (2020–2024 American Community Survey).
Are renters in the Town of Carmel rent-burdened?
68.1% of renting households in the Town of 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 the Town of Carmel?
The Town of Carmel has an estimated 1,758 (±430) renting households, 14.6% of its occupied homes (2020–2024 American Community Survey).
What is the median household income in the Town of Carmel?
The median household income in the Town of Carmel is $131,835 (±$10,264) a year (2020–2024 American Community Survey).
What is the average home value in the Town of Carmel, NY?
The Census Bureau publishes the median: $495,100 (±$16,690) for owner-occupied homes in the Town of Carmel (2020–2024 American Community Survey).
Is the Town of Carmel growing?
In the Town of Carmel, the number of residents went from 34,210 in 2015–2019 to 33,837 in 2020–2024 (−1.1%), a measurable decrease.
What ZIP codes are in the Town of Carmel?
The ZIP codes that cover the Town of Carmel are 10542, 10541, 10505, 10512.
Sources
- Demographic and Housing Estimates (DP05), 2020–2024 ACS 5-year estimates — Carmel town, Putnam County, New York
- Selected Housing Characteristics (DP04), 2020–2024 ACS 5-year estimates — Carmel town, Putnam County, New York
- Selected Economic Characteristics (DP03), 2020–2024 ACS 5-year estimates — Carmel town, Putnam County, New York
- Median Real Estate Taxes Paid by Mortgage Status (B25103), 2020–2024 ACS 5-year estimates — Carmel town, Putnam County, New York
- Selected Social Characteristics (DP02), 2020–2024 ACS 5-year estimates — Carmel town, Putnam County, New York
- Total Population (B01003), 2015–2019 ACS 5-year estimates — Carmel town, Putnam County, New York
- Median Gross Rent (B25064), 2015–2019 ACS 5-year estimates — Carmel town, Putnam County, 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
- FBI Uniform Crime Reporting Program, Crime Data Explorer: Carmel Town Police Department (ORI NY0395000)
- FBI: Uniform Crime Reporting statistics and their proper use
- 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 Carmel town, Putnam County, New York (county subdivision:12529, in state:36 county:079).
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 .