| ZIP Code | 10512 |
|---|---|
| City | Carmel |
| State | New York (NY) |
| County | Putnam County |
| Area Code | 329/845 |
| Elevation | 721 ft |
| Latitude | 41.447747 |
|---|---|
| Longitude | -73.709884 |
| Timezone | New York (DST) |
| FIPS | 36079 |
| ZIP Type | Standard |
| Status | Active |
Race & Ethnicity
Age Breakdown
Key Indicators
| Median Age | 44.2 yrs ↓ 5% since 2019 |
|---|---|
| Avg Household Size | 2.61 |
| Below Poverty | 6.3% ▼ 37% below avg |
| College Grads | 52.6% ▲ 36% above avg |
| Unemployment | 3.8% ▼ 23% below avg |
| No HS Diploma | 150 (0.9%) |
| HS Graduate | 4,469 (26.4%) |
| Some College | 1,579 (9.3%) |
| Associates | 1,822 (10.8%) |
| Bachelors | 1,577 (9.3%) |
| Graduate Degree | 7,337 (43.3%) |
Education
Housing Tenure
Home Value Distribution
Financials
| Median HH Income | $124,519 ▲ 63% above avg ↑ 27% since 2019 |
|---|---|
| Median Home Value | $401,800 ▲ 44% above avg ↑ 26% since 2019 |
| Home/Income Ratio | 3.2x (nat avg ~3.5x) |
| Median Rent | $1,607/mo ↑ 16% since 2019 |
| Total Units | 9,874 |
| Vacant Units | 704 |
| Avg HH Size | 2.61 |
Income Distribution
How People Get to Work
Commute Time
Year Built
Summary
| Total Units | 9,874 |
|---|---|
| Vacant | 704 |
| Owner Occupied | 83.1% |
| Renter Occupied | 17.0% |
| Avg HH Size | 2.61 |
ZIP code 10512 is located in Carmel, New York, within Putnam County. With a population of 24,238, this is a moderately populated ZIP code with a middle-aged community — the median age is 44.2 years. Economically, 10512 is a upper-middle-income ZIP code: the median household income of $124,519 is significantly above the national average.
Real estate in ZIP code 10512 represents a premium housing market. The median home value of $401,800 is above the national average. Renters can expect to pay around $1,607 per month in median rent. Homeownership is strong here — 83.1% of occupied units are owner-occupied, suggesting an established, stable residential community. Median home values have increased by 26% since 2019.
The population of 10512 is primarily White (72.94%). Residents are well-educated — 52.6% hold a bachelor's degree or higher, which is above the national average. Poverty affects a relatively small share of residents at 6.3%. Household income has grown by 27% since 2019.
The unemployment rate in 10512 stands at 3.8%, which is below the national average. About 11% of workers are remote. As in most parts of the country, driving alone is the dominant commute mode at 74%.
Overall, ZIP code 10512 in Carmel, NY is characterized as upper-middle-income, well-educated, a middle-aged community, and predominantly owner-occupied. With 24,238 residents, a median household income of $124,519, and a median home value of $401,800, it offers a clear picture of life in this part of New York.