Zip code 10512: Carmel, New York

Q: What city is zip code 10512?

10512 is assigned to Carmel, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

Q: What county is 10512 in?

10512 is in Putnam County, New York.

Q: What is the population of 10512?

About 24,234 people live in 10512, according to the Census Bureau's American Community Survey.

Q: What is the median household income in 10512?

The median household income in 10512 is $117,701.

Q: What zip codes are near 10512?

The closest zip codes to 10512 are 10541, 10542, 10509, 12531, 12582.

Residential delivery areaPutnam CountyEastern Time

Population

24,234

Median household income

$118K

U.S. $81K

Median home value

$411K

U.S. $333K

Median rent

$1,492/mo

U.S. $1,413

Median age

44.7

U.S. 38.9

Land area

52 sq mi

464 people/sq mi

Boundary is the Census Bureau's ZIP Code Tabulation Area, which closely tracks the postal delivery area.

About 10512

10512 is a small-town zip code in Carmel, New York (Putnam County), covering 52 sq mi of land. About 24,234 people live here, or 464 per square mile. The median resident is 44.7 years old, compared with 38.9 nationally.

The median household earns $117,701 a year, 46% above the national median of $80,734. 6.8% of residents live below the poverty line (U.S.: 12.5%). A typical home is valued at $410,500, or 3.5 years of median household income (U.S.: 4.1 years), which makes homes about as affordable as the national average for local earners. 83% of occupied homes are lived in by their owners, and renters pay a median of $1,492 a month.

43% of adults hold a bachelor's degree or higher (U.S.: 36%). Commuters average 38.5 minutes each way, and 12% of workers work from home. The most common jobs among working residents are in management; healthcare; and construction and repair. 22% of households speak a language other than English at home, most often Spanish.

How 10512 compares

Sorted from highest to lowest national percentile

Average commute38.5 min
96th
WeaknessU.S. 26.4 min · NY 32.6 min232nd of 1,618 in NY
Rent-burdened renters66.5%
95th
WeaknessU.S. 51.1% · NY 52.1%227th of 1,579 in NY
Median earnings per worker$69,761
87th
StrengthU.S. $49,666 · NY $55,321292nd of 1,676 in NY
Median age44.7
85th
U.S. 38.9 · NY 39.8714th of 1,693 in NY
Median household income$117,701
84th
StrengthU.S. $80,734 · NY $85,974338th of 1,602 in NY
Homeownership rate82.7%
84th
StrengthU.S. 65.2% · NY 54.3%702nd of 1,673 in NY
Government workers19.6%
83rd
U.S. 14.5% · NY 16.4%714th of 1,685 in NY
Per capita income$54,284
78th
U.S. $44,673 · NY $50,712436th of 1,690 in NY
Healthcare workers11.6%
78th
U.S. 9.7% · NY 11.8%606th of 1,685 in NY
Residents 65 and older20.5%
76th
U.S. 17.2% · NY 17.9%793rd of 1,693 in NY
Bachelor's degree or higher43.4%
71st
U.S. 35.7% · NY 40.2%500th of 1,691 in NY
Self-employed workers10.7%
66th
U.S. 10% · NY 9.7%720th of 1,685 in NY
Median home value$410,500
64th
U.S. $332,700 · NY $423,800509th of 1,614 in NY
Foreign-born residents13.5%
61st
U.S. 14.1% · NY 22.8%431st of 1,693 in NY
Median gross rent$1,492
56th
U.S. $1,413 · NY $1,621492nd of 1,367 in NY
Work from home12.4%
48th
U.S. 15.1% · NY 14.9%760th of 1,685 in NY
Diversity index46.5
46th
U.S. 61.4 · NY 65.5469th of 1,693 in NY
Broadband access91.6%
45th
U.S. 91% · NY 90.8%814th of 1,673 in NY
Veterans5.5%
45th
U.S. 6.2% · NY 3.7%839th of 1,693 in NY
Income inequality (Gini)0.428
44th
U.S. 0.483 · NY 0.517773rd of 1,669 in NY
Housing vacancy5.9%
43rd
U.S. 10.1% · NY 10%1,183rd of 1,675 in NY
Population24,234
38th
U.S. 334,922,499 · NY 19,852,366273rd of 1,693 in NY
Population density464/sq mi
32nd
U.S. 95/sq mi · NY 421/sq mi673rd of 1,693 in NY
Unemployment rate3.7%
28th
U.S. 5.2% · NY 6.4%1,023rd of 1,685 in NY
Tech workers1.7%
27th
U.S. 3.8% · NY 3.5%916th of 1,685 in NY
Poverty rate6.8%
24th
U.S. 12.5% · NY 14%1,142nd of 1,679 in NY
Residents under 1818.1%
19th
U.S. 22% · NY 20.5%1,058th of 1,693 in NY
Uninsured rate2.2%
6th
StrengthU.S. 8.4% · NY 5.1%1,191st of 1,689 in NY

Measure	10512	Putnam	NY	U.S.	National percentile	Rank in NY
Average commuteWeakness	38.5 min	39.3 min	32.6 min	26.4 min	96th	232nd of 1,618
Rent-burdened rentersWeakness	66.5%	62.3%	52.1%	51.1%	95th	227th of 1,579
Median earnings per workerStrength	$69,761	$66,680	$55,321	$49,666	87th	292nd of 1,676
Median age	44.7	44	39.8	38.9	85th	714th of 1,693
Median household incomeStrength	$117,701	$126,257	$85,974	$80,734	84th	338th of 1,602
Homeownership rateStrength	82.7%	83.8%	54.3%	65.2%	84th	702nd of 1,673
Government workers	19.6%	20.9%	16.4%	14.5%	83rd	714th of 1,685
Per capita income	$54,284	$56,593	$50,712	$44,673	78th	436th of 1,690
Healthcare workers	11.6%	8.9%	11.8%	9.7%	78th	606th of 1,685
Residents 65 and older	20.5%	19.3%	17.9%	17.2%	76th	793rd of 1,693
Bachelor's degree or higher	43.4%	45.5%	40.2%	35.7%	71st	500th of 1,691
Self-employed workers	10.7%	12.5%	9.7%	10%	66th	720th of 1,685
Median home value	$410,500	$471,300	$423,800	$332,700	64th	509th of 1,614
Foreign-born residents	13.5%	13.9%	22.8%	14.1%	61st	431st of 1,693
Median gross rent	$1,492	$1,775	$1,621	$1,413	56th	492nd of 1,367
Work from home	12.4%	14.4%	14.9%	15.1%	48th	760th of 1,685
Diversity index	46.5	45.5	65.5	61.4	46th	469th of 1,693
Broadband access	91.6%	94.8%	90.8%	91%	45th	814th of 1,673
Veterans	5.5%	4.3%	3.7%	6.2%	45th	839th of 1,693
Income inequality (Gini)	0.428	0.425	0.517	0.483	44th	773rd of 1,669
Housing vacancy	5.9%	7.6%	10%	10.1%	43rd	1,183rd of 1,675
Population	24,234	98,107	19,852,366	334,922,499	38th	273rd of 1,693
Population density	464/sq mi	426/sq mi	421/sq mi	95/sq mi	32nd	673rd of 1,693
Unemployment rate	3.7%	4.4%	6.4%	5.2%	28th	1,023rd of 1,685
Tech workers	1.7%	2.3%	3.5%	3.8%	27th	916th of 1,685
Poverty rate	6.8%	7.1%	14%	12.5%	24th	1,142nd of 1,679
Residents under 18	18.1%	19.4%	20.5%	22%	19th	1,058th of 1,693
Uninsured rateStrength	2.2%	3.6%	5.1%	8.4%	6th	1,191st of 1,689

The percentile is the share of Americans who live in a zip code with a lower value, so the 50th percentile is typical. Rank 1 is the highest value in the state. Both include zip codes with at least 100 residents. Strengths and weaknesses mark measures in the best or worst fifth nationally, where higher or lower is clearly better (income, poverty, education, commute, broadband, insurance and similar). Measures like age or density are left unmarked.

People

Age

Under 5

13%

5–17

18–24

11%

25–34

13%

35–44

14%

45–54

15%

55–64

12%

65–74

75+

Median age

44.7

Under 18

18.1%

65 and over

20.5%

Race and ethnicity

White70%
Black3%
Hispanic21%
Asian2%
Native American0.3%
Pacific Islander0.1%
Other0.3%
Multiracial4%

Diversity index

46.5

U.S. 61.4

Foreign-born

13.5%

U.S. 14.1%

Born in state

72.4%

Language spoken at home (households)

English only

78%

Spanish

13%

Other Indo-European

Asian / Pacific

Other

0.3%

Households

Households: 9,232
Average household size: 2.6
Family households: 69.3%
Married couples: 56.1%
Living alone: 26.2%
Veterans (of adults): 5.5%
Male / female: 49% / 51%

Income and poverty

Household income distribution

<$25k

12%

$25–50k

12%

$50–75k

10%

$75–100k

$100–150k

20%

$150–200k

16%

$200k+

21%

Median household income

10512

$117,701

Putnam Co.

$126,257

New York

$85,974

United States

$80,734

Per capita income

$54,284

U.S. $44,673

Poverty rate

6.8%

U.S. 12.5%

Households earning $150K+

37.9%

U.S. 23%

Income inequality (Gini)

0.428

U.S. 0.483

Housing

Median home value

10512

$410,500

Putnam Co.

$471,300

New York

$423,800

United States

$332,700

Median gross rent

10512

$1,492

Putnam Co.

$1,775

New York

$1,621

United States

$1,413

Types of housing

Single-family

81%

2–4 units

5–19 units

20+ units

Mobile home

Boat, RV, van

0.3%

Housing units: 9,806
Owner-occupied: 82.7%
Vacant: 5.9%
Median year built: 1972
Median rooms: 5.9
Renters paying 30%+ of income: 66.5%
Renters paying 50%+ of income: 36.8%
Home value to income: 3.5× (U.S. 4.1×)

Work and commute

How people get to work

Drove alone

72%

Carpooled

Transit

Walked

Bicycle

0.1%

Worked from home

12%

Other

Commute time (one way)

<10 min

10–19

18%

20–29

14%

30–44

21%

45–59

19%

60+

21%

Average commute

38.5 min

U.S. 26.4 min

Unemployment

3.7%

U.S. 5.2%

In labor force

61.3%

U.S. 63.5%

Jobs and careers

What employed residents do, wherever they work

Occupations

Management

14%

Healthcare

12%

Construction and repair

11%

Education

10%

Office and admin

10%

Business and finance

Cleaning and personal care

Sales

Transportation and moving

Police and fire

Legal and social services

Arts, media and sports

Food service

Engineering and science

Production

Computer and math

Farming, fishing and forestry

Industries

Health care and social assistance

17%

Education

15%

Retail

Construction

Professional and technical services

Public administration

Finance, insurance and real estate

Admin, support and management

Transportation, warehousing and utilities

Manufacturing

Restaurants and hotels

Information

Arts and recreation

Other services

Wholesale

Agriculture and mining

0.2%

Median earnings per worker

$69,761

U.S. $49,666

Self-employed

10.7%

U.S. 10%

Government workers

19.6%

U.S. 14.5%

Nonprofit workers

11.6%

U.S. 8.8%

Median earnings by type of work

Type of work	10512	U.S.
Management, business, science and arts	$92,717	$74,888
Service	$38,347	$26,804
Sales and office	$36,725	$40,476
Construction and maintenance	$70,882	$49,199
Production and transportation	$40,682	$39,989

Education, internet and health coverage

Highest education (adults 25+)

No diploma

High school

26%

Some college

15%

Associate's

10%

Bachelor's

24%

Graduate

19%

High school graduate or higher: 94%
Bachelor's degree or higher: 43.4%
Graduate or professional degree: 19.3%
Households with broadband: 91.6%
Cable, fiber or DSL: 79.8%
No internet access: 7.3%
Without health insurance: 2.2%
Limited-English households: 2.2%

Geography

City (USPS): Carmel
State: New York
County: Putnam County
Center point: 41.4477° N, 73.7099° W
Land area: 52 sq mi
Water area: 5.6 sq mi
Time zone: Eastern Time (UTC-5, UTC-4 in summer)
Zip type: Residential delivery area

Cities and towns within this zip

Carmel (unincorporated)18% of zip
Lake Carmel (unincorporated)10% of zip

Census places overlapping the zip's area. Mail may use a different city name than the municipality.

Zip codes near 10512

Search by radius

Zip	City	Distance	Population	IncomeMedian income	Home value
10541	Mahopac, NY	5 mi	26,361	$138,617	$508,500
10542	Mahopac Falls, NY	6 mi	0	—	—
10509	Brewster, NY	6.5 mi	20,046	$116,831	$458,300
12531	Holmes, NY	6.7 mi	2,337	$129,028	$475,400
12582	Stormville, NY	6.7 mi	5,786	$133,328	$468,600
12563	Patterson, NY	7.3 mi	7,304	$98,415	$412,300
10519	Croton Falls, NY	7.4 mi	99	—	—
10579	Putnam Valley, NY	7.6 mi	9,019	$132,500	$548,400
10505	Baldwin Place, NY	7.6 mi	1,119	$153,426	$896,200
10589	Somers, NY	8 mi	7,604	$129,214	$574,400
10587	Shenorock, NY · PO box	8.4 mi	—	—	—
10540	Lincolndale, NY	8.5 mi	108	—	—

Zip codes like 10512 elsewhere

Matched on income, home values, age, density, education, housing and commuting

Questions about 10512

What city is zip code 10512?

10512 is assigned to Carmel, New York. The city name is the one the Postal Service prefers for mail addressed to this zip code.

What county is 10512 in?

10512 is in Putnam County, New York.

What is the population of 10512?

About 24,234 people live in 10512, according to the Census Bureau's American Community Survey.

What time zone is 10512 in?

10512 is in Eastern Time.

What is the median household income in 10512?

The median household income in 10512 is $117,701.

What zip codes are near 10512?

The closest zip codes to 10512 are 10541, 10542, 10509, 12531, 12582.

Demographic figures are 2020–2024 American Community Survey 5-year estimates for ZIP Code Tabulation Area 10512, from the U.S. Census Bureau. Small areas have wide margins of error. How we build these numbers.