Residential delivery area · New York
ZIP Code 10512: Carmel, NY
ZIP code 10512 uses the postal name Carmel, New York and lies entirely in Putnam County (Census 2020 ZIP-county file). About 24,000 people live there (Census Bureau, ACS 2020-2024). Median household income is $117,701 (Census Bureau, ACS 2020-2024). By Census place, its land lies in Carmel (18%) and Lake Carmel (10%); 72% is outside any Census place.
- ACS2020-24
- Census2020
- FHFA2025
- ZBP2023
- IRS2022
- Town
- Carmel · its only residential ZIP
- County
- Putnam County
- Census places
- Carmel (18%) census-designated place; Lake Carmel (10%) census-designated place
- Metro area
- New York-Newark-Jersey City, NY-NJ
- House district
- NY-17 119th Congress
- State
- New York
- Time zone
- Eastern
- Land area
- 52.2 sq mi · 464 people per sq mi
Where is ZIP code 10512?
10512 centers on 41.448°, -73.710° and covers 52.2 square miles of land plus 5.6 of water. It borders 9 ZIP codes: 10541, 10509, 12582, 12531, 12563, 10519, 10579, 10589, 12533.
The map draws ZIP code areas only. For the streets inside 10512, open its center on OpenStreetMap.
Source: U.S. Census Bureau, 2020 ZCTA cartographic boundaries and the 2023 Gazetteer (2020 ZCTAs); ZIP-to-county shares, Census places and House districts (119th Congress) from the Census 2020 relationship files (shares of land); metro area from the OMB delineation (July 2023); town name and time zone from simplemaps US ZIP Codes (CC BY 4.0).
How does 10512 compare with the rest of Putnam County?
| Measure | 10512 | In Putnam County | In NY |
|---|---|---|---|
| People (ACS 2020-2024) | 24,234 | 3rd of 13 | 273rd of 1,826 |
| Median household income | $118k | 8th of 10 | 252nd of 1,081 |
| Median home value | $411k | 11th of 12 | 443rd of 1,172 |
Its median household income is higher than in 90% of U.S. residential ZIP codes, and it is denser than 71% of all U.S. residential ZIP codes. ZIP codes at the ACS caps ($250,000 or more for household income, $2,000,000 or more for home value) share the top rank.
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B19013, B25077); ranks by PlainZIP over residential ZIP codes (ZCTAs).
How many people live in 10512?
The 2020 Census counted 24,664 people in 10512; the ACS, which samples households over 2020-2024, estimates 24,234. Between the 2010 and 2020 censuses its population fell 3.6% (its boundary stayed at least 90% the same).
- People, ACS 2020-2024
- 24,234
- 2020 Census count
- 24,664−3.6% since 2010 (25,590)
- Households
- 9,232
- Median age
- 44.7
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01003, B01002, B11001); 2020 Census (DHC P1); 2010 Census (SF1 P1).
Who lives in 10512?
Of the 24,234 people the ACS estimates in 10512, 18.1% are under 18 and 20.5% are 65 or older. The largest group by race and Hispanic origin is White (not Hispanic) (70.0%), then Hispanic or Latino (20.5%).
- Under 1818.1%
- 18 to 6461.4%
- 65 and older20.5%
- White, not Hispanic70.0%
- Hispanic or Latino20.5%
- Other or two or more4.3%
- Black, not Hispanic2.8%
- Asian, not Hispanic2.3%
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B01001 age by sex, B03002 Hispanic or Latino origin by race); shares of the estimated population, small ZIP codes carry wide margins.
What do households in 10512 earn?
Median household income is $117,701 (ACS 2020-2024), the 8th highest of the 10 ranked ZIP codes in Putnam County. It is not measurably different from 2015-2019 ($120,357 in 2024 dollars): the change is within the surveys' margins of error.
- Median household income
- $117,701±$11,958
- Income per person
- $54,284
- Below the poverty line
- 6.8%
- Unemployed (of the labor force)
- 3.7%
- Adults 25+ with a bachelor's degree
- 43.4%
- Adjusted gross income per tax return, 2022
- $103,53913,250 returns; wages 69% of AGI (IRS)
Source: U.S. Census Bureau, ACS 2020-2024 and 2015-2019 5-year estimates (B19013, B19301, B17001, B23025, B15003; 2015-2019 dollars converted with the BLS CPI-U, 1.22699); IRS Statistics of Income, ZIP code data, tax year 2022 (adjusted gross income per return, filed under the address on the return).
What are homes worth in 10512?
FHFA's house price index for 10512, built from repeat sales and appraisals of the same homes, rose 74% from 2015 to 2025 and rose 51% from 2020 to 2025, and moved +5.7% in 2025.
- Median home value (owners' estimate)
- $410,500
- Median gross rent
- $1,492
- Homes owned by their occupants
- 82.7%
- Housing units
- 9,806
Source: U.S. Census Bureau, ACS 2020-2024 5-year estimates (B25077, B25064, B25003, B25001); FHFA House Price Index, annual five-digit ZIP, updated 2026-03-31.
What businesses are in 10512?
632 business establishments had a location in this ZIP code in 2023, 13 more than in 2018; the most are in construction (ZIP Code Business Patterns).
- Construction127
- Health care and social assistance85
- Other services (except public administration)70
- Professional, scientific, and technical services65
- Retail trade56
- Administrative and support and waste management and remediation services55
Source: U.S. Census Bureau, ZIP Code Business Patterns 2023 and 2018 (establishments with paid employees, by the business's ZIP code).
Which ZIP codes are next to 10512?
| ZIP | Town | People | Household income | Distance |
|---|---|---|---|---|
| 10541 | Mahopac | 26,361 | $139k | 5.0 mi |
| 10509 | Brewster | 20,046 | $117k | 6.5 mi |
| 12582 | Stormville | 5,786 | $133k | 6.7 mi |
| 12531 | Holmes | 2,337 | $129k | 6.7 mi |
| 12563 | Patterson | 7,304 | $98k | 7.3 mi |
| 10519 | Croton Falls | 99 | – | 7.4 mi |
| 10579 | Putnam Valley | 9,019 | $133k | 7.6 mi |
| 10589 | Somers | 7,604 | $129k | 8.0 mi |
| 12533 | Hopewell Junction | 27,325 | $142k | 8.7 mi |
| 10542 | Mahopac Falls | 0 | – | 6.0 mi (near) |
| 10505 | Baldwin Place | 1,119 | $153k | 7.6 mi (near) |
Source: PlainZIP from the Census 2020 ZCTA boundaries (shared edges) and internal points; figures ACS 2020-2024.